Category: Wisdoms

  • Retirement: Yesterday, Today and Tomorrow

    Planning for the Unknown

    Think about those planning retirement in 1991 —the year the World Wide Web (www.) was introduced. There was no Internet service in homes, few people had cell phones and many considered cable TV and health club memberships luxuries. Now, 20 years later, as those people prepare to retire, these items alone can take a considerable bite out of their budgets. Add escalating health care, gas and oil prices to the mix and the nest egg that seemed adequate may now fall short. We’ve also seen medical advancements over the past two decades that have allowed Americans to live longer, more active lives. While this is good news, it will also put additional strain on retirement budgets.Those planning retirement 20 years ago were also unaware of the realities facing Social Security today. It was an expectation that the program would fund a portion of most retirements. However, with the Congressional Budget Office reporting in January of 2011 that the program will run a $547 billion deficit over the next 10 years, Social Security’s future is uncertain.

    Preparing for the Future

    If we only could look into a crystal ball and see the future, planning for retirement in 20 or 30 years would be much easier. Unfortunately, we don’t have that luxury. Here’s what we can do:

    • Plan for new technologies. Odds are, progress will come with a price tag. Plan dollars in your retirement budget for items that will make the world operate faster and more efficiently.
    • Plan to live a long time. There is a good chance that you and your partner will live longer lives than the generation before you. With life expectancies on the rise, most financial advisors now recommend that clients plan for a 30-year retirement.
    • Plan for inflation. While increases in the cost of living have been modest for the past several years, that trend will likely end soon. Experts predict that an inflationary period may follow in an economic cycle like we are currently experiencing.
    • Plan to live without Social Security. With the government funded program spending more on benefits than it receives in revenue, its demise is almost certain unless the program is revamped. Planning retirement without Social Security will take the uncertainty out of your future.

    Taking matters into your own hands

    Having realistic expectations about future retirement income needs is the first step in securing your future. The next step is to take matters into your own hands and start saving for the day when work becomes optional. If the idea seems daunting, you don’t have to do it alone. Your financial advisor can help you develop a plan to reach your goals in retirement, and feel more confident along the way.
    Try to close your eyes and imagine what realities we’ll face 20 or 30 years from now. It’s fun to dream, but it’s also possible to turn those dreams into a realistic plan for the future if you start now.

    For more information, please contact Michael W. Yee at (808) 952-1240.

    It’s safe to say that your retirement will bear little resemblance to that of your grandparents—and even your parents. The world has changed so much in the past 20 years that even the savviest prognosticators couldn’t have predicted all changes in society and technology that have transformed our daily lives. We now know there is…

  • Sneaky Scams

    Work-at-home and make $500 dollars a day, lose 30 lbs. in one week, and the secrets of becoming financially secure for the price of shipping and handling all “risk free.”

    Hawai‘i’s Better Business Bureau (BBB) warns against offers that claim a “risk free” trial but takes your payment information up front. Many consumers allege that after providing credit card or banking information that they are bombarded with fees and other charges before the free trial is over. When attempts are made to contact the company to cancel the trial; phone calls, letters and emails are ignored and the consumer is facing charges totaling hundreds if not thousands of dollars.

    While there are offers that are absolutely free, with no cost or obligation, many of them have stipulations to which you need to pay attention. Hawai‘i’s BBB recommends that you:

    • Read all stipulations and fine print carefully
    • Make notes if you need to cancel within a certain amount of time
    • Write down the offer and save information like websites, phone numbers and other contact information you have for that offer and keep it near your computer or write it on a calendar.

    Hopefully, by doing your due diligence; there will be no unpleasant surprises when you receive your financial statements.

    For more information about topics affecting marketplace trust, visit www.bbb.org. {Play}

    Work-at-home and make $500 dollars a day, lose 30 lbs. in one week, and the secrets of becoming financially secure for the price of shipping and handling all “risk free.” Hawai‘i’s Better Business Bureau (BBB) warns against offers that claim a “risk free” trial but takes your payment information up front. Many consumers allege that…

  • Is a Bargain Estate Plan Really a Bargain?

    The attorney’s ad tells you that you can get a “comprehensive estate plan” for $800. Does that sound too good to be true? It may be. Before you rush in, here are some questions to ask. If you get positive answers to every question, then maybe you have a real bargain on your hands.

    1. Will the attorney (not a secretary or paralegal) sit down with you for as long as it takes to get a thorough understanding of your goals, and to educate you about alternative approaches? Most attorneys start to charge by the hour after the documents are signed. Find out how the attorney will charge if you have questions after your estate plan is established.

    2. Once you decide on a plan, what will be included? Your plan should probably include one or more trust agreements:
    • a pour-over will (for each spouse, if you are planning as a couple)
    • durable power(s) of attorney
    • advance health-care directive(s)
    • authorization(s) for your health providers to talk with your decision-makers and family members/loved ones
    • documents to transfer your assets into your trust(s): This last point is crucial. Your estate won’t work unless title to each of your assets is reviewed and transferred as appropriate.

    3. Is the attorney experienced in estate planning (not every attorney is good at every area of law), and does he or she have a good reputation? Visit www.martindale.com to find out how an attorney is regarded by his or her peers.

    4. Will you meet with a paralegal or an attorney when it comes time to sign your documents? You have the right to legal counsel at that time, which only a licensed attorney can give you.

    5. Are all costs included in the fee? Don’t be surprised by “add ons” for such things as recording fees, notary fees and photocopies.

    6. Will your estate plan include provisions to address the possibility of someone being disabled or incapacitated? And, will the attorney’s law firm be there to help when someone dies or becomes incapacitated?

    7. If you need to go to hospital locally or while traveling, will you have immediate access to your advance directive?

    8. Does the attorney have a program to make sure that your estate plan will be kept current? If not, it will be deficient within a year or two and it may do you and your loved ones more harm than good. One thing you can be sure of is that things will change: the law, your assets, your health, and maybe even your decision makers.

    9. Will working with this attorney give you the peace of mind of knowing you have done the best you can do by yourself and your loved ones? Too many estate plans fail because of the client’s lack of understanding, implementation (such as by making sure that assets that should be transferred into a revocable trust are actually transferred) and by lack of updating. There is no point in investing in an estate plan that you are not confident will work when the inevitable or unexpected happens, such as death, incapacity, divorce, or other events that will rob your loved ones of their inheritance.

    The attorney’s ad tells you that you can get a “comprehensive estate plan” for $800. Does that sound too good to be true? It may be. Before you rush in, here are some questions to ask. If you get positive answers to every question, then maybe you have a real bargain on your hands.

  • How to Avoid Charity Fraud

    It may be hard to believe, but during natural disasters such as hurricanes and earthquakes — and even the current COVID-19 pandemic — unscrupulous scammers set up fraudulent fundraising operations to take advantage of Good Samaritans who want to help.

    Charity fraud is committed when a perpetrator creates a bogus fundraising operation, aiming to take advantage of our sympathies, goodwill and generosity. Charity fraud may also occur when a legitimate charity represents that funds will be used for one particular purpose, but the money is used for other purposes. There are many worthy causes, so don’t let the possibility of fraud dissuade you from donating. Here are tips to help ensure your donations are put to good use.

    • Ask how your donation will be used. Make the caller be specific. If the answer is vague, be wary.
    • Check registration. Every charity that solicits contribution in Hawai‘i must register with the Tax and Charities Division of the Department of the Attorney General. Search the AG registered charities database at www.ag.hawaii.gov/tax.
    • Check the IRS website EO Select Check at www.irs.gov/charities-&-non-profits/exempt-organizations-select-check. Type in the charity name to see if its federal tax standing is valid.
    • You may also check other charity watchdogs, such as Charity Watch (www.charitywatch.org), Better the Business Bureau’s Wise Giving Alliance (www.give.org), Charity Navigator (www.charitynavigator.org) or GuideStar www.guidestar.org).An internet search is also advised.
    • Make sure you understand which organization is requesting your money. Some scammers use names that sound similar to legitimate charities.
    • Ask what percentage of your donation goes toward admini {Play}strative costs versus the program itself. The acceptable percentage is up to you. To check the charity’s financial reports, go to www.ag.hawaii.gov/tax.
    • Do not pay over the phone and scrutinize written material sent to you.
    • Pay by check or credit card; never cash.
    • Note that scammers can change their caller ID to make it appear as a local number.
    • Call the organization to verify the caller’s name and request. Despite these safeguards, if you feel that you have been the victim of a scam:
    • Call 9-1-1.
    • Call the Department of the Attorney General, Tax and Charities Division, at 808-586-1480 or email ATGCharities@hawaii.gov.
    • Call the Federal Bureau of Investigation at 808-566-4300.
    • File a report on the Federal Trade Commission website: www.ftc.gov/complaint.

    Follow these tips to help ensure your money is going to a worthwhile program.

    STATE OF HAWAI‘I DEPARTMENT OF THE ATTORNEY GENERAL, TAX AND CHARITIES DIVISION
    425 Queen St., Honolulu, HI 96813
    808-586-1480 | ATGCharities@hawaii.gov
    www.ag.ehawaii.gov

    It may be hard to believe, but during natural disasters such as hurricanes and earthquakes — and even the current COVID-19 pandemic — unscrupulous scammers set up fraudulent fundraising operations to take advantage of Good Samaritans who want to help.

  • Timeshares Pt. 2: Scam or Investment?

    It’s not uncommon to see advertisements promoting timeshares, as well as promotions for timeshare cancellation programs. The contradictory nature of these ads begs certain questions:

    What is a timeshare?

    Timeshares grant percentage ownership of a vacation unit for periods of time during the year. The ownership is shared with other clients who use the unit. Another way to stake an interest in a timeshare property is through the “lease” option, where the developer holds the title to the deed and the owner holds a leased interest in the property.

    How does it work?

    The way that a timeshare is sold in promotional campaigns makes it seem like a great investment. They have nice kiosks at Ala Moana Center and various exhibition halls. There are promises of cheaper vacations along with graphs seemingly showing a cost analysis of how it pays for itself and will only appreciate in value. Realize, however, that all the caveats, fees and associated, ongoing, allowable fee increase percentages will be in the middle of the dense, ironclad contract. By not mentioning these added costs with the same enthusiasm as they do the great views, the message to any prospective consumer is that this investment is doable and affordable.

    Why is there a market for timeshare cancellation programs?

    It is important to remember that there is no federal body of law or agency regulating the timeshare industry. The rule of law with regard to timeshares varies upon the location where a particular timeshare is purchased. Therefore, it cannot be stressed enough that those interested in purchasing a timeshare need to study and completely understand the sales contract before it is signed. The contract should state the withdrawal period of the purchase.

    In Hawai’i, this period is seven days. Getting out of a timeshare after the rescission period has passed can be extremely difficult and payment will still be required. However, if it is suggested that you stop making payments for the timeshare, it is important to know this will limit potential timeshare exit options.

    In the next issue, we will explore options for exiting your timeshare.

    If you suspect elder abuse, call these numbers:
    – Police: 911
    – Adult Protective Services: 808-832-5115
    – Elder Abuse Unit: 808-768-7536
    If you have questions about elder abuse, call or email:
    808-768-7536 | ElderAbuse@honolulu.gov

    It’s not uncommon to see advertisements promoting timeshares, as well as promotions for timeshare cancellation programs. The contradictory nature of these ads begs certain questions:..

  • Meaningful Estate Planning

    As with many issues, to those who know, no explanation is necessary. To those who don’t know, no explanation is sufficient.

    In medicine, there is cure and care; in finance, there is worth and value. In estate planning, there is wealth and meaning. Most people see the estate planner’s role as writing a document that transfers wealth at death. Just as significant is our role to communicate our client’s meaning clearly. This meaning is the foundation for estate planning.

    The vast majority of estate plan failures occur because there was not a clear transfer of meaning. Clients who know that meaning serves as the foundation of the plan need no explanation; but there is no sufficient explanation for those who view the plan merely as transferring of property. And that is OK, if that is truly what they want.

    Clients sometimes think that they start estate planning when they see the lawyer. But the estate planning process starts long before that as each person begins to fashion a life of meaning and accumulate wealth. The result of one’s life is revealed at death. If one dies well, they lived well, with meaning, and passed meaning on as the underlying foundation for wealth. This challenging time offers an opportunity for us to choose what matters to us — what is meaningful; what is not.

    STEPHEN B. YIM, ATTORNEY AT LAW
    2054 S. Beretania St., Honolulu, HI 96826
    808-524-0251 | www.stephenyimestateplanning.com

    In medicine, there is cure and care; in finance, there is worth and value. In estate planning, there is wealth and meaning. Most people see the estate planner’s role as writing a document that transfers wealth at death. Just as significant is our role to communicate our client’s meaning clearly. This meaning is the foundation…

  • Preparing for Death… Now

    If nothing else, recent events have brought us face-to-face with mortality. Although none of us knows when death will overtake us or a loved one, we know that someday it is going to do exactly that. We can deny the inevitable, or we can prepare for it. By preparing for death, we can make that transition much easier on ourselves and our loved ones.

    Talk with your family members about what you want done with your body after you pass, and find out what their wishes are for theirs. Keep notes of those conversations, since “the dullest pencil is sharper than the sharpest memory.”

    If you have specific wishes about who will be in charge of your funeral arrangements and what will be done, you can put these directives into a legally enforceable document. As long as the document is notarized, your wishes are lawful and your estate can pay the bill, your instructions will be carried out. Most estate planning attorneys can advise you about preparing your written “Directions for Disposition of Remains.” Let your loved ones know about your directions and keep a copy with your estate planning documents.

    Review your estate planning documents to make sure they reflect your current wishes. Your Advance Health-Care Directive sets out who can make what kinds of medical decisions (including end-of-life decisions) for you if you cannot speak for yourself, so it is particularly valuable for your peace of mind and your family’s harmony. Having a clear line of authority and clear instructions can alleviate family stress and conflict.

    You also need to make sure that the documents that dispose of your assets are clear and state your precise wishes. If there is a conflict between your documents and the words you say to your loved ones, the documents will control what happens. So it is important for you to understand what your documents say and update them if your wishes have changed.

    Doing these things can be uncomfortable, but they can also go a long way toward giving you peace of mind and helping your loved ones move forward in harmony and with sweet memories of you and your life.

    SCOTT MAKUAKANE, Counselor at Law
    Focusing exclusively on estate planning and trust law.
    www.est8planning.com
    808-587-8227 | maku@est8planning.com

    If nothing else, recent events have brought us face-to-face with mortality. Although none of us knows when death will overtake us or a loved one, we know that someday it is going to do exactly that. We can deny the inevitable, or we can prepare for it. By preparing for death, we can make that…

  • COVID-19 and The Market

    Historic market volatility has washed over the globe in recent weeks. The spread of COVID-19 (the disease caused by coronavirus) has precipitated a record drop in the stock market and a sharp plunge in bond yields, sending the U.S. into its first bear market in over a decade. People around the world are facing a health crisis that’s driving an economic crisis, which are leading to high levels of anxiety for families and individuals regarding their well-being and financial situation. Unfortunately, it’s too soon to tell just how long this environment will last. So, what can you do to cope with market volatility in the meantime? And what can we learn from past global pandemics?

    Virus Outbreaks and Stock Market Performance

    There is no doubt that this pandemic is different and has caused a larger dislocation than past virus outbreaks. However, it’s still encouraging to note how financial markets have historically rallied following major health crises. The S&P 500® Index reveals that markets have generally delivered positive returns in the six to 12 months following the peak of a virus outbreak.

    This isn’t to say that investors should stick their heads in the sand and pretend the downturn isn’t happening — this is a very serious and difficult situation. Eventually though, markets should return to some level of normal and slowly, the economy will come back to life. Of course, the past is no guarantee of future results, but historically, even the worst markets have been temporary dips in a general march higher for stocks.

    What you can do during this time of volatility:

    ■ Remember the power of diversification:
    Instead of selling your stocks in an attempt to cut losses, review your portfolio to see if it is properly balanced between stocks, bonds and cash that align with your goals, time horizon and ability to manage risk. While a diversified portfolio can’t guarantee profits or protect against all losses, it can greatly reduce the impact of volatility.

    ■ Stay focused on your long-term goals:
    Remember, your investment strategy is based on your goals, not headlines. While it’s important to be aware of the news related to COVID-19, particularly from a health perspective, don’t let your emotions affect your investing. Keep your  portfolio on a steady course. Volatile periods in the market can create good opportunities to either invest more or to adjust your portfolio. Ensure that any investment decisions you make are in line with your long-term interests and financial objectives.

    ■ Revisit your views on risk:
    A significant market downturn serves to remind you that investing involves risk. Market swings provide an opportunity to reassess your portfolio’s risk level and determine whether that amount is appropriate for your circumstances. The level of comfort (or discomfort) you feel when the market fluctuates substantially is a good way to assess whether your portfolio reflects your current risk profile.

    ■ Meet with a financial professional:
    If you are concerned about the recent performance of the markets, contact your financial advisor. Together, you can talk about your financial goals for the future and what steps you can take next to start on the path to achieving them.

    MICHAEL W. K. YEE, CFP
    1585 Kapiolani Blvd., Ste. 1100, Honolulu, HI 96814
    808-952-1222, ext. 1240 | michael.w.yee@ampf.com
    Michael W. K. Yee, CFP®, CFS®, CLTC, CRPC ® is a Private Wealth Advisor, Certified Financial Planner ™ practitioner with Ameriprise Financial Services Inc. in Honolulu, Hawai‘i. He specializes in fee-based financial planning and asset management strategies and has been in practice for 35 years. Investment advisory products and services are made available through Ameriprise

    Financial Services Inc., a registered investment advisor.
    Ameriprise Financial Services Inc. Member FINRA and SIPC.
    © 2020 Ameriprise Financial Inc. All rights reserved.

    Historic market volatility has washed over the globe in recent weeks. The spread of COVID-19 (the disease caused by coronavirus) has precipitated a record drop in the stock market and a sharp plunge in bond yields, sending the U.S. into its first bear market in over a decade. People around the world are facing a…

  • SCAMMER Red Flags

    How do you know that you are the target of a scam? Here are some red flags that you should be aware of:

    ♦ There is an air of urgency in the message. The scammer will claim that your reply and/or transaction must happen ASAP.
    ♦ They are adamant that you must send them your banking or identity details to get payment.
    ♦ They may instruct you to only use their escrow person for payment.
    ♦ They insist you must take a check and no other payment method will work.
    ♦ They offer to let you pay in gift cards.
    ♦ They want to send you a check for more than what is owed and have you remit the excess to someone else.
    ♦ They want you to send them money to enable them to send you even more money.
    ♦ You can’t find their company name, telephone number and/or email address on the internet.
    ♦ Their message contains very poor grammar and/or misspellings.

    A very good rule of thumb is always be skeptical. Before returning calls or replying to emails, verify the telephone number, email address and/or URL to ensure they are legitimate. Go online and see if there are any complaints or reports that their telephone number has been linked to scams. Spending a few moments before responding may prevent some serious heartbreaks in the future.

    THE DEPARTMENT OF THE PROSECUTING ATTORNEY
    1060 Richards St., Honolulu, HI 96813
    808-768-7400 | Office hrs: Mon – Fri, 7:45 am – 4:30 pm
    www.honoluluprosecutor.org/contact-us/

    How do you know that you are the target of a scam? Here are some red flags that you should be aware of…

  • Timeshares: Scams or Investments?

    My wife loves free things. When we go to any expo at the Hawaii Convention Center or the Blaisdell, she’ll be the one hoarding free pens and reusable bags. So, I should not have been surprised when she stopped at a table run by a hotel chain that was offering a free dinner, six hours of validated parking in Waikīkī and a two-night stay at a hotel. According to the salesman, all we had to do was review a hotel from pictures they would show us. The whole process would take only 120 minutes (not two hours?).

    While my wife politely listened to this young man, I pulled out my smart phone and Googled the hotel chain, and its free dinner and hotel stay offer. Instantly, warning posts and You Tube videos popped up about the unscrupulous sales tactics and confusing contracts used by this company when selling timeshares. But as the salesman tried repeatedly to get my wife to sign up for this “hotel review,” he never even mentioned “timeshare” once.

    When I asked him if this presentation involved any discussions about timeshares, he paused and said he didn’t actually do the presentation himself, so he couldn’t say for sure. When I asked if after the entire two-hour presentation we will get everything he promised, he corrected me: “It takes 120 minutes” — and there may actually be fees and taxes associated with the “free gifts.”

    I walked away from the table with my wife in tow. I later showed her everything I found out about this scheme and how the fees and taxes they charge on the “free gifts” equal the full value of the items. I told her they say “120 minutes” because they don’t count the time they spend introducing themselves and bringing in other salesmen to work on you, and the time they take for breaks. (Some people claim they found themselves at the “120-minute presentation” for over six hours).

    After this experience and phone calls I received at my office, I started paying more attention to how timeshares were being advertised. In the next few  articles, I will explain exactly what a timeshare is, why there are so many commercials for them, and why there are so many companies advertising their ability to help people get out of timeshare contracts. I’ll also cover some common timeshare scams and what warning signs to look out for.

    Please remember, there really is no such thing as a free lunch (or dinner and hotel stay).

    If you suspect elder abuse, call these numbers:
    – Police: 911
    – Adult Protective Services: 808-832-5115
    – Elder Abuse Unit: 808-768-7536

    If you have questions about elder abuse, call or email:
    808-768-7536 | ElderAbuse@honolulu.gov

    My wife loves free things. When we go to any expo at the Hawaii Convention Center or the Blaisdell, she’ll be the one hoarding free pens and reusable bags. So, I should not have been surprised when she stopped at a table run by a hotel chain that was offering a free dinner, six hours…

  • Siblingship

    Siblingship is the state of being related or interrelated, or a state of affairs existing between one of two or more individuals having one common parent. The term describes the unique, dynamic relationship existing between siblings. Siblings begin their relationship at a very young age. They experience joys and setbacks together — laugh and cry together. And through fighting, they can learn conflict resolution together. No other relationship is like siblingship.

    Sibling fights arise over property, so many parents aim to divide up their property fairly, in hopes that siblings will not fight. In my experience, this is not enough to avoid arguments.

    The estate planning process, if done properly, can do much to minimize the risk of fighting when parents die. However, many plans do not speak clearly enough in this respect. Leaving a family home or a heirloom “equally to the children” does not go far enough to help avoid family squabbles. Deciding what to do with the family home during a time of grieving puts too much pressure on the sibling relationship.

    Ultimately, the estate plan should mirror and reflect our lives and relationships. If your plan does not mirror and reflect your most important values, or does not speak clearly enough to ensure the preservation of the relationships am {Play}ong your children, I encourage you to review your plan with your estate planning attorney.

    STEPHEN B. YIM, ATTORNEY AT LAW
    2054 S. Beretania St., Honolulu, HI 96826
    808-524-0251 | www.stephenyimestateplanning.com

    Siblingship is the state of being related or interrelated, or a state of affairs existing between one of two or more individuals having one common parent. The term describes the unique, dynamic relationship existing between siblings. Siblings begin their relationship at a very young age. They experience joys and setbacks together — laugh and cry…

  • Options for Paying for Long-Term Care

    In life, we always have options. And when it comes to covering the costs of long-term care, it is no different. In this article, I’ll share a few viable strategies you can use to help cover the future costs of care in our Aloha State. It is by no means all-encompassing and exhaustive, but meant to get you thinking on this critically important topic.

    As a financial advisor, I believe more and more American’s understand the need for long-term care insurance (LTCi). And the first line of defense to ensuring quality long-term care is available when you need it is having a LTCi policy. But when it comes to providing long-term care, we are facing serious hurdles and dilemmas. First is the availability of LTCi. Twenty years ago, there were over 100 carriers providing LTCi. In 2020, there are less than 10 quality LTCi carriers. The fact that big players are withdrawing from the LTCi market is opening eyes and shaking things up. At my Honolulu practice, I also routinely see the difficulty of qualifying for LTCi coverage. Carriers have really tightened eligibility standards and constricted their underwriting requirements, especially for women.

    Notwithstanding, individuals who want LTCi coverage certainly have options. And there are LTCi strategies your financial advisor can help you with, from spousal benefit sharing to eliminating “riders” such as inflation protection, which can help keep premiums within your budget. At the same time, one needs to remember the proverbial price of paradise truly is applicable to long-term care costs, as well. On the high end of the long-term (or extended-care) scale, the cost is steep. I have recently heard estimates as high as $1 million to simply enter a coveted long-term care facility on the east side of O‘ahu. Some may say that is exorbitant and overpriced, but it is reality. On the least expensive side, the lowest hourly rate for care is about $26 per hour.

    When it comes to having LTCi options, the onus and responsibility for seeking out alternatives lies squarely on you. I encourage you to take the time to choose an advisor who is adept in this specialized area of planning. An expert well-versed in LTCi can help your family in more ways than one. When I conduct educational seminars on LTCi, my professional advice to participants is to get price quotes from several insurers.

    MUTUAL OF OMAHA
    1600 Kapiolani Blvd., Ste. 1200, Honolulu, HI 96814
    808-942-8133 | garrett.wheeler@mutualofomaha.com
    www.mwheeler.incomeforlifemodel.com
    FREE LTCi Seminar Workshop
    ʻĀina Haina Public Library, 5246 Kalanianaole Highway
    April 28, Tues., 5:30 pm
    May 2, Sat., 10:30 am
    RSVP: 808-377-2456

    In life, we always have options. And when it comes to covering the costs of long-term care, it is no different. In this article, I’ll share a few viable strategies you can use to help cover the future costs of care in our Aloha State. It is by no means all-encompassing and exhaustive, but meant…