Life & financial planning
Protecting the people and the income you’re responsible for.
Insurance and retirement planning are often handled by two different people who never talk to each other. That disconnect is exactly where gaps form — so we look at them together.
Start a conversationCall (808) 292-1084
- No cost to you
- Independent & local
- 20+ years on O‘ahu
What we help with
Life insurance
Term and permanent coverage sized to what your family would actually be short by — not to a round number.
Final expense
Smaller policies designed to cover end-of-life costs so the bill doesn’t land on the people you leave behind.
Annuities & guaranteed income
Fixed and fixed-indexed annuities, and how a guaranteed income floor changes what the rest of your portfolio has to do.
Social Security timing
When to claim is one of the largest financial decisions most people make, and it interacts with everything else on this page.
The “set it and forget it” trap
Life insurance and annuities bought decades ago may no longer reflect your current needs, family situation or health. A policy that made sense at 35 can leave real gaps at 65 — or, just as often, you may be paying for coverage you no longer need.
Bringing in your existing policies is the most useful thing you can do before this conversation. We will read them, tell you plainly what they do, and say so if the answer is that they are fine as they are.
A note on what we are and aren’t
We are licensed insurance agents, paid by the carriers. We are not tax advisers or attorneys, and nothing here is investment, tax or legal advice. For decisions that turn on your tax situation or your estate, we will tell you to bring in your CPA or your attorney — and we are happy to sit in that meeting with you.
Talk with an advisor
Tell us roughly what you’re weighing up and we’ll follow up within one business day.
Your information is used to prepare your comparison and to follow up with you. We never sell or share it.