The 2026 Tax Planning Checklist for Hawaii High Earners
35+ tax strategies, updated for the new 2026 tax laws, with IRS source links - created by a fiduciary advisor who uses this checklist in practice.
Have you ever found yourself thinking:
You're earning well - but when it comes to taxes, you're not sure if you're leaving money on the table.
"I'm making good money, but I have no idea if I'm actually optimized for taxes."
Most high earners file on time - but filing isn't planning. There's a significant difference between compliance and strategy.
"I hear about strategies online but I never know what actually applies to my situation."
Generic advice is everywhere. What's rare is a Hawaii-specific, fiduciary-verified framework tailored to your income level and asset profile
"My CPA files my return, but nobody is proactively planning with me."
Tax preparers look backwards. Fiduciary advisors look forward. This checklist bridges that gap - so you can act before the year closes, not after
You're not alone, and this checklist was built for exactly that.
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Fiduciary - Created
Every strategy is vetted by an advisor with the intention to help save legally on taxes.
Hawaii - specific
Built for the unique tax landscape facing high earners in the islands.
2026 - updated
Reflects the latest law changes and important numbers to know.
Common Strategies Most High Earners Miss
Retirement accounts, Roth conversions, HSAs, charitable planning, and more - the foundational moves your return doesn't reflect but should.
Real Estate Tax Strategies for Hawaii Property Owners
Depreciation, cost segregation, 1031 exchanges, and short-term rental tax treatment - built for the Hawaii real estate market specifically.
Business Owner Deductions and Structures
QBI, Section 179, bonus depreciation, entity optimization, and the Augusta Rule - essential reading for self-employed professionals and business owners.
Estate Planning Under the New $15M Lifetime Exemption
GRATs, SLATs, IDGTs, and more - strategies to protect and transfer wealth efficiently before the exemption landscape shifts again.
Hawaii-Specific Strategies
PTE tax election, SALT workaround, Social Security optimization, and IRMAA planning - locally relevant moves most national advisors overlook entirely.
IRS-Sourced
Every recommendation includes direct regulatory references - no guesswork.
TESTIMONIALS
What Our Clients Have to Say
Testimonials were given by current and past Advisory clients. No cash or non- cash compensation was provided directly or indirectly for the testimonial.
Aaliyah
Real Estate Investor
“There are not enough words to describe how appreciative I am to have Ethan as a financial coach. I was living the dream in Hawaii with ZERO cares in the world. I knew I needed to buckle down because I was making decent money with nothing to show for it. Ethan sat me down for a few informative meetings where he got to understand me, my goals, and my lifestyle. Within two years I was able to reach my financial goals, which I never dreamt to be possible especially in that short amount of time. We were aggressive but with the right mindset, anything was possible. And the greatest part of it all - Ethan made it fun!”
Josh
Intelligence Analyst
"Ethan and his team have been helping me with my personal finances for years now,and I couldn't be happier with the results and the experiences I've had. Ethan has broken things down for me, taught, shown, and done so much that I would have never known had I not started with him. I would highly recommend Ethan and Kālā Capital to anyone who is looking to improve their personal or business finances."
Tom
Wedding Photographer
“Ethan is informative and never pushy; he outlines a clear path to follow for financial well-being and breaks down that path into different sections, which we tackled during different zoom calls. After each call I feel confident that I knew what to do with my money going forward. He and his team are also available to answer general business-related money questions; an invaluable resource if you're an entrepreneur.”
Kyle
Foreman
“Ethan and Kala Capital gave us a roadmap on our financial freedom, better understanding on having a team around us that included protection planning, tax advantages, retirement, short term goals vacations, home renovation , real estate, having a child, and insurance coverage. They also provided me financial literacy content as a member here are I believe hundreds of hours of information to learn from that was broken down into layman's terms so anyone can understand this and learn this confusing financial/investing information. I feel that having a sounding board and a team around me and a company I believe and TRUST in is invaluable. I will champion them and believe in them because they have earn my trust in them as well Thank you Kala Capital and
Ethan Ho!!!”
Karen
Coach and Business Owner
"We started working with Ethan in late 2023 and it has been a transformative experience. Ethan helped my husband and I recognize that our needs matter, which helped me take a better stand for what I want and need in my business. Ethan also showed us the importance of seeing the bigger picture, and integrating our business and personal finances instead of always looking at them in silos. Ethan also spent a lot of time helping us shift out of the minutiae to adopting a broader, more strategic financial approach."
Chelsea
Founder, Miss Fit
“Financial literacy and understanding of how that works is not my forte. In college I did Liberal arts and Anthropology and Geology so it’s not something that I was 1) interested in and 2) have the knowledge of how to do this right the first time. Ethan understood where I was at. He could see very clearly where I wanted to go, probably more so than what I see clearly in terms of the paths I could take. I decided ‘Ok I can either take action now and see results sooner or I can wait, and put it off.’ So I said ‘Alright I’m going to do this’ and I’m glad I did.”
Testimonials were given by current and past Advisory clients. No cash or non- cash compensation was provided directly or indirectly for the testimonial.
Kālā Capital Partners, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Kālā Capital Partners, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Kālā Capital Partners, LLC unless a client service agreement is in place. Form ADV, Privacy Policy, and Disclosures.