Financial Planning & Consulting in Honolulu
A structured engagement that answers the questions that matter: when you can retire, how much you can safely spend, and whether your money will last.
At Sage Financial Investments LLC, we provide comprehensive financial planning and consulting services to help both prospective and current clients achieve clarity, confidence, and structure in their financial lives. Our engagement process is designed to deliver detailed analysis, actionable recommendations, and a structured framework for long-term financial decision-making.
What to Expect
When you enter into a financial planning engagement with Sage Financial Investments LLC, you can expect:
- A clear onboarding process with a checklist of documents and financial information required.
- Creation of a secure client portal that consolidates your entire financial picture.
- A structured series of 4 to 6 meetings covering all areas of financial planning.
- Detailed reports, scenario analyses, and actionable recommendations tailored to your goals.
- Access to your client portal throughout and beyond the engagement for ongoing visibility.
The Financial Planning Process
Step 1: Information Gathering & Client Website Setup
- We begin by providing a checklist of required documents and data (investment accounts, income, expenses, insurance policies, etc.).
- Using your information, we establish a secure client website that consolidates your financial picture.
- You can choose to link your investment accounts to the portal through a secure, read-only feed for real-time updates of balances, holdings, and allocations.
Step 2: Initial Meeting – Plan Foundation
During the first meeting, we:
- Confirm your financial data is complete and accurate.
- Discuss your goals and priorities (e.g., retirement, college funding, legacy planning, wealth accumulation).
- Review your initial retirement cash flow model, which forms the foundation of your plan and answers key questions such as:
- When can I retire?
- How much can I safely spend in retirement?
- Will my money last throughout my lifetime?
We will also identify opportunities to improve your plan and begin preliminary scenario modeling.
Step 3: Cash Flow & Scenario Planning
- We refine your retirement plan by incorporating future major expenses and life events.
- Examples include home renovations, weddings, vehicle purchases, inheritances, or part-time employment.
- You receive copies of each scenario so that you can compare strategies and outcomes.
Step 4: Investment Review & Allocation Strategy
- We analyze your overall portfolio and determine an asset allocation aligned with your risk tolerance and goals.
- Historical market data is reviewed to demonstrate potential performance in various market conditions.
- A comprehensive portfolio review includes:
- Account-by-account recommendations
- Tax-efficient rebalancing strategies
- Consolidation and optimization instructions
Step 5: Tax Planning & Withdrawal Strategies
We utilize reports such as Holdings Gain/Loss and The Ledger to:
- Identify tax-loss harvesting opportunities
- Plan for Roth conversions
- Design tax-efficient withdrawal strategies
- Optimize income streams to maintain Affordable Care Act (ACA) subsidies if retiring before Medicare eligibility
Step 6: Insurance & Risk Management
- Review of life, disability, and long-term care insurance coverage
- Stress-testing scenarios including premature death or extensive healthcare costs
- Gap analysis to identify coverage needs and ensure the surviving spouse can maintain planned lifestyle
Step 7: Estate & Legacy Planning
- Review account titling, beneficiary designations, and probate avoidance strategies
- Discuss estate tax exposure and potential trust strategies
- Recommend consulting with estate planning attorneys when applicable
Key Reports and Analyses
Throughout the engagement, we provide a suite of reports and tools, including:
- Retirement Cash Flow Model
- Monte Carlo Simulation (probability of plan success across 1,000 market scenarios)
- Maximum Sustainable Spending Analysis
- Social Security & Pension Break-Even Analyses
- Tax Strategy & Withdrawal Reports
- Insurance Gap Analysis
- Estate Planning Summary
These reports allow you to visualize potential future outcomes and make informed decisions with confidence.
Final Deliverables
At the conclusion of your financial planning engagement, you will receive:
- Comprehensive Cash Flow Report
- Scenario Analyses and Supporting Reports
- Written Investment Recommendations with Rebalancing Instructions
- Financial Plan Summary (3–4 pages) highlighting:
- Key planning insights
- Recommended strategies
- Actionable next steps
Your secure client website will remain active, allowing you to continue monitoring your plan and investment progress.
Start With a Conversation
In-person at our Honolulu office or by video. No cost, no obligation.