The Value of Experience

Our Story

Michelle Tucker
CFP®/JD/CPA/PFS/AEP

We are an independent, fee-based wealth advisory firm located in Hawaii. Our mission is to enhance and simplify our clients’ lives through decision making centered on personal life goals, comprehensive planning, personalized service and prudent investment advice.

Our experience allows us to identify and combine many of the best practices, best processes, and most prudent investment management and financial planning principles available into a simple and elegant wealth management process. We started 3D Wealth Advisors, Inc. to offer clients a refreshing alternative to the product-driven, high-commission approach of too many brokerage firms.

What makes us different?

  • We offer a multi-disciplinary approach to planning, an approach made possible by years of experience helping people like you
  • We provide a consultative advice process, which means you tell us what is important to you, and your goals drive the planning process
  • We are independent and fiduciaries, which means we put your interests first
  • We tailor your plan to reflect your unique life
  • We are commission free and our fees are straight forward and transparent
  • We implement an investment philosophy based on Nobel-Prize winning academic research

We encourage you to meet with us. You will learn more about how we can advise and guide you toward your financial planning goals and aspirations.

Michelle Tucker, CFP/JD/CPA/PFS/AEP – Your Personal Financial Specialist

Expertise

Michelle Tucker specializes in the concerns of clients ages 55 and older who are either in retirement or planning for retirement.

  • She is well-versed in all of the critical aspects of retirement—wealth management, taxes, estate and long-term care planning and providing legacies for loved ones.

Michelle Tucker specializes in the concerns of clients ages 55 and older who are either in retirement or planning for retirement.

  • She is the co-founder and partner of three professional firms – Sterling & Tucker, LLP, a limited liability law firm, Sterling & Tucker, Inc., CPAs, and 3D Wealth Advisors, Inc.
  • Practicing in these multiple disciplines, she has helped families
    • make the best choices for their retirement
    • to grow and preserve assets
    • save on taxes
    • and then to be able to pass their wealth as efficiently as possible to the next generation.

If you are like most people, you will retire only once, and mistakes in this process can be extremely costly. Seemingly simple decisions, such as when to take social security, can cost you thousands of dollars, if not done right. How often do you do something perfectly, when it’s the first time you have ever done it? By establishing a long-term relationship with Michelle, she can help manage your financial life not just when you retire, but for the rest of your life.

In addition, she will help you minimize—or even eliminate– potentially huge estate taxes as well as income tax on IRAs, retirement distributions and inherited IRAs. She’ll help you make the most of your assets so you can enjoy what you’ve built over a lifetime and have a successful retirement. As life progresses, she’ll be a resource and guide for important decisions concerning your long-term care and the best ways to leave your wealth to those you love.

Background

Ms. Tucker is an estate planning attorney, a Certified Financial Planner®, a CPA/Personal Financial Specialist, and a Registered Financial Consultant. Her professional capabilities together with the wisdom gained from over 30 years in practice, combine to bring positive change to the lives of her clients.

Ms. Tucker is an estate planning attorney, a Certified Financial Planner®, a CPA/Personal Financial Specialist, and a Registered Financial Consultant.

She is the first attorney in Hawaii to be certified by the American Bar Association (ABA) accredited Estate Law Specialists Board, Inc., as an Estate Planning Law Specialist, and is so certified by the Supreme Court of Hawaii. The Supreme Court grants Hawaii certification only to lawyers in good standing who have successfully completed a specialty program accredited by the ABA.

Ms. Tucker belongs to the American College of Financial Planners. She is an American Bar Foundation Fellow and a Charter Member of the American Academy of Estate Planning Attorneys, and a member of the National Academy of Elder Law Attorneys. She belongs to both the Hawaii State and American Bar Associations. She belongs to the Hawaii Society of CPAs and the American Institute of Certified Public Accountants as well as the Forensic Accountants Society of North America.

She contributes to local news publications, is a sought-after public speaker and has co-authored three books; “Guiding Those Left Behind”, “Total Wealth Management”, and “Estate Planning Basics in Hawaii”.

Education

Ms. Tucker attended the University of Hawaii at Manoa and received a Bachelor of Business Administration degree in 1977 and a Juris Doctor from William S. Richardson School of Law in 1981. As a student, she received numerous local and national awards, and credits much of her success to her teachers at McKinley High School, and professors at the University of Hawaii at Manoa and the William S. Richardson School of Law.

Personal

Ms. Tucker is the mother of four children and spends her free time exploring Hawaii’s breath-taking coastlines and mountain ranges.