Achieve Financial Confidence
Most financial advisors focus primarily on your investments. To them, the goal is simply to increase the balance in your financial accounts.
But your financial life is not just numbers. Instead, it’s about reducing your financial stress and helping you move toward financial freedom.
That’s why at 3 Financial, we provide a unique, holistic style of financial planning and investment management. This approach is more engaging and less technical than most. Everything we do is focused on helping you set goals and then work toward achieving your life dreams.
Here are other ways we’re different, too:
- For over 13 years, we’ve been helping women and members of the LGBTQ community in Hawaii create better financial lives. This helps us better address your challenges and concerns.
- We’re a fee-only firm, meaning there are no commissions…and no sales. So you can be confident you’re getting good advice and not a sales pitch.
- We act as your legal fiduciary, meaning we always put your interests before our own.
- You’ll always deal directly with a CERTIFIED FINANCIAL PLANNER™ professional, to help ensure you’re dealing with an experienced planner, not a junior person or sales representative.
- Our simple, transparent fee includes coaching and unlimited support, so we’ll be there to help ensure you stay accountable to your own goals.
And, we help you protect what you’ve built, which is as important as building it in the first place.
Are We Right For You?
At 3 Financial, we’ll help you get on the road to financial independence….and stay there.
Here’s how to tell if we’re the right fit for you:
- I want to really understand my finances and not just be told what I “should” do.
A great financial plan that sits on the shelf doesn’t do you much good. That’s why we work collaboratively with you to develop a realistic plan you’ve participated in building, and you believe in. Our goal is to help you understand your money and investments so that you have the best chance of achieving all of your goals.
- I don’t want to feel like I’m being sold something.
We don’t like that either! Conflicts of interest are a real problem in the financial world, so you are smart to be aware of that. At 3 Financial, we’re fee-only, meaning that there are no sales commissions. You simply pay us for advice, just as you pay your accountant or lawyer.
- I want more than just simply help with investing.
We lead with financial planning since that can make the difference between worrying about your finances and achieving goals you didn’t think were possible. Investing is important too, so we provide a complete service, but we go farther, helping you with real estate questions, retirement accounts, and much more.
- I want a financial advisor who helps me stay on track.
Whether it’s making smart spending decisions or saving more each month, we all could use some help staying on track. That’s why a big part of our service is helping you create a plan you can stick to …then helping you stick to it! We consider it part of our job to keep you accountable to your own goals and dreams.
- I don’t want to risk my entire future on someone’s investment picks.
Neither do we! That’s why we employ only time-tested, evidence-based investing principles and ensure you are widely diversified. We also believe that it’s best to only focus on what we can control, so we don’t (falsely) assume we have a crystal ball and can predict the future. Instead, we utilize low cost, efficient investments that keep more of your money working for you, so you can make consistent progress toward your goals.