Business Details
Your Trusted Partner for Financial Planning Solutions
At Honu Wealth, we specialize in guiding individuals through critical financial decisions to achieve long-term security and independence. Our approach begins by understanding your unique priorities, followed by a comprehensive analysis of your financial health to create personalized strategies. We offer fiduciary financial planning, investment advisory services, and wealth management tailored to three key client groups: wealth accumulators, those transitioning to retirement, and individuals focused on legacy building. Our team of Certified Financial Planners and tax experts combines decades of experience with a commitment to transparency, ensuring your financial decisions align with your life goals. We emphasize proactive planning for both anticipated and unexpected financial events, including retirement, education, job loss, and estate transitions.Our fixed-fee wealth management model eliminates conflicts of interest while providing cost-effective, comprehensive solutions for high-net-worth clients. Through ongoing monitoring and adjustments, we help clients navigate complex tax landscapes, insurance needs, and intergenerational wealth transfer strategies. Our practice is built on the principle that informed financial decisions lead to greater peace of mind and security. We serve clients in Cupertino, California, and surrounding areas, maintaining strict adherence to ethical standards and professional certifications. By focusing on your priorities rather than product sales, we ensure every recommendation serves your best interests.
Services
Financial Planning
Investment Advisory
Wealth Management
Retirement Planning
Estate Planning
Tax Planning
Protection Planning
Legacy Building
Highlights and features
- We operate as fiduciaries with no product sales incentives
- Our fixed-fee wealth management model eliminates asset-based conflicts
- Team includes CFP, CPA, and EA credentialed professionals
- Specialized expertise in retirement transitions and legacy planning
- Comprehensive approach covering all six financial planning areas
Associations and certifications
- Certified Financial Planner (CFP)
- Enrolled Agent (EA)
- Certified Public Accountant (CPA)
Services
Financial Planning
We create personalized financial roadmaps covering cash flow, investments, insurance, taxes, retirement, and estate planning. Our process starts with understanding your priorities, then analyzing your current situation to develop strategies for both expected and unexpected life events. This comprehensive approach ensures you're prepared for career transitions, healthcare needs, and generational wealth transfer while minimizing tax liabilities.
Wealth Management
Our fixed-fee wealth management combines financial planning with investment advisory services. This model provides cost-effective solutions for high-net-worth clients by eliminating asset-based fees. We offer unbiased portfolio management, tax-efficient strategies, and ongoing plan adjustments while maintaining strict fiduciary standards. The service includes quarterly reviews and lifetime financial event monitoring to ensure your wealth continues aligning with your evolving goals.
Retirement Planning
We specialize in pre-retirement transitions and sustainable income strategies. Our planning addresses Social Security optimization, healthcare costs, pension elections, and distribution strategies. For professionals changing careers near retirement, we analyze pay cut impacts, employer benefit retention, and tax-efficient withdrawal sequences. The service includes stress-testing retirement scenarios against market volatility and longevity risks to ensure financial security throughout retirement.
Estate Planning
Our estate planning focuses on tax-efficient wealth transfer while maintaining your financial independence. We coordinate wills, trusts (including CRUTs, GRATs, and ILITs), and charitable giving strategies. The service addresses both immediate and multi-generational needs, incorporating long-term care planning and probate avoidance techniques. We work with your legal advisors to implement solutions that minimize estate taxes while fulfilling your philanthropic and family objectives.
Tax Planning
We provide integrated tax optimization strategies across all financial planning areas. Our approach includes income tax minimization, capital gains management, and tax-advantaged investment selection. For high-income earners, we focus on retirement account conversions, charitable deductions, and business tax strategies. The service addresses complex tax scenarios involving stock options, international assets, and multi-jurisdictional filings while ensuring compliance with evolving tax regulations.
People
Garth A. Williams
Certified Financial Planner
Garth Williams combines CFP certification with personalized financial guidance, helping clients navigate career transitions and retirement planning. He completed rigorous education and experience requirements to earn his designation.
Tom P. Chun
Certified Financial Planner
Tom Chun offers dual expertise as both a CFP and Enrolled Agent, providing integrated financial and tax planning solutions for wealth preservation and retirement strategies.
Stephen J. Sustrick
Inactive CPA
Stephen Sustrick contributes accounting insights to complex financial planning scenarios, though his CPA license is currently inactive while maintaining financial advisory expertise.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement, investments, taxes, estate planning, protection, and cash flow management tailored to your specific needs.
How is your wealth management priced?
Our wealth management service uses a fixed quarterly fee structure instead of asset-based percentages, offering transparent costs and reduced conflicts of interest.
Do you work with out-of-state clients?
While based in California, we serve clients across the U.S. through virtual meetings and digital document management systems for convenient remote advisory services.
What retirement planning tools do you use?
We employ Monte Carlo simulations, Social Security optimization software, and tax projection models to create resilient retirement income strategies tailored to your circumstances.
How do you handle investment management?
Our investment approach focuses on diversified portfolios aligned with your risk tolerance, using tax-efficient strategies and regular rebalancing to maintain target allocations.
What estate planning documents should I prepare?
We recommend starting with wills, revocable trusts, durable powers of attorney, and healthcare directives, then adding advanced strategies based on your wealth transfer goals.
