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12
13<!-- Title & Description -->
14<title>Cincinnati, OH | Financial Blog &amp; Articles for Medical &amp; University Professionals — Ohana Wealth &amp; Life Planning</title>
15<meta name="description"
16content="Stay up to date with our latest blog posts, relevant ESG news and various events in the Greater Cincinnati area.">
17<!-- Open Graph -->
18<meta property="og:site_name" content="Ohana Wealth &amp; Life Planning">
19<meta property="og:title" content="Cincinnati, OH | Financial Blog &amp; Articles for Medical &amp; University Professionals">
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22<meta property="og:type" content="website">
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24<meta itemprop="name" content="Cincinnati, OH | Financial Blog &amp; Articles for Medical &amp; University Professionals">
25<meta itemprop="description" content="Stay up to date with our latest blog posts, relevant ESG news and various events in the Greater Cincinnati area.">
26<meta itemprop="url" content="https://ohanaplanning.com/blog">
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29<meta name="twitter:title" content="Cincinnati, OH | Financial Blog &amp; Articles for Medical &amp; University Professionals">
30<meta name="twitter:description" content="">
31
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42title="Cincinnati, OH | Financial Blog &amp; Articles for Medical &amp; University Professionals RSS Feed">
43
44<!-- Prefetch -->
45<link rel="dns-prefetch" href="https://static.twentyoverten.com">
46
47<style>
48@import 'https://fonts.googleapis.com/css?family=Asul:000,000i|Quattrocento:000,000i|Archivo:000,000i';
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54
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115
116
117.overlay .text span {
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120  padding: 0.1rem 0.3rem;
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123}
124
125/*===========================================================*/
126/* HOMEPAGE HERO STYLES */
127/*===========================================================*/
128
129/*.home .page-bg.full-screen, */
130/*.home .overlay, */
131/*.home .bg {*/
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133/*}*/
134
135/*.home .page-bg.full-screen {*/
136/*    min-height: 60vh !important;*/
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138/*}*/
139
140/*.home .header-push {*/
141/*  display: none;*/
142/*}*/
143
144/*.home .page-bg .overlay .container {*/
145/*    margin-top: -10rem;*/
146/*}*/
147
148/*.home .page-bg .overlay::before {*/
149/*   height: calc(50vh - 10rem);*/
150/*}*/
151
152
153/* BLOCKQUOTE STUFF   */
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188
189.overlapped-left h2 {
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192
193.overlapped-left p {
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202    background-size: cover;
203}
204
205/* -- OHANA DEFINITION -- */
206.callout-box {
207  background: #ff592e;
208  width: 100%;
209  color: #ffffff;
210  padding: 3rem;
211}
212
213.callout-box h1 {
214  color: #ffffff;
215}
216
217.callout::before {
218  background: rgba(33, 150, 243, 0.12);
219}
220
221/* --- ADDING BACKGROUND TO CARDS BUT NO SHADOW --- */
222.card-noshadow {
223  background: #ffffff;
224}
225
226/* --- ADDING PICTURES WITH GRAPHICS OVERLAID --- */
227.icon-top-right {
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229  top: 13rem;
230  right: -3.5rem;
231  z-index: 2;
232  transform: scaleX(-1);
233  filter: drop-shadow(-2px 6px 33px -5px rgba(0,0,0,0.75));
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237.icon-bottom-left {
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261.card-icon-overlap .icon-overlay-bottom {
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264  right: -2.5rem;
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266  transform: rotate(-20deg);
267  filter: drop-shadow(5px 5px 3px #D3D3D3);
268  margin: 0 0 -5em auto;
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270
271/* --- CALL TO ACTION STYLES --- */
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273  border: 2px solid #00a0e8;
274  padding: .25em;
275  background: #fff;
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277
278.callout.flush-bottom::before {
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283.cta-card-content {
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285  padding: 3em 3em 1em 3em;
286  background: #ffffff;
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288}
289
290.cta-card img {
291  position: relative;
292  top: -5em;
293  margin: 0 0 -5em 0;
294  filter: drop-shadow(5px 5px 5px #D3D3D3);
295}
296
297.cta-card-content h2 {
298  color: #00a0e8;
299  margin-bottom: 1em;
300}
301
302.cta-card-content h1 {
303  font-size: 2em;
304}
305
306.card {
307  background: #ffffff;
308  border: 2px solid #00a0e8;
309  border-radius: 1em;
310  padding: 1.25em;
311  box-shadow: 0px 17px 28px -25px rgb(72, 74, 70);
312  height: 100%;
313}
314
315.card a {
316  color: #00a0e8;
317}
318
319.callout h1,
320.callout h2,
321.callout h3,
322.callout p,
323.callout li {
324  color: #00a0e8;
325}
326
327/* ====== ACCORDION STYLES =======*/
328
329.accordion {
330position: relative;
331display: block;
332}
333
334.accordion .toggle-accordion {
335width: 100%;
336border-bottom: 1px solid #eaeaea;
337background: rgba(185, 229, 249, 0.46);
338padding: .5em 1em;
339border-left: 3px solid #2196f3;
340color: #2c3e50;
341display: block;
342}
343
344.toggle-accordion p {
345margin: 0;
346color: #00a0e8;
347}
348
349.accordion-content {
350padding: 1em;
351color: #F44336;
352background: rgba(158, 158, 158, 0.03);
353}
354
355
356/* ACCORDION HOVER EFFECTS */
357
358.toggle-accordion:hover p,
359.toggle-accordion:hover::before {
360font-weight: bold;
361color: #00a0e8;
362}
363
364.toggle-accordion:hover {
365  border-color: #00a0e8;
366}
367
368.toggle-accordion.open::before {
369-ms-transform: rotate(90deg);
370-webkit-transform: rotate(90deg);
371transform: rotate(90deg);
372}
373
374.toggle-accordion::before {
375content: '\f054';
376color: #b9e5f9;
377font-family: "Font Awesome 5 Free";
378font-size: 1em;
379font-weight: 900;
380position: absolute;
381right: 1rem;
382transition: transform 200ms, opacity 200ms;
383background: none;
384width: auto;
385left: unset;
386}
387
388.accordion a::after,
389.accordion a:hover::after {
390background: none;
391}
392
393/* --- MEMBER BIO ACCORDIONS --- */
394.member-content .toggle-accordion {
395  width: 100%;
396  border-bottom: 1px solid #eaeaea;
397  background: #ffffff;
398  padding: .5em 1em;
399  border-left: 3px solid #ff592e;
400  display: block;
401}
402
403.member-content .accordion .toggle-accordion:hover {
404padding-left: 1.5em;
405}
406
407/*-------- PILLARS ACCORDIONS --------*/
408
409.accordion.pillars-accordion {
410position: relative;
411background: #ffffff;
412border: 2px solid #00a0e8;
413border-radius: 1em;
414padding: 1.25em;
415height: 100%;
416}
417.accordion .toggle-accordion {
418width: 100%;
419}
420
421.pillars-accordion .toggle-accordion {
422  border: none;
423}
424
425.pillars-accordion .toggle-accordion::before {
426  content: none;
427}
428
429.accordion-content {
430padding: 1em;
431}
432
433/* ACCORDION HOVER EFFECTS */
434
435.pillars-accordion:hover {
436transform: translateY(-5px);
437transition: .25s;
438}
439
440.accordion a::after,
441.accordion a:hover::after {
442background: none;
443}
444
445/*---- PROCESS PAGE ----*/
446
447.process-content .process-img {
448    background: #fafafa;
449    padding: 10% 0;
450    border-radius: .5em;
451    height: 100%;
452    box-shadow: 3px 3px 10px rgba(33, 150, 243, 0.17);
453}
454
455.guides hr {
456    margin: -1em 50%;
457    padding: 0;
458    border: 1px solid #DCDCDC;
459}
460
461/* ====== FOOTER STYLES =======*/
462footer {
463padding: 0 0 40px 0 !important;
464}
465
466
467footer .callout {
468    margin: 0 0 1.25em 0;
469}
470
471.footer .callout::before {
472background: #ff592e;
473}
474
475.footer .callout h3 {
476color: white;
477}
478
479.footer .callout p {
480color: white;
481}
482
483
484footer ul {
485  padding: 0;
486  margin: 0;
487}
488
489footer ul li {
490  list-style-type: none;
491}
492
493footer .modal-overlay h1 {
494  color: #f44336;
495}
496
497.footer-content .form-control {
498  background: rgba(158, 158, 158, 0.13);
499}
500
501@media (min-width: 820px) {
502  .overlay-content {
503    position: fixed;
504    top: 10%;
505    left: 10%;
506    width: 80%;
507    height: 80%;
508    box-shadow: 0 0 7px rgba(0,0,0,0.4);
509  }
510}
511
512@media (min-width:800px) {
513  #posts-list {
514  width:70%;
515}
516.blogsidebar {
517  float:right;
518  width:25%;
519
520}
521}
522@media (max-width:800px) {
523/* .home .page-bg.full-screen, */
524/*.home .overlay, */
525/*.home .bg {*/
526/*    max-height: 100vh !important;*/
527/*}*/
528
529/*.home .page-bg.full-screen {*/
530/*    min-height: 100vh !important;*/
531/*    height: auto;*/
532/*}*/
533
534/*.home .header-push {*/
535/*  display: none;*/
536/*}*/
537
538/*.home .page-bg .overlay .container {*/
539/*    margin-top: -10rem;*/
540/*}*/
541
542/*.home .page-bg .overlay::before {*/
543/*   height: calc(100vhvh - 10rem);*/
544/*}*/
545/*  .home .fr-wrapper{*/
546/*    margin-top:10rem;*/
547/*  }*/
548/*  .mobile_fix{*/
549/*    display:unset;*/
550/*  }*/
551/*}*/
552.map-responsive{
553    overflow:hidden;
554    padding-bottom:56.25%;
555    position:relative;
556    height:0;
557}
558.map-responsive iframe{
559    left:0;
560    top:0;
561    height:100%;
562    width:100%;
563    position:absolute;
564}
565
566
567.footer-content .form-control{
568  color:black;}
569  
570  .footer-content .form-control::placeholder {
571  color: black;
572}
573}
574/* accordion dashboard styles */
575.editable .toggle-accordion {
576  pointer-events:none;
577}
578.editable .accordion-content {
579  position:relative;
580  display:block;
581  border: dashed 2px #aaa;
582  margin:1rem auto;
583}
584.editable .accordion-content::before  {
585  content: 'Accordion Content';
586    display: block;
587    position: absolute;
588    bottom: 100%;
589    left: -1px;
590    background: #333;
591    color: white;
592    font-size: 9px;
593    text-transform: uppercase;
594    font-weight: 600;
595    padding: .5em 1em;
596    border-radius: 4px;
597    border-bottom-left-radius: 0;
598    border-bottom-right-radius: 0;
599    opacity:.7;
600} 
601
602
603/* end accordion dashboard styles */
604</style>
605
606<!-- FONT AWESOME -->
607<link rel="stylesheet" href="https://use.fontawesome.com/releases/v5.5.0/css/all.css" integrity="sha384-B4dIYHKNBt8Bc12p+WXckhzcICo0wtJAoU8YZTY5qE0Id1GSseTk6S+L3BlXeVIU" crossorigin="anonymous">
608
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611
612
613
614</head>
615
616<body class="blog-page blog has-bg">
617<svg style="position: absolute; width: 0; height: 0; overflow: hidden;" version="1.1"
618xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink">
619<defs>
620<symbol id="icon-facebook" viewBox="0 0 24 24">
621<title>facebook</title>
622<path
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624</path>
625</symbol>
626<symbol id="icon-twitter" viewBox="0 0 24 24">
627<title>twitter</title>
628<path
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631</symbol>
632<symbol id="icon-instagram" viewBox="0 0 24 24">
633<title>instagram</title>
634<path
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639</path>
640<circle cx="15.1" cy="8.7" r="0.8"></circle>
641</symbol>
642<symbol id="icon-linkedin" viewBox="0 0 24 24">
643<title>linkedin</title>
644<path
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646</path>
647</symbol>
648<symbol id="icon-google" viewBox="0 0 24 24">
649<title>google</title>
650<path
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653</symbol>
654<symbol id="icon-youtube" viewBox="0 0 24 24">
655<title>youtube</title>
656<path
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658</path>
659</symbol>
660<symbol id="icon-vimeo" viewBox="0 0 24 24">
661<title>vimeo</title>
662<path
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664</path>
665</symbol>
666<symbol id="icon-tumblr" viewBox="0 0 24 24">
667<title>tumblr</title>
668<path
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670</path>
671</symbol>
672<symbol id="icon-yelp" viewBox="0 0 24 24">
673<title>yelp</title>
674<path
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676</path>
677</symbol>
678<symbol id="icon-rss" viewBox="0 0 24 24">
679<title>rss</title>
680<path
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682</path>
683</symbol>
684<symbol id="icon-email" viewBox="0 0 24 24">
685<title>email</title>
686<path
687d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0Zm5.964,8.063L12.2,12.871a0.419,0.419,0,0,1-.391,0L6.036,8.063H17.964ZM5.2,8.724l4.084,3.4L5.2,15.293V8.724Zm0.87,7.213L10.1,12.8l1.044,0.866a1.341,1.341,0,0,0,1.718,0L13.9,12.8l4.027,3.133H6.07Zm12.73-.644-4.084-3.17,4.084-3.4v6.569Z">
688</path>
689</symbol>
690<symbol id="icon-podcast" viewBox="0 0 24 24">
691<title>podcast</title>
692<path
693d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0ZM10.1,7.9a1.9,1.9,0,0,1,3.793,0v3.793a1.9,1.9,0,1,1-3.793,0V7.9Zm2.519,8.03V18H11.378V15.926a4.386,4.386,0,0,1-3.793-4.237H8.652A3.281,3.281,0,0,0,12,14.918a3.281,3.281,0,0,0,3.348-3.229h1.066A4.386,4.386,0,0,1,12.622,15.926Z">
694</path>
695</symbol>
696<symbol id="icon-phone" viewBox="0 0 24 24">
697<title>phone</title>
698<path
699d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0Zm6,15.47a.58.58,0,0,1-.178.509l-1.69,1.678a.968.968,0,0,1-.3.216,1.251,1.251,0,0,1-.362.114c-.009,0-.034,0-.077.007s-.1.006-.165.006a5.653,5.653,0,0,1-2.1-.489,11.2,11.2,0,0,1-1.773-.973,13.188,13.188,0,0,1-2.11-1.78,13.977,13.977,0,0,1-1.475-1.677A12.061,12.061,0,0,1,6.824,11.6a7.983,7.983,0,0,1-.533-1.233,6.473,6.473,0,0,1-.242-.954A3.217,3.217,0,0,1,6,8.784c.009-.153.013-.237.013-.254a1.247,1.247,0,0,1,.114-.363.967.967,0,0,1,.216-.3L8.032,6.178A.559.559,0,0,1,8.439,6a.475.475,0,0,1,.292.095.872.872,0,0,1,.216.236l1.361,2.58a.62.62,0,0,1,.063.445.794.794,0,0,1-.216.407l-.623.623a.2.2,0,0,0-.044.082.3.3,0,0,0-.019.1,2.282,2.282,0,0,0,.228.61,5.635,5.635,0,0,0,.471.743,8.171,8.171,0,0,0,.9,1.011,8.494,8.494,0,0,0,1.01
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700</path>
701</symbol>
702<symbol id="icon-blog" viewBox="0 0 24 24">
703<title>blog</title>
704<path
705d="M12,0A12,12,0,1,0,24,12,12,12,0,0,0,12,0ZM9.083,17H7V14.917l6.146-6.146,2.083,2.083Zm7.76-7.76-1.016,1.016L13.745,8.172,14.76,7.156a0.566,0.566,0,0,1,.781,0l1.3,1.3A0.566,0.566,0,0,1,16.844,9.24Z" />
706</symbol>
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708<title>search</title>
709<path
710d="M17.611,15.843a9.859,9.859,0,1,0-1.769,1.769l6.379,6.379,1.769-1.769ZM9.836,17.17A7.334,7.334,0,1,1,17.17,9.836,7.342,7.342,0,0,1,9.836,17.17Z" />
711</symbol>
712<symbol id="icon-brokercheck" viewBox="0 0 100 100">
713<title>brokercheck</title>
714<path
715d="M67.057,60.029a2.968,2.968,0,0,0-4.2-.119,19.351,19.351,0,1,1,.8-27.341A2.968,2.968,0,1,0,67.976,28.5a25.288,25.288,0,1,0-1.038,35.728A2.968,2.968,0,0,0,67.057,60.029Z" />
716<path
717d="M47.714,32.506a0.654,0.654,0,0,0-.49-1.185,14.61,14.61,0,0,0-9.183,23.649,0.611,0.611,0,0,0,1.084-.506C37.286,46.088,39.185,37.392,47.714,32.506Z" />
718<path
719d="M63.814,69.544a0.906,0.906,0,0,0-1.222-.374l-3.7,1.965a0.9,0.9,0,1,0,.848,1.6l3.7-1.965A0.906,0.906,0,0,0,63.814,69.544Z" />
720<path
721d="M70.211,80.4l-3.455-6.5a3.1,3.1,0,1,0-5.47,2.909l3.455,6.5A3.1,3.1,0,0,0,70.211,80.4Zm-1.012,1.8a0.948,0.948,0,0,1-1.278-.391l-1.21-2.276a0.945,0.945,0,1,1,1.669-.887l1.21,2.276A0.948,0.948,0,0,1,69.2,82.209Z" />
722</symbol>
723<symbol id="icon-brokercheck-color" viewBox="0 0 100 100">
724<title>brokercheck</title>
725<path
726d="M67.057,60.029a2.968,2.968,0,0,0-4.2-.119,19.351,19.351,0,1,1,.8-27.341A2.968,2.968,0,1,0,67.976,28.5a25.288,25.288,0,1,0-1.038,35.728A2.968,2.968,0,0,0,67.057,60.029Z"
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728<path
729d="M47.714,32.506a0.654,0.654,0,0,0-.49-1.185,14.61,14.61,0,0,0-9.183,23.649,0.611,0.611,0,0,0,1.084-.506C37.286,46.088,39.185,37.392,47.714,32.506Z"
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732d="M63.814,69.544a0.906,0.906,0,0,0-1.222-.374l-3.7,1.965a0.9,0.9,0,1,0,.848,1.6l3.7-1.965A0.906,0.906,0,0,0,63.814,69.544Z"
733fill="#CF3317" />
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735d="M70.211,80.4l-3.455-6.5a3.1,3.1,0,1,0-5.47,2.909l3.455,6.5A3.1,3.1,0,0,0,70.211,80.4Zm-1.012,1.8a0.948,0.948,0,0,1-1.278-.391l-1.21-2.276a0.945,0.945,0,1,1,1.669-.887l1.21,2.276A0.948,0.948,0,0,1,69.2,82.209Z"
736fill="#CF3317" />
737</symbol>
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1190<h3>2026 Tax Law Changes</h3>
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1194
1195<time datetime="2026-09-15">September 15, 2026</time>
1196
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1201<p>The One Big Beautiful Bill Act introduced sweeping changes to individual, family, and business tax rules — some permanent, some temporary. Here&#39;s what you need to know before taking action.</p>
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1215<h3>Saving Early &amp; Letting Time Work for You</h3>
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1217</a>
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1219
1220<time datetime="2026-06-11">June 11, 2026</time>
1221
1222
1223</div>
1224
1225<div class="post-excerpt">
1226<p>Discover why starting early is often more powerful than saving more. This article uses a side-by-side comparison of two hypothetical savers to illustrate the remarkable impact of compound growth over time.</p>
1227</div>
1228
1229<a href="/blog/saving-early-and-letting-time-work-for-you" class="read-more"><span></span>Read More</a>
1230</article>
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1233<a href="/blog/first-year-of-retirement-what-to-expect">
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1240<h3>First Year of Retirement: What to Expect</h3>
1241</header>
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1244
1245<time datetime="2026-04-17">April 17, 2026</time>
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1247
1248</div>
1249
1250<div class="post-excerpt">
1251<p>Understand the key financial and lifestyle shifts that happen in your first year of retirement.</p>
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1253
1254<a href="/blog/first-year-of-retirement-what-to-expect" class="read-more"><span></span>Read More</a>
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1259
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1263
1264<header class="post-header">
1265<h3>A Path to Serenity and Smart Money Choices</h3>
1266</header>
1267</a>
1268<div class="post-meta">
1269
1270<time datetime="2026-03-17">March 17, 2026</time>
1271
1272
1273</div>
1274
1275<div class="post-excerpt">
1276<p>Financial stress can affect both mental and physical health. This article explores how mindfulness and meditation may help individuals manage financial anxiety, improve focus, and approach money decisions with greater clarity and intention.</p>
1277</div>
1278
1279<a href="/blog/a-path-to-serenity-and-smart-money-choices" class="read-more"><span></span>Read More</a>
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1283<a href="/blog/does-the-4-rule-hold-up">
1284
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1286<img src="https://static.twentyoverten.com/content/featured/featured_doesthe4percentruleholdup.jpg" alt="Does the 4% Rule Hold Up? Thumbnail">
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1288
1289<header class="post-header">
1290<h3>Does the 4% Rule Hold Up?</h3>
1291</header>
1292</a>
1293<div class="post-meta">
1294
1295<time datetime="2026-02-05">February 5, 2026</time>
1296
1297
1298</div>
1299
1300<div class="post-excerpt">
1301<p>This blog is about the 4% rule, including what it is and whether it&#39;s a good strategy for retirement income planning.</p>
1302</div>
1303
1304<a href="/blog/does-the-4-rule-hold-up" class="read-more"><span></span>Read More</a>
1305</article>
1306
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1308<a href="/blog/investment-strategy-where-you-are-now-vs-where-youre-headed">
1309
1310<figure class="post-thumbnail">
1311<img src="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/R3ZmzGV5dMcN/Untitled-design.png" alt="Investment Strategy: Where You Are Now vs. Where You&#39;re Headed Thumbnail">
1312</figure>
1313
1314<header class="post-header">
1315<h3>Investment Strategy: Where You Are Now vs. Where You&#39;re Headed</h3>
1316</header>
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1319
1320<time datetime="2026-01-21">January 21, 2026</time>
1321
1322
1323</div>
1324
1325<div class="post-excerpt">
1326<p>No matter if you’re working with a financial professional or attempting to manage your portfolio on your own, a thorough analysis should be a part of your long-term investment strategy.</p>
1327</div>
1328
1329<a href="/blog/investment-strategy-where-you-are-now-vs-where-youre-headed" class="read-more"><span></span>Read More</a>
1330</article>
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1333<a href="/blog/monthly-market-insights-or-december-2025">
1334
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1339<header class="post-header">
1340<h3>Monthly Market Insights | December 2025</h3>
1341</header>
1342</a>
1343<div class="post-meta">
1344
1345<time datetime="2025-12-18">December 18, 2025</time>
1346
1347
1348</div>
1349
1350<div class="post-excerpt">
1351<p>A timely commentary paired with an engaging video make the Monthly Market Insights one of our most-anticipated pieces each month.</p>
1352</div>
1353
1354<a href="/blog/monthly-market-insights-or-december-2025" class="read-more"><span></span>Read More</a>
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1358<a href="/blog/what-will-you-do-with-your-bonus-or-windfall">
1359
1360<figure class="post-thumbnail">
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1365<h3>What Will You Do With Your Bonus or Windfall?</h3>
1366</header>
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1368<div class="post-meta">
1369
1370<time datetime="2025-11-19">November 19, 2025</time>
1371
1372
1373</div>
1374
1375<div class="post-excerpt">
1376<p>This article examines one&#39;s options when receiving a work bonus or other financial windfalls.</p>
1377</div>
1378
1379<a href="/blog/what-will-you-do-with-your-bonus-or-windfall" class="read-more"><span></span>Read More</a>
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1545<h3 dir="ltr" style="text-align: center;">Ohana Wealth &amp; Life Planning</h3>
1546
1547<p style="text-align: center;">212 East Third Street
1548<br>&nbsp;Suite 100
1549<br>Cincinnati, OH 45202</p>
1550
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1552<br>
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1581<h4>OUR SERVICES</h4>
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1611</p><p class="disclaimer" style="text-align: center;">Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed here. &nbsp;The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of the information provided at these websites.</p><p class="disclaimer" style="text-align: center;"><a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/wFngIqfa_ymR/20260316-QCCM_Ohana-Form-CRSdocx.pdf" rel="noopener noreferrer" target="_blank">Client Relationship Summary</a> | &nbsp;<a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/UyhLZZbIpMLN/Ohana-Privacy-Policy-2026.pdf" rel="noopener noreferrer" target="_blank">Privacy Policy</a> | &nbsp;<a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/hR2x8DrbDHdy/20260316-Ohana-ADV-Part-2A-and-2B-Firm-Brochure.pdf" target="_blank" rel="noopener noreferrer"></a><a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/hR2x8DrbDHdy/20260316-Ohana-ADV-Part-2A-and-2B-Firm-Brochure.pdf" target="_blank" rel="noopener noreferrer"></a><a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/cexwt-mvluC/OHANA-ADV-PART-2A-2025.pdf" rel="noopener noreferrer" target="_blank">ADV Part 2A</a>&nbsp;, 2B | <a href="https://static.twentyoverten.com/5d5ab25ebdf155280d0cd8ec/EEJ_3jHvM3/Website-Disclosure.pdf" rel="noopener noreferrer" target="_blank">Disclosure Statement</a></p>
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