Independent financial advice for people planning retirement and business owners planning what comes next.
At Ohana Financial Planning, we provide thoughtful financial advice under the fiduciary standard for individuals, families, business owners, and employers. Our advice is built around your goals — not products, commissions, or sales quotas.
- ✔ Independent
- ✔ Fiduciary standard (Fiduciary means we're legally obligated to put your interests first--no hidden agendas, no commission-based sales, just advice that's right for you.)
- ✔ Advice for real people, not just millionaires
Chris Bonapace
Managing Director
We focus on creating tailored investment strategies that maximize growth, minimize risk, and help you achieve long-term financial success.
Why Work With a CFP® & CEPA®
Who We Serve
Individuals & Families
From professionals building wealth to retirees seeking clarity and confidence, we help individuals and families navigate life's financial decisions with guidance that feels supportive and clear.
Business Owners
Business owners face unique challenges — balancing personal goals with business realities. We help coordinate both sides of your financial life, especially around transitions and exits.
Employers & Institutions
We partner with employers to design and manage retirement plans that support employees while helping to meet fiduciary responsibilities.
Our Services
Our services are designed around three core client groups, all delivered
through an independent, fiduciary approach.
Retirement
Planning
Our retirement planning services include:
- Income planning strategies
- Social Security claiming analysis
- Tax-aware withdrawal planning
- Healthcare and Medicare guidance
- Coordination with other professionals
Investment Management
Our investment management approach includes:
- Goal-based portfolio construction
- Risk management and diversification
- Ongoing monitoring and rebalancing
- Clear, plain-English explanations
- Tax-aware organization of investments
Ongoing Financial Planning
Ongoing planning services include:
- Cash flow and spending guidance
- Tax planning coordination
- Insurance coverage review
- Estate planning coordination
- Regular plan updates as life evolves
401(k) PLAN MANAGEMENT &
INSTITUTIONAL SERVICES
Plan Design & Implementation
Plan Design & Implementation
- New 401(k) plan setup
- Employer match and vesting strategies
- Safe Harbor plan design (when appropriate)
- Roth and Traditional 401(k) options
- Plan structure review and optimization
Investment Oversight
Investment Oversight
- Investment menu construction
- Ongoing fund monitoring
- Investment Policy Statement (IPS) development
- Target-date fund evaluation
- Acting as a 3(21) or 3(38) fiduciary (as applicable)
Ongoing Plan Management
Ongoing Plan Management
- Regular plan reviews
- Fee benchmarking
- Vendor coordination (TPAs, recordkeepers, custodians)
- Participation and deferral analysis
- Fiduciary process documentation
Employee Education & Support
Employee Education & Support
- Group education sessions
- One-on-one employee guidance
- Enrollment support
- Retirement readiness education
- Fiduciary guidance without product sales
Compliance Support
Compliance Support
- Coordination with TPAs
- Required notices and disclosures
- Fiduciary documentation support
Our Process
Introductory Call
A no-cost, no-obligation conversation to understand your situation.
Discovery & Goal Setting
We ask thoughtful questions and listen carefully.
Plan Design & Recommendations
Clear, coordinated recommendations aligned with your goals.
Regular reviews (quarterly or semi-annually)
Proactive adjustments as your life, business, or organization evolves.
Our Commitment
Under the fiduciary standard, we are legally and ethically required to act in your best interest at all times.
That means:
- Advice is based on your needs, not incentives
- Recommendations are transparent and understandable
- Conflicts of interest are minimized and disclosed
- Planning decisions are made collaboratively
You deserve advice that puts you first — always.
What Makes Ohana Different
Many people avoid financial planning because it feels intimidating — but it doesn’t have to be.
WHO WE HELP
Individuals & Families
You may be:
- Approaching retirement and unsure how income will work
- Recently retired and adjusting to a new financial rhythm
- Balancing saving, investing, and family responsibilities
- Seeking guidance without pressure or judgment
We help individuals and families organize their financial lives, make informed decisions, and move forward with confidence.
Our role is to provide clarity — not overwhelm.
Business Owners
Business owners often spend years building value but far less time planning how that value will eventually support their personal lives.
We help business owners:
- Prepare for future transitions
- Understand business and personal financial alignment
- Coordinate with CPAs and attorneys
- Plan for liquidity events and post-exit life
Whether exit is near or years away, thoughtful planning creates better outcomes.
Employers & Institutions
Employers face increasing responsibility when offering retirement plans.
We work with organizations to:
- Design effective 401(k) plans
- Fulfill fiduciary obligations
- Improve employee outcomes
- Reduce unnecessary costs and complexity