A thought or two about the trip to Maui. Disclaimer I work in finance so while this is MOO its rooted in what I do everyday.
A while back one of our Hawaii posters made some comments about banks that were on Kauai and how there were only a select few, I am assuming this is probably true for financial institutions. So here are my thoughts what if they had to sign a document in person with a bank or financial institution, we have some forms that can not be signed online and have to have a "wet signature" (not electronic real life signature) these are mostly involved with moving money to third parties, transferring accounts, and changing ownership of accounts. I have not done any research on what financial instituions/banks are on Maui vs. Kauai was wondering if any of our lovely Hawaii experts have any insider knowledge on this?
Also if Charles was in the financial industry it would be most advantageous of him based on his income to contribute as much as he could through the household into IRA's and SEP plans to get the deduction. I wouldn't be surprised if Charles was max funding both he and Lori's IRA's/SEP's to get the tax deductions. Also LV is not of the age where she could take money out of her retirement account without being penalized another form that would most likely require an in-person signature.
All this is MOO