Takagi & Takagi

What Takagi & Takagi does

Takagi & Takagi is a four-generation, family-owned independent financial advisory firm founded in 1997 and headquartered in Honolulu, Hawaii. The firm serves individuals and families in Hawaii with retirement planning, investment management, estate coordination, insurance (life, long-term care, property & casualty), 529 college savings, annuity income strategies, and tax-aware financial planning. Its service delivery is structured around three differentiated tiers — MAILE (commission-based transactions for self-maintained accounts), WILIWILI (AUM-based quarterly fees for comprehensive ongoing management), and MANGO (advice-only at one-time, hourly, or annual flat rates) — allowing clients to select fee structures matching their engagement level. Specialized sub-segments include property & casualty clients and church clients served through Insurance Board partnerships.

The firm's revenue mechanics combine transaction commissions, recurring AUM percentage fees, flat-fee/hourly advice billing, and insurance placement commissions via partners such as Crum & Forster, First Insurance Co of Hawaii, Island Insurance, and Insurance Board. Securities are offered through Osaic Wealth (formerly Royal Alliance), a FINRA/SIPC member broker-dealer providing custody and execution, while investment advisory services are technically offered through NWF Advisory Services, which supplies compliance and operational infrastructure. Distribution is direct and consultative (free initial consultations, document review, tailored action plans), supported by a content-driven website, regular newsletters launched August 2023, educational webinars with third-party partners, and community engagement across Oahu and Seattle.

Operationally, the firm runs on approximately 9 staff organized around family partners (David Takagi, Megan Takagi, Taea Takagi-Jones, Grant Jones, Karen Vance) plus a financial paraplanner, assistants, and a marketing assistant. Technology is described generically as upgraded communication/account management software with encrypted file security but contains no proprietary AI or data systems. The firm holds no patents or trademarks of record, has completed no funding rounds, and has not disclosed financial performance, customer counts, or revenue. Geographic reach remains concentrated on Oahu with secondary community ties to Seattle, and growth is achieved through family succession, advisor onboarding, and product-line cross-sell rather than acquisition.

Name

Takagi & Takagi

Legal name

Takagi & Takagi

Website

https://takagiandtakagi.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Takagi & Takagi is a four-generation, family-owned independent financial advisory firm in Honolulu, Hawaii serving individuals and families with retirement, investment, estate, insurance, and education-savings planning through commission, AUM, and flat-fee service tiers.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Family Wealth & Multi-Generational Planning RIAs (HNW/UHNW-lite) (FSAAACAH), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Corporate Retirement Plan Advisory RIAs (ERISA 401(k)/403(b)) (FSAAACAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Financial advisory services
• Retirement planning
• Wealth management
• Insurance services
• Estate planning

Headquarters

HQ city

Honolulu

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Commission-Based Services (MAILE Platform): Earns commissions on investment transactions, helping clients establish self-maintained investment accounts. Basic core services including outside holdings review, portfolio construction, education planning, and investment advice.
2. AUM-Based Management (WILIWILI Platform): Charges quarterly fees based on percentage of assets under management for comprehensive ongoing management, financial planning, and full service offerings including retirement analysis, risk monitoring, and estate coordination.
3. Advice-Only Services (MANGO Platform): Charges one-time, hourly or annual flat-rate fees for advice-only services including financial holdings review, education planning, retirement analysis, estate coordination, and coaching.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Takagi & Takagi delivers personalized financial advisory services through three differentiated platforms: MAILE (commission-based transaction services), WILIWILI (AUM-based comprehensive management), and MANGO (advice-only flat-fee/hourly consulting). The firm provides investment management, retirement planning, estate coordination, education planning, and financial coaching to individuals and families. It also distributes insurance products including long-term care, life, and property & casualty coverage, alongside 529 college savings and annuities.

Product overview

Takagi & Takagi is a four-generation family financial advisory firm offering a tiered service model with three platform options (MAILE Basic Core for transaction-based accounts, WILIWILI Comprehensive for AUM-based ongoing management, and MANGO Advice-only for flat-rate consultations). The firm supplements these core advisory platforms with specialized insurance products including Long Term Care, Property & Casualty, 529 College Savings plans, and Annuities & Income products. Services span investment management, financial planning, retirement analysis, estate coordination, risk monitoring, and tax-aware strategies delivered through personalized client relationships grounded in Hawaiian community values.

Differentiator

Problem solved

Functional benefit

Brands

• Maile Platform (Basic Core): Commission-based platform for establishing self-maintained investment accounts, offering outside holdings review, portfolio construction, education planning, and investment advice.
• Wiliwili Platform (Comprehensive)
• Mango (Advice-only)

Products and services

• MAILE Platform (Basic Core) Commission-based service tier where advisors earn transaction commissions and help clients establish self-maintained investment accounts. Includes outside holdings review, portfolio construction, education planning, and investment advice. Targeted at clients who want to maintain their own accounts while receiving professional transaction guidance.
• WILIWILI Platform (Comprehensive) Comprehensive advisory service tier charging quarterly fees based on assets under management (AUM) for ongoing management, financial planning, and full-service offerings including retirement analysis, risk monitoring, and estate coordination. Targeted at clients who want comprehensive ongoing management of their portfolio and financial plan.
• MANGO (Advice-only) Advice-only service tier charging one-time, hourly, or annual flat-rate fees for targeted financial guidance including education planning, retirement analysis, and estate coordination without ongoing portfolio management. Targeted at clients seeking professional advice without asset-based or commission arrangements.
• Long Term Care Insurance Insurance product offering tax-free payouts, asset preservation, family protection, and flexible care options (at-home or facility) available as hybrid or stand-alone policies in single or joint life configurations. For individuals planning for extended care needs.
• Property & Casualty Insurance Property and casualty insurance products covering automobile, homeowners or renters, hurricane, fire, flood, umbrella, worker's compensation, and general liability insurance needs. For property owners, vehicle owners, and small businesses in Hawaii.
• 529 College Savings Tax-advantaged education savings vehicle with transferability within family, learning incentives, 5-year election benefits, and partial Roth IRA rollover options for qualified distributions. Targeted at families planning for education expenses.
• Annuities & Income Annuity products offering tax deferral benefits, lifetime income creation, and guaranteed payments available in immediate or deferred, fixed or variable options with low or no-cost configurations. For clients seeking guaranteed income in retirement.

Quantifiable outcome

• Douglas Takagi qualified for Million Dollar Round Table membership for 42 of his 44 years in business
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

13 partnerships are on record, tiered core and minor.

• Osaic Wealth, Inc. (formerly Royal Alliance)coreChannel Partner/ Reseller/ DistributorSecurities offered through Osaic Wealth, Inc., member FINRA/SIPC. This is the primary platform for securities transactions and custodial services for client accounts. The firm was formerly known as Royal Alliance and part of Advisor Group, rebranded to Osaic in June 2023.
• NWF Advisory Services, Inc.coreImplementation/ SI/ Consulting PartnerInvestment advisory services offered through NWF Advisory Services, Inc., which is not affiliated with Osaic Wealth. Provides compliance support and client management infrastructure. Partner Peter Wang specializes in 401k plans through this relationship.
• Savor LiningminorStrategic or Co-development PartnerPartnership for mental fitness webinars covering topics such as self-esteem, communication, anxiety, relationships, and boundaries. Takagi & Takagi hosts these therapist-led sessions for client education on holistic wellness.
• Calvert (VP & Senior Investment Specialist Andrew Olig)minorGTM or Marketing PartnerPartnership for responsible investing webinars. Andrew Olig, VP & Senior Investment Specialist at Calvert, explores aligning financial goals with values through responsible investing.
• Capital Group/American Funds (Regional VP John Sulzicki)minorGTM or Marketing PartnerPartnership for investment education webinars. John Sulzicki, Regional VP at Capital Group/American Funds, helps address concerns about investing during election years and long-term goals.
• Savor LiningminorStrategic or Co-development PartnerMental fitness webinar partnership. Takagi & Takagi, in partnership with Savor Lining, offers webinars on topics like anxiety, setting boundaries, and enhancing relationships.
• Dr. Laurie SteelsmithminorGTM or Marketing PartnerNaturopathic physician who partnered for 'Your Health & Your Wealth' webinar exploring natural medicine, brain foods, anxiety, and healthy routines.
• Pam ChambersminorGTM or Marketing PartnerProfessional public speaking coach who partnered for 'Secrets of Effective Communication' webinar.
• Crum & ForsterminorChannel Partner/ Reseller/ DistributorProperty & casualty insurance partner providing client access portal for coverage management.
• First Insurance Co of Hawaii (FICOH)minorChannel Partner/ Reseller/ DistributorHawaii-based property & casualty insurance partner with flood insurance options through FICOH Flood portal.
• Island InsuranceminorChannel Partner/ Reseller/ DistributorHawaii-based property & casualty insurance partner.
• Insurance Board (churches)minorChannel Partner/ Reseller/ DistributorSpecialized insurance coverage for church clients with dedicated client portal access.
• Peter Wang (401k Advisor, NWF Advisory associate)minorChannel Partner/ Reseller/ DistributorSpecialist in 401k plans partnered through NWF Advisory for small business retirement plan services.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: National financial advisory franchise emphasizing long-term personal relationships, retirement planning, and face-to-face service through local offices. Operates a similar model of community-rooted advisors serving individuals and families with comprehensive investment and insurance products, but at massive scale and broadly distributed geographically versus Takagi & Takagi's single-state focus.
• Ameriprise Financial: Provides full-service financial planning, investment advisory, and insurance solutions to individuals and small businesses via a national advisor network. Closely mirrors Takagi & Takagi's combined investment-plus-insurance advisory value proposition, but at significantly larger scale across all U.S. states.
• Raymond James Financial: Independent broker-dealer and wealth manager offering comprehensive financial planning, retirement, estate, and wealth advisory services. Comparable to Takagi & Takagi in delivering holistic planning rather than product-pushing, but with substantially greater scale and geographic reach.
• Robert W. Baird: Employee-based wealth management firm with strong private client group serving individuals and families with financial planning, investment management, and retirement income planning. Directly comparable in providing integrated planning-led advisory with insurance solutions, though at substantially greater scale.
• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of independent financial advisors with RIA and broker-dealer infrastructure. Takagi & Takagi uses a similar independent-channel model (Osaic Wealth); LPL represents the comparable independent-broker-dealer infrastructure alternative at industry-scale.
• Commonwealth Financial Network: Independent broker-dealer/RIA support platform serving independent financial advisors with holistic planning tools. Operates a similar business model to Takagi & Takagi's Osaic Wealth partnership, supporting advisors who provide comprehensive planning to individuals and families, though at much larger scale.
• Cetera Financial Group: Independent broker-dealer platform offering comprehensive wealth management services through a network of independent advisors. Operates a parallel channel structure to Takagi & Takagi's Osaic Wealth relationship and provides similar comprehensive planning plus insurance solutions to clients, though as a much larger competitor platform.
• Cambridge Investment Research: Independent broker-dealer with a large affiliated RIA community, supporting advisors offering financial planning, retirement, and wealth management to individuals. Closely comparable delivery model—independent advisor doing comprehensive planning under a larger broker-dealer/RIA wrapper—servicing similar clientele with similar product scope.

Regional players

• Bank of Hawaii Wealth Management: Hawaii-headquartered bank-affiliated wealth management division serving local high-net-worth clients with investment, retirement, and trust services. Most direct geographic competitor to Takagi & Takagi, operating within the same Hawaii market and targeting the same client segments, but with institutional scale and bank-balance-sheet alternatives.
• First Hawaiian Bank Wealth Management: Investment and trust services arm of Hawaii's largest bank, providing portfolio management, financial planning, and retirement advisory to local individuals and families. Head-to-head competitor in the same Honolulu geographic market with comparable target clientele, though operates with bank-trust infrastructure rather than independent advisory structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/takagi-and-takagi

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Takagi & Takagi