SEA Financial Hawaii
Licensed
Licensed
About
As a fee-only fiduciary financial advisor, we serve pre-retirees within 2-5 years of retirement. We provide comprehensive planning guidance designed to help you make confident financial decisions. Unlike many financial firms, we operate under a fiduciary standard, meaning we are legally and ethically obligated to place your interests first.
With 25 years of experience, the value we bring is objective, unbiased financial advice. Our planning services address every aspect of your financial life—from investment strategy and tax planning to estate analysis and long-term decision-making.
If you are looking for a Fee-Only Financial Advisor (serve clients virtually nationwide), we invite you to schedule a complimentary introductory consultation. We'll discuss your goals, answer your questions, and determine whether we are a good fit to work together. Aloha!
Credentials
License verified
Investment Adviser Representative
License state: HI
Background checked
Passed by Martin Wheeler on Jan 14, 2026.
Services offered
Accounting needs
Bookkeeping
Preparing tax returns
Managing AR and AP
Preparing fin. statements
Entity type
Individual or sole proprietorship
Partnership
C-Corp / Corporation
S-Corp
Industry
Sales & marketing
Healthcare
Technology / IT
Manufacturing
Projects and media
Projects and media
Reviews
Exceptional 5.0
5 reviews
5
100%
4
0%
3
0%
2
0%
1
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Your trust means everything to us. Learn about our review guidelines.
Ivy L.
Jul 6, 2025
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From Google
We had the pleasure of speaking with Garrett about a complex financial situation involving our family, and even though we weren't in a position to officially hire him, he took the time to truly listen and offer guidance. Garrett was incredibly kind, compassionate, and professional. He approached our situation with empathy and was ready to help in any way he could. Its rare to come across someone so genuine and generous with their time. Were truly grateful for his support.
SEA Financial Hawaii's reply
Thank you for your kind words, Ivy. It was a pleasure speaking with you. I wish you and your ‘ohana all the very best. Please don’t hesitate to reach out if I can be of help in the future.
Michael C.
Mar 2, 2026
•
From Google
A few months ago, I told myself that I was going to start taking my financial future seriously and I was ready to find someone to help assist me on my path towards retirement. Garrett at SEA Financial has been a blessing. From our first initial zoom meeting, he made me feel comfortable and I knew instantly I wanted to work with him. Garrett is personable, informative, and very organized. He is quick to respond to questions and during our short time together, we've had several zoom meetings to discuss my situation, concerns, and goals for the future. I got the sense that i am more than just another client to him. Mahalo Garrett, I look forward to the journey ahead.
SEA Financial Hawaii's reply
Thanks, Michael. As I’ve shared, you’re exactly the kind of client we truly enjoy working with—a diligent saver focused on long-term success. Most importantly, you’ve clearly defined your reasons for engaging in this type of collaborative planning; your “why” is clear. I believe one of the most important decisions anyone can make about retirement is taking responsibility for funding it themselves. Saving today is one of the most powerful ways to create a more stable tomorrow. You're on your way. Here's to your continued success! Aloha, GW
Brandie L.
Oct 3, 2024
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From Google
SEA Financial Hawaii's reply
Farrah
Sep 26, 2024
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From Google
Garrett was an excellent financial advisor. He was incredibly helpful with helping my family with our questions on our insurance and in creating an investment account. He explained everything thoroughly and answered all our questions even though we had a lot of them. He was incredibly patient with us, especially because we had limited knowledge on this kind of stuff. We were able to fully understand our finances better and we are happy to finally be able to open a new investment account. If you need help with your finances you should go to Garrett!
SEA Financial Hawaii's reply
Thank you, Farrah! I truly appreciate your feedback and kind words. It's been a pleasure working with you and your parents on your investment management and financial planning. Until next time, take care. Aloha!
Andrea T.
Apr 5, 2025
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From Google
Garrett Wheeler provides excellent customer service. He is an excellent listener who makes easy to understand financial advice. Most importantly, Garrett is EXTREMELY trustworthy, and you can tell how much he cares about your circumstance. He is very patient with you when you are making your financial decisions. I highly recommend using Garrett for your financial planning.
SEA Financial Hawaii's reply
Hey, Andrea and Jim, thank you so much for your kind words and wonderful review. Working with rock-solid clients like you--businessowners and good human beings--is an absolute pleasure. Serving as your trusted advisor and knowing our work together will make a positive financial impact is genuinely rewarding. I look forward to our continued collaboration. Mahalo!