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Financial Planners in Kapolei, HI: 2026 rankings

47 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Kapolei: Estate Planning Consultants of Hawaii Inc., RFA Score 74/100; 5.0★ from 92 Google reviews.

  2. 2

    Most-reviewed: First Command Financial Advisor - Jerry Panetta, 42 Google reviews at 5.0★, the most of 47 ranked after Estate Planning Consultants of Hawaii Inc.; ranked #2.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

47 Kapolei financial planners are ranked here by RFA Score, from eight published factors. 10 open Saturdays and 4 open Sundays, based on posted hours. The median Google rating is 5.0★ across 47 rated firms.

Top 10 financial planners in Kapolei at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial planners in Kapolei at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Estate Planning Consultants of Hawaii Inc.745.0★ (92)Honolulu, 18 mi away—Top score
2First Command Financial Advisor - Jerry Panetta745.0★ (42)‘Ewa Beach, 8 mi away—Most reviews
3First Command Financial Advisor - Yvonne Rubillos, CMFA™725.0★ (27)‘Ewa Beach, 8 mi away——
4First Command724.8★ (31)Hālawa Heights, 8 mi away——
5American Savings Bank724.3★ (25)‘Ewa Beach, 2 mi awaySat · Sun—
6American Savings Bank723.9★ (32)KapoleiSat · Sun—
7First Command Financial Advisor - Adam Creel715.0★ (18)Wahiawā, 8 mi away——
8Fee-Only Planning Hawaii715.0★ (24)Honolulu, 13 mi away——
9Financial Planning Hawaii715.0★ (22)Honolulu, 13 mi away——
10Lifestyle Wealth Management705.0★ (36)Kailua, 21 mi away——

All 47 financial planners in Kapolei, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  4. #4 First Command

    Based in Hālawa Heights, 8 mi away

    72/100RFA Score

    Ranked #4 because of its Google rating and specialty focus: 4.8★ from 31 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 31 Google reviews
    Hours
    Mon–Fri 8 AM–5 PM · Sat–Sun closed
    Address
    98-211 Pali Momi St Ste 405, Aiea, HI 96701
    View profile for First Command(808) 487-7222

  5. #5 American Savings Bank

    Based in ‘Ewa Beach, 2 mi away

    72/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 4.3★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 25 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat–Sun 9 AM–1 PM
    Address
    91-1101 Keaunui Dr, Ewa Beach, HI 96706
    View profile for American Savings Bank(800) 272-2566

  6. #6 American Savings Bank

    Based in Kapolei

    72/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 3.9★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 3.9★ from 32 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat–Sun 9 AM–1 PM
    Address
    888 Wakea St, Kapolei, HI 96707
    View profile for American Savings Bank(800) 272-2566

  12. #12 American Savings Bank

    Based in Waipahu, 4 mi away

    70/100RFA Score

    Ranked #12 because of its Google rating and specialty focus: 3.6★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 3.6★ from 32 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat–Sun 9 AM–1 PM
    Address
    94-060 Farrington Hwy, Waipahu, HI 96797
    View profile for American Savings Bank(800) 272-2566

  15. #15 INPAC WEALTH

    Based in Honolulu, 13 mi away

    69/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 5.0★ from 14 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 14 Google reviews
    Hours
    Mon–Fri 8 AM–4 PM · Sat–Sun closed
    Address
    745 Fort Street Mall Ste 888, 8th Floor, Honolulu, HI 96813
    View profile for INPAC WEALTH(808) 784-4000

  17. #17 American Savings Bank

    Based in Waimalu, 8 mi away

    69/100RFA Score

    Ranked #17 because of its Google rating and specialty focus: 3.7★ from 25 Google reviews, listed on Google as “Financial planner”.

    • 3.7★ from 25 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    98-200 Kamehameha Hwy, Aiea, HI 96701
    View profile for American Savings Bank(800) 272-2566

  18. #18 American Savings Bank

    Based in Waianae, 11 mi away

    69/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 4.3★ from 16 Google reviews, listed on Google as “Financial planner”.

    • 4.3★ from 16 Google reviews
    Hours
    Mon–Thu 8 AM–4 PM · Fri 8 AM–5 PM · Sat–Sun closed
    Address
    86-120 Farrington Hwy, Waianae, HI 96792
    View profile for American Savings Bank(800) 272-2566

  21. #21 American Savings Bank

    Based in Kaneohe, 17 mi away

    68/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 4.6★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 17 Google reviews
    Hours
    Mon–Thu 8 AM–5 PM · Fri 8 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    45-1144 Kamehameha Hwy, Kaneohe, HI 96744
    View profile for American Savings Bank(800) 272-2566

  24. #24 American Savings Bank

    Based in Mililani Town, 9 mi away

    68/100RFA Score

    Ranked #24 because of its Google rating and specialty focus: 4.0★ from 9 Google reviews, listed on Google as “Financial planner”.

    • 4.0★ from 9 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–6 PM · Sat 9 AM–1 PM · Sun closed
    Address
    95-221 Kipapa Dr bldg f, Mililani, HI 96789
    View profile for American Savings Bank(800) 272-2566

  25. #25 American Savings Bank

    Based in Schofield Barracks, 11 mi away

    67/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 4.6★ from 8 Google reviews, listed on Google as “Financial planner”.

    • 4.6★ from 8 Google reviews
    Hours
    Mon–Thu 9 AM–4 PM · Fri 9 AM–5 PM · Sat 9 AM–1 PM · Sun closed
    Address
    649 California Ave, Wahiawa, HI 96786
    View profile for American Savings Bank(800) 272-2566

All 47 financial planners

#1 to #25 are shown in full above. Here are #26 to #47, in RFA Score order; each links to its profile.

financial planners in Kapolei, ranks 26 to 47
RankBusinessRFA ScoreGoogle ratingDistance
26Agape Wealth Management LLC675.0★ (7)13 mi
27First Command Financial Advisor - Elisabeth Tatola675.0★ (4)8 mi
28First Command Financial Advisor - Giovanni Chau, CMFA™675.0★ (4)8 mi
29Bankers Life674.0★ (4)7 mi
30Pacific Academy Agency665.0★ (5)11 mi
31Hui Malama Advisors LLC665.0★ (6)14 mi
32WestPac Wealth Partners665.0★ (5)13 mi
33AXA Advisors664.3★ (6)13 mi
34Kelly Westmoreland665.0★ (11)23 mi
35Smart Assets of Hawaii665.0★ (5)14 mi
36American Savings Bank653.9★ (9)18 mi
37Merrill Lynch Wealth Management653.6★ (5)13 mi
38Prudential Life Insurance & Financial Services653.4★ (5)13 mi
39American Savings Bank653.7★ (15)21 mi
40Pacific Financial Navigators LLC654.3★ (4)14 mi
41Carroll Capital Management643.7★ (3)14 mi
42Ameriprise Financial Services, Inc.643.7★ (3)14 mi
43Robert Priske LLC635.0★ (3)18 mi
44Comprehensive Financial Planning632.0★ (3)14 mi
45Taylor Kaleikau - Thrivent612.3★ (3)21 mi
46Masuda Lehrman Wealth605.0★ (18)14 mi
47Tania Fukuda-Freuler, Financial Adviser - Wahine Wealth Partners575.0★ (8)13 mi

Also serving Kapolei

20 more financial planners within 25 mi that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Kapolei
BusinessGoogle ratingDistance
Anton Financial5.0★ (2)14 mi
Coda Financial Group5.0★ (2)14 mi
Creative Planning3.5★ (2)14 mi
E.A. Buck Financial ServicesIn Kapolei
Edward JonesIn Kapolei
Edward Jones - Financial Advisor3.0★ (2)In Kapolei
Edward Jones - Financial Advisor: Kevin M O'Keefe4.3★ (4)In Kapolei
Financial institutionIn Kapolei
Hawaii Financial Advisors, Inc.5.0★ (2)13 mi
Ken Kondo - Private Wealth Advisor, Ameriprise Financial Services, LLC5.0★ (2)8 mi
Kristi Tanigawa Chun, Partner - Hipac Financial5.0★ (2)13 mi
LPL Financial3.0★ (2)13 mi
LTC Financial PartnersIn Kapolei
Northwestern Mutual5.0★ (2)13 mi
Physicians Billing Solutions LLCIn Kapolei
Roger Tagaloa Ledoux: Primerica - Financial Services5.0★ (43)In Kapolei
Stacia Murray - Private Wealth Advisor, Ameriprise Financial Services, LLC5.0★ (2)13 mi
trading2007In Kapolei
Wealthy Mindset5.0★ (26)In Kapolei
Yvonne Samia: Primerica - Financial ServicesIn Kapolei

How we ranked Kapolei financial planners

We scored 47 Kapolei financial planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Kapolei data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial planner

  1. Confirm the financial planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial planner

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial planner?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial planners in Kapolei: frequently asked questions

Which financial planner has the highest RFA Score in Kapolei?

By RFA Score, the highest-ranked financial planner in Kapolei, HI is Estate Planning Consultants of Hawaii Inc. with an RFA Score of 74/100. It has 5.0★ from 92 Google reviews. First Command Financial Advisor - Jerry Panetta (#2) and First Command Financial Advisor - Yvonne Rubillos, CMFA™ (#3) follow. We ranked 47 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Kapolei?

RankedFinancialAdvisors ranks 47 financial planners serving Kapolei, HI. 1 of them is based in Kapolei; the rest serve it from nearby towns. Another 20 within 25 mi are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Kapolei work on weekends?

10 of 47 ranked financial planners post Saturday hours and 4 post Sunday hours. The highest-ranked open Saturdays are American Savings Bank (#5), American Savings Bank (#6) and American Savings Bank (#12). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Kapolei financial planners have?

The median Google rating among 47 rated financial planners in Kapolei is 5.0★, with a median of 9 reviews. Estate Planning Consultants of Hawaii Inc. has the most, 92 reviews, and ranks #1. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial planners outside Kapolei count in this ranking?

Yes, if they are within 25 mi of the Kapolei city center, our service radius for financial planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial planners pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Kapolei ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial planner’s registration and record?

Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.

Is every financial planner in Kapolei a fiduciary?

Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.

How much do financial planners charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Kapolei

  1. November 2026: RFA Scores recalculated for 47 financial planners serving Kapolei.

More financial planners and Kapolei pages