Compliance
From $500/yr
For retirees with income in Hawaiʻi only.
- Your federal and Hawaiʻi returns (1040 and N-11)
- Social Security, pension and IRA income reported correctly
- Estimated tax payments set up if you need them
Retirement & Legacy
Keep more of what you saved.
Tax planning and returns for Hawaiʻi households approaching or in retirement: withdrawals, RMDs, Medicare costs, gifts to family and trust returns.
Outcomes
A plan for every year that sets your tax bill
A withdrawal plan, year by yearWhich account to draw from first, and how much, to keep your tax bracket low.
No surprise Medicare surchargeMedicare's income surcharge (IRMAA) is based on your income from 2 years earlier; we plan the years that set it.
RMDs taken on time, at the right amountNo missed required withdrawals, and qualified charitable distributions where they help.
Gifts to the kids, done rightGifts timed and reported properly, with gift tax returns filed when needed.
Trust and estate returns filedForm 1041 returns prepared on time for the trust or estate your attorney set up.
Free tool
Your Retirement Tax Timeline
Enter your birth month and year and see your own dates: penalty-free withdrawals, Social Security, the Medicare lookback, Medicare enrollment, full retirement age and when your required withdrawals start.
Who we help
For Hawaiʻi households about 60 and over
- Hawaiʻi residents with 401(k)s, IRAs or pensions
- Recent and soon-to-be retirees
- Retired military and government workers
- Adult children handling a parent's trust or estate
Sound familiar?
I don't know which account to take money from first.
My Medicare premiums jumped and nobody told me why.
I want to help the kids now without a tax headache later.
Mom's trust needs a tax return and I don't know where to start.
The Hawaiʻi angle
Hawaiʻi's rules reward a plan.
Some retirement income is taxed in Hawaiʻi and some isn't. A plan built around those rules can save real money. [verify the current state rules]
- Hawaiʻi generally doesn't tax Social Security
- Most employer-funded pensions are generally exempt in Hawaiʻi
- IRA and 401(k) withdrawals are generally taxed, so the order you draw from accounts matters
Upfront pricing
See your price first, then reach out.
Flat fees, posted here. Your final price is confirmed after a short review of last year's return.
Compliance Plus
From $800/yr
For snowbirds, landlords and part-time business owners.
- Everything in Compliance
- More than 1 state, rental properties, or a small business
- Hawaiʻi and other-state credits coordinated
Retirement Tax Plan
$800one-time
For anyone within 5 years of retiring, or just retired.
- Which account to draw from first, year by year
- Roth conversion and RMD timing
- Medicare surcharge (IRMAA) check on the years that set it
- A written plan and a review meeting
Simple Trust
$800/yr
For trustees and adult children handling a parent's trust.
- Federal Form 1041 and Hawaiʻi Form N-40
- K-1s to each beneficiary
- Estimated payments for the trust, if needed
Complex trusts and estate returns are quoted after a short review. Fees are per return, per year, unless noted.
Retirement questions
Do you manage investments?
No. We plan the taxes and work alongside your financial advisor.
Do you set up trusts?
No. Your attorney drafts the trust, and we handle its tax returns.
Can you help my parents if they're on another island?
Yes. We work with families on every island by video, phone and a secure client portal.