SEA Financial Hawaii

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SEA Financial Hawaii Fee-Only Financial Planning | Business Owners & Families 24 years of serving kamaaina as a trusted advisor and fiduciary. Protection Planning, 2. Estate Planning.

We believe the most important part of financial planning is 'life planning'. We provide comprehensive financial planning services designed to address all your most pressing questions. Our proven 'SEA Principles' of planning include: 1. Investment Management, 3. Retirement Planning, 4. Tax Planning, and 5. For us, being a fiduciary is not just a legal requirement, it's our ethical responsibility. It comes down to always doing the right thing for our clients. Let's schedule a brief, no-cost/no-obligation consultation. Together, we'll find out if we're a good fit for . We look forward to learning more about you and your unique situation.

11/02/2026

You've worked hard to build your retirement savings. But have you considered what could disrupt your plans?

In this 45-second clip from SEA Retirement Voyage Part 3 – Protecting What You've Built, Garrett Wheeler of SEA Financial Hawaii highlights several risks that deserve attention, including stock market volatility, major healthcare expenses, long-term care, the loss of a spouse, outdated estate plans, and unexpected tax bills.

Retirement planning is about more than saving and investing. It's also about thinking ahead, protecting your financial security, and considering what happens to the assets and resources you've worked so hard to build.

What could derail your retirement plan?

▶️ Watch the full SEA Retirement Voyage Part 3 episode on YouTube to hear Garrett discuss healthcare costs, long-term care, family considerations, estate planning, asset protection, and legacy planning.

🔗 Watch the full video: https://www.youtube.com/watch?v=XszqgUGEL3A

10/24/2026

Saving for retirement is one challenge. Making your money last throughout retirement is another.

Once you retire, your portfolio has a new responsibility: helping fund your lifestyle while preserving a reliable income stream for the rest of your life.

That means looking beyond how much you’ve saved. You need to understand how your investments work together with Social Security, pensions, taxable accounts, tax-free accounts, and your withdrawal strategy.

The goal isn’t just to build a bigger portfolio. It’s to create a retirement plan that gives every dollar a clear purpose.

🎯 Ready to rethink your retirement strategy?

▶️ Watch the full video to learn more: https://youtu.be/xin_rrGmK5I

💬 What do you think is more important in retirement: growing your portfolio or creating a reliable income stream?

10/23/2026

Building your retirement savings is one thing. Turning those savings into income that can last your entire lifetime? That’s a completely different financial problem.

From Social Security and pensions to your 401(k), TSP, Roth IRA, and other investments, understanding how all your assets work together is essential to creating a sustainable retirement income strategy.

The goal isn’t just to accumulate money. It’s to make sure your money can support the life you want to live in retirement. 🌴

▶️ Watch the full video to learn more:
https://youtu.be/xin_rrGmK5I

10/21/2026

Having $2 million saved for retirement sounds reassuring—but is it enough to secure your future?

Your retirement isn’t just about how much money you have. It’s about "where your money is invested, how you withdraw it, and how your income sources work together."

Social Security, retirement savings, and the timing of your benefits all play an important role in building a retirement income plan that works for you.

The real question isn’t just, “How much have I saved?” It’s "How will my money support the retirement I want?”

🎥 Watch the full video to learn more about building a smarter retirement income strategy:👉 https://youtu.be/xin_rrGmK5I

📌 Save this Reel and share it with someone preparing for retirement!

10/20/2026

Retirement isn’t about having the biggest portfolio—it’s about knowing how to make your money work for you throughout retirement. 💰🏖️

Your savings are more than just a number on a statement. They represent your future, your security, and the life you’ve worked so hard to build.

The real goal? Having a clear plan to turn your retirement savings into income for life. Knowing when, where, and how to draw from your investments can be just as important as how you invested in the first place.

Because a successful retirement isn’t just about how much you have—it’s about how you use it. 📈

🎥 Watch the full video to learn more:
👉 https://youtu.be/xin_rrGmK5I

10/20/2026

Would you rather pay taxes strategically today or risk facing higher taxes in retirement? 🤔

A Roth conversion may help reduce future taxable income and give you more flexibility in retirement—but it’s not automatically the right move for everyone.

Before converting, consider your current tax bracket, Social Security income, Medicare IRMAA surcharges, future Required Minimum Distributions (RMDs), and your long-term tax outlook.

📊 The key? Plan before you convert. Tax projections can help you understand whether a Roth conversion makes sense for your retirement strategy.

🎥 Watch the full video to learn more about making smarter retirement tax decisions:
👉 https://youtu.be/xin_rrGmK5I

Your retirement plan should be about more than growing your money. It's about making your money work for you.

👍 Like, share, and follow for more retirement planning and financial education tips!

10/19/2026

Building your retirement savings is one challenge. Turning those assets into sustainable income that lasts your entire lifetime is another.

Retirement isn’t just about how much money you’ve accumulated. It’s about knowing how to use your assets wisely, manage your resources, and create a strategy that supports your lifestyle throughout retirement.

The big question is: Will your retirement savings last as long as you do?

🎥 Watch the full video to learn more about retirement planning and creating sustainable retirement income: 👉 https://youtu.be/xin_rrGmK5I

📌 Save this Reel for your retirement planning journey, and share it with someone preparing for retirement!

10/19/2026

Retirement isn’t just about how much money you’ve saved—it’s about knowing how to turn those savings into income that can support you throughout retirement.

A solid retirement income plan helps you understand when, where, and how to draw from your savings. Because your retirement funds aren’t just numbers on a statement. They represent your future, your lifestyle, and the peace of mind you deserve.

🎥 Watch the full video to learn more about retirement income planning:
👉 https://youtu.be/xin_rrGmK5I

Plan with purpose. Retire with confidence.

10/11/2026

Where will your retirement income come from?

For many retirees, it may not be just one source. Social Security, pensions, 401(k)s, IRAs, TSPs, 403(b)s, taxable accounts, rental property, or even part-time work can all play a role.

The key is understanding how all those pieces work together.

Your retirement plan isn’t simply about asking, “When should I take Social Security?”

A better question is:

“How does Social Security fit into my overall retirement income plan?"

Think of your retirement income as a map—not a single destination. The right strategy can help you see how different income sources may work together to support your essential expenses, lifestyle, travel, and larger purchases.

👉 Watch the full video to learn more about building your Retirement Income Map.
https://www.youtube.com/watch?v=sWF5mwh362A

10/10/2026

Retirement doesn’t always go according to plan. Inflation, market volatility, rising healthcare costs, living longer than expected, a vacant rental property, long-term care needs, or an unexpected loss can all change the picture.

The goal isn’t to create a retirement plan that only works when everything goes perfectly. It’s to build a plan that can adapt when life doesn’t go perfectly.

A strong contingency plan may include maintaining cash reserves, diversifying investments, having a flexible spending strategy, adequate insurance, and knowing when to adjust your plans.

The question is: What would you do if something unexpected disrupted your retirement plan?

🎥 Watch the full video here:
https://www.youtube.com/watch?v=sWF5mwh362A

Address

1650 Ala Moana Boulevard
Honolulu, HI
96815

Opening Hours

Monday 9:30am - 5:30pm
Tuesday 9:15am - 7:15pm
Wednesday 9:15am - 7:15pm
Thursday 9:15am - 7:15pm
Friday 9:30am - 3:30pm
Saturday 10am - 2pm

Telephone

+18085321516

Website

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