I think that's one reason some opt for appendix carry. The less you have to move your elbow to the rear, the easier on the shoulder joints.
Figure out where on your body the holster would be easiest to reach and draw from, and there is probably a holster made for that location. It may be you just need to move the holster forward a few inches to avoid the discomfort. If that spot is good for CCW, then a regular holster might be fine.
Small of the back is an option, too. Your elbow is to the side versus to the rear when drawing, so it's less twisty on the shoulder. Lots of articles out there on the evils of carrying there, but for some, it's the most comfortable place if your love handles are resting on a side holster. You'll need to get one set for the opposite direction of your side holster. Right handed draw needs a left-hand cant so the grip is to the right.
My daughter learned any style IWB holster was a pain for her, so she opted for a shoulder holster. Basically cross draw, and a light jacket or sweater makes concealing easy in Seattle.
That might not be feasible in Hawaii, but it could work if you wear a T-shirt under an unbuttoned aloha shirt.