Financial Planning Association of Hawaii C/o Bernadette Wu Executive Director
Nonprofit profile at a glance
- EIN
- 990217418
- IRS 990-EZ coverage
- 2010–2025
- Forms available
- Form 990-EZ 2025
- Location
- Ewa Beach, HI, USA
- Phone
- 8084368975
- Rating
- 84
- Verdict
- STRONG
- Rating confidence
- Moderate
- Sector
- Chambers of Commerce & Business Leagues
Reported finances
- Revenue
- $64,706
- Expenses
- $64,212
- Assets
- $121,322
- Liabilities
- $606
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
10 people listed
Executive titles in this filing
- PAUL GAUCI (PRESIDENT)
- BRENT CURLOW (VICE PRESIDENT)
- BERNADETTE WU (EXECUTIVE DIRECTOR)
People named in this filing
- KRISTY NISHIDA (SECRETARY)
- MICHAEL BRUGGEMANN (TREASURER)
- PAUL GAUCI (PRESIDENT)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Fpa of Hawaii strengthens our community by building an organization of financial professionals dedicated to helping clients achieve their financial and personal objectives through the financial planning process. We enhance the growth and financial success of our members by providing educational and networking opportunities while upholding the highest standards of ethics and integrity.
What it reported doing in 2025
Monthly membership meetings, with invited speakers covering various financial topics; financial planning educational symposium; new planners program. Approximately 100 members served.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 99% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Revenue has declined or grown slowly and expenses are high relative to revenue.
Rating breakdown
- Financial Efficiency: 94
- Transparency & Controls: 82
- Sustainability: 44
- Growth: 40
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 96.3%; rating input score 96
- Program expense ratio: 92%; rating input score 92
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 0.8%; rating input score 46; 46th percentile among comparable filings
- Total-asset coverage ratio: 1.89; rating input score 64; 64th percentile among comparable filings
- Liabilities to assets ratio: 0; rating input score 27; 27th percentile among comparable filings
- Officer compensation ratio: 33%; rating input score 6; 6th percentile among comparable filings
Growth
- Program expense growth: 14.6% per year; rating input score 100; 76th percentile among comparable filings
- Revenue growth: -0.8% per year; rating input score 0; 47th percentile among comparable filings
- Asset growth: -1.5% per year; rating input score 0; 33rd percentile among comparable filings
Details
- Where the money goes: 96.3% of revenue deployed · 92% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment · $59K in reported program spending
- Leadership: top reported pay $0 · 10 people listed
- Consistency: 9 of 9 current checks pass
- Schedules: 1 filed schedules
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Growth: Revenue growth scored 0/100.
- Moderate — Sustainability: Operating margin scored 46/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Officer compensation ratio scored 6/100.
- High — Sustainability: Liabilities to assets ratio scored 27/100.