The Kailua residents like to start their Sundays with coffee and pastries and a walk around Kapi'olani Park. They'll end the morning with a leisurely swim at Queen's Surf. In the afternoon, maybe they'll catch a matinee, sans popcorn or drinks. Total tab: About $16 — or less if they watch a movie at one of Kailua's discount movie theaters.

That's how they were able to accumulate assets of more than a half million dollars in 30 years, plus own a house in Kailua that's worth more than $700,000. Sue Stock, 54, is a vice principal at Kailua Intermediate, and together they pull in $87,000 a year.

But the Stocks don't know whether they'll have enough money to live on once they retire, since they've always handled their own finances. They were curious as to what advice they would get from a financial adviser.

"Our biggest concern is, we're approaching retirement. What can we do to make ourselves ready? Are we in good shape?" said Sue.

Moreover, 75 percent of their money is in cash or other stable but low-yielding investments. Alan, whom his wife lovingly calls "the money man," wants to earn a higher return but still maintain a conservative portfolio.

Once they retire, they're considering a move to the Mainland to be closer to their two children — one lives in Portland, the other in Massachusetts. If possible, they would like to own two condos, one in Hawai'i and the other in the Seattle area.

But they also have to consider Alan's ailing 74-year-old mother, who lives on her own. She might not be able or want to leave Hawai'i. They are thinking about buying a condominium and having his mother rent it from them.

The Stocks don't have any lingering credit-card debt, and their cars are paid off. The only thing they owe on is the mortgage, where payments are $2,500 a month. They bought the house 16 years ago and they just refinanced for 15 years.

"You get four stars for living within your means. It takes two," said Judith Slawsky, a certified financial planner in Honolulu. With couples, "a lot of times one's a spender and one's not. But you're both not."

Indeed, the Stocks live a relatively simple life, uncluttered by possessions. They travel, but mostly to visit family and friends. They expect to continue to travel moderately and inexpensively in retirement. Alan also likes to play golf.

As such, they don't expect needing a big monthly income in retirement, especially since health care and prescription drug needs would be covered by the state. Moreover, their aging parents don't need financial help.

Alan and Sue Stock Work: He's self-employed as an electronics distributor. She's a public school vice-principal. Annual income: $87,000. Savings: About $500,000. Other assets: A house in Kailua worth more than $700,000. Debt: Mortgage of about $250,000, no consumer debt. Goals: They want to make sure they have enough money for retirement. They would like to own a condo on the Mainland, to be closer to their children, and keep a residence in Hawai'i as well. They plan to travel moderately. Challenge: Reallocate their portfolio so they can earn a higher return on their money — and not run out of money midway into retirement. Start them on the path to proper estate planning to minimize taxes on their assets for their heirs.

(Slawsky isn't figuring in the equity they have in their home, since they'll either have to continue living there or buy another home.)

The solution is to boost their rate of return. Slawsky said a 6 percent return on their assets would turn into $1.16 million by the time Sue Stock hits 65. At 8 percent, the Stocks would end up with nearly $1.5 million in 11 years.

Slawsky recommends putting 70 percent in stocks and 30 percent in bonds or other fixed-income securities. The stocks portion would be divided into five pots, invested equally in small caps, mid-caps, large-cap growth, large-cap value and international. Fixed income would be divided among short-term, intermediate and long-term bonds.

The allocation should result in a return of 8 to 12 percent a year, she said. The stock allocation could be scaled back if the Stocks want to be more conservative, but they should expect a lower return.

"They need to let their nest egg grow a little bit more before they can live off it," the financial planner said.

Slawsky also recommended that they see an estate-planning attorney and execute two revocable living trusts — to minimize taxes on their assets once they die and give them more control on beneficiaries.

By their late 50s, the Stocks also should start looking into long-term care insurance, which would cover nursing-home costs. While most people won't need it until their late 60's, it's "exponentially" cheaper to buy the coverage when you're younger, Slawsky said.

The couple should also revisit their life-insurance coverage. Sue Stock only has $25,000 worth of coverage while her husband has $200,000. Slawsky recommends $200,000 to $400,000. The cost per month to boost Sue's coverage to $200,000 for 10 years — to cover her income until she retires — would be less than $50, she said.