Financial Advisor in Hawaii
1.oak Financial serves Hawaii through January Liddell, Sr. Financial Specialist and licensed insurance agent, whose husband is a retired veteran. The firm's planning team and Advisory Alpha's investment team work behind her to build a One of a Kind Financial Plan™ around Hawaii's tax rules and your story.
January Liddell has four years in financial services, and her work focuses on strategies that account for a changing tax environment and market volatility. She wrote Alina, The Super Saver, a children's book about saving early.
Hawaii taxes retirement income according to where it came from. Pensions your employer paid for, including military and federal civil service pensions, are excluded from Hawaii income tax, while IRA withdrawals and money from your own 401(k) contributions are taxable. The One of a Kind Financial Plan™ starts with your story, then works through tax strategy, retirement income, investments, long-term care and legacy with Hawaii's rules in view.
Your Guide in Hawaii
Investment advisory services are offered through Mike Milligan, an Investment Advisor Representative of Advisory Alpha, LLC. January Liddell is not an Investment Advisor Representative and is not licensed to provide investment advice.
The One of a Kind Financial Plan™, built for Hawaii
Tax Planning
Withdrawal order, Roth conversion timing, and bracket management built around the state facts below, so more of what you saved stays yours.
Retirement Income Planning
A month-by-month income picture that answers one question: can the life you want here be paid for, for as long as you live it?
Investment Management
Portfolios managed with Advisory Alpha's investment team, held at Fidelity, Charles Schwab, and American Funds.
Long-Term Care Planning
The HALO health analysis puts numbers on the risk everyone avoids talking about, before it makes the decisions for you.
Legacy Planning
Documents, beneficiaries, and the family conversation, so what you built lands where you intend it to.
Flat Fee Planning
A comprehensive plan for a straightforward, predetermined fee, so you know exactly what you're paying and what you're receiving.
What’s different about planning in Hawaii
- Hawaii does not tax Social Security, and pensions an employer paid for, including military, federal civil service and state or county retirement pay, are excluded from Hawaii income tax.
- IRA withdrawals and the part of a 401(k) or similar plan funded by your own contributions are taxable in Hawaii, so the source of each retirement dollar shapes your withdrawal order.
- Hawaii levies its own estate tax on estates above $5.49 million, at rates that reach 20% on taxable estates over $10 million, so legacy planning here starts well below the federal threshold.
State tax details current as of 2026 and subject to change; your plan is built on the rules in force when it is written, alongside your tax professional.
Hawaii questions, answered plainly
Who serves Hawaii for 1.oak Financial?
January Liddell, Sr. Financial Specialist, serves Hawaii families with the 1.oak planning team and the Advisory Alpha investment team behind her. Investment advisory services are offered through Mike Milligan, an Investment Advisor Representative of Advisory Alpha, LLC. The first call is complimentary.
Does Hawaii tax military retirement pay?
No. Hawaii excludes pensions an employer paid for, including military retirement pay and federal civil service pensions, from state income tax. Any portion funded by voluntary contributions you elected to make is taxable, and so are IRA withdrawals.
Are IRA and 401(k) withdrawals taxed in Hawaii?
Generally, yes. Hawaii taxes IRA withdrawals and the part of a 401(k) funded by your own contributions. A rollover IRA keeps the character of the plan it came from, which matters when you consolidate accounts.
Does Hawaii have an estate tax?
Yes. Hawaii taxes estates above $5.49 million, with rates reaching 20% on taxable estates over $10 million. That threshold sits far below the federal one, so the legacy component of your plan starts with Hawaii's rules.
