Kekoa Capital

Kekoa Capital serves individuals and families, including high-net-worth clients, by providing tiered, flat-fee comprehensive financial planning and consulting as well as hourly or per-meeting consultations for targeted advice. The firm does not manage client investment accounts or take custody of client assets; clients implement recommendations through their chosen custodians.

The firm’s work is goals-based and tailored to each client’s situation, with analysis of cash flow, net worth, debts, savings rate, time horizon, and risk tolerance informing recommendations. Kekoa generally favors long-term, diversified, low-cost mutual funds and ETFs, begins engagements with meetings and questionnaires, and may use client-controlled aggregation tools (for example, Monarch Money) to obtain view-only account information.

Noteworthy for a firm of its regulatory profile, Kekoa uses fixed, flat annual planning fees billed in equal monthly or quarterly installments (a subscription-style arrangement) and also offers low-cost hourly consultations — fee structures that are relatively uncommon among peers. The firm does not accept commissions or performance-based fees, does not act as a private fund adviser or accept discretionary authority, and maintains a formal Code of Ethics while its principal devotes full professional time to the practice.