Category: Date

January – February 2022

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The January – February 2022 issue of GM features Jessica Lani Rich, president of VASH – the Visitor Aloha Society of Hawaii, an organization that provides support – and comfort – to visitors who have been victims of crime and other adversity. We also feature stories in this issue about how massage is good for…
January – February 2022

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The January – February 2022 issue of GM features Jessica Lani Rich, president of VASH – the Visitor Aloha Society of Hawaii, an organization that provides support – and comfort – to visitors who have been victims of crime and other adversity. We also feature stories in this issue about how massage is good for…
March – April 2022

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The March-April 2022 issue of GENERATIONS MAGAZINE leads with a story about cancer in Hawaii and even though we live in paradise, we’re still susceptible to cancer in all its forms. You’ll also get some tips on navigating your first year in retirement, the benefits of again at home, and you’ll read some good news…
May – June 2022

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The May-June 2022 issue of GENERATIONS MAGAZINE features the story of philanthropist and pianist Ginny Tiu – a remarkable story of a child prodigy who went on to devote her life to humanitarian and animal welfare efforts. You’ll also read about protecting your pets after you’re gone and how is your estate going to be…
July – August 2022

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The July-August 2022 issue of GENERATIONS MAGAZINE features the story of Dr. William Won, one of Honolulu’s foremost brain surgeons – the first Hawaii-born Chinese-American neurosurgeon in the state. You’ll also read the heartfelt story of two women who seemingly fell in love at the wrong place and the wrong time. You’ll also read about…
September – October 2022

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The September-October 2022 issue of GENERATIONS MAGAZINE features three compelling stories about people who are in the business of caregiving and who have been caregivers themselves. We meet Kīhei resident Franny Durham who unknowingly serves as an inspiration to those around her through her. On Oahu, an all-women book club has been reviewing books and…
Define Your Legacy’s Intentions

According to the book, Preparing Heirs: Five Steps to a Successful Transition of Family Wealth and Values, “60 percent of transition failures were caused by a breakdown of communication and trust within the family unit.” With the aging demographic of baby boomers, the high cost of living in Hawai‘i and the increase in multigenerational homes, the potential influx in trust litigation is foreseeable. Where it is appropriate, I believe that encouraging clients to partake in difficult and potentially messy family discussions about their legacy and explaining “the why” behind their intentions is an integral part of preventing unwanted litigation. It may protect the overall health of the family. When willing clients feel the need for assistance in engaging in family discussions, a mediator may be effective in resolving any family disputes.

I also recommend that clients further solidify their intentions by writing them down as the foundation of their estate plan. Those creating a trust should prepare written guidance as to its underlying intentions. Having a well-defined estate plan will help give you and your family more peace of mind and promote harmony. But please make sure that when you are working with your estate planning attorney that your intentions are clearly defined. It can make all the difference.

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

According to the book, Preparing Heirs: Five Steps to a Successful Transition of Family Wealth and Values, “60 percent of transition failures were caused by a breakdown of communication and trust within the family unit.” With the aging demographic of baby boomers, the high cost of living in Hawai‘i and the increase in multigenerational homes,…
Ingredients for Cooking Up a Scam

In the dozen-plus years I have specialized in prosecuting elder financial fraud cases at the Prosecutor’s Office, it has become pretty easy for me to spot and disassemble how the majority of scams work. Like how a master chef can taste a dish and tell you the ingredients he tastes, I can smell a “business opportunity” or a get rich quick scheme and identify the individual parts of it that will reveal it to be an actual scam.

There are always certain ingredients present in a successful con. These elements, or red flags, of a scam can include anything from creating a sense of urgency in the victim, to playing on strong emotions, like fear or joy. The more of these elements present in the con, the more likely the con will be successful.

For example, the lottery scam (where you are told you won a prize but have to pay a fee to collect it or lose it) has a lot of these scam components. First, you are told you won a prize (getting something for nothing and the strong emotion of joy created). You have to keep the winning of the lottery a secret because of “reasons” (secrecy and isolating the victim from seeking advice). You have to pay taxes or a fee very soon before you collect your winnings (create a sense of urgency and the strong emotion of fear of losing your prize). You make a payment, only to be told there are more unexpected payments to be made (fear of losing out on your initial investment — you start chasing your money).

Once you recognize individual components of a deal, it becomes easier to realize when something may be actually a scam as opposed to a deal of a lifetime. The IRS is calling to say you are going to be arrested unless you pay them with a gift card immediately, or you receive a message from someone claiming to be a family member in peril in need of money, aka, the Grandma Scam (sense of urgency, creation of fear and isolating the victim from seeking good advice).

The one main ingredient that all cons seem to share is that the scam artist wants a person to make an emotional decision about money. If you find yourself about to take any action where you are about to give up anything of value and you are doing it in response to a strong emotion, stop, take a breath and see if you can smell any scam ingredients that may be present.

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

In the dozen-plus years I have specialized in prosecuting elder financial fraud cases at the Prosecutor’s Office, it has become pretty easy for me to spot and disassemble how the majority of scams work. Like how a master chef can taste a dish and tell you the ingredients he tastes, I can smell a “business…
Give While You Live

Kingdom Advisors founder Ron Blue takes an interesting approach to estate planning. He advocates lifetime giving as a way to assure that the objects of your bounty are worthy recipients of your wealth. This could play out in a couple of different ways.

Making gifts to your loved ones during your lifetime will enable you to see how your beneficiaries handle newfound wealth. This could be a great way to “test drive” your estate plan and determine how well it works while you are still able to make adjustments. If one beneficiary turns out to be a poor steward of your wealth, you can always direct assets to other beneficiaries upon your death.

The same principles apply to charitable gifts. Your favorite charity could turn out to be a poor manager of donated assets. It would be far better to find that out during your lifetime than to leave your loved ones regretting your philanthropic choices. If a charity does what you hope it will do with your gift, you can add to it upon your death. Not only that, but your gift may have far greater impact the sooner you make it.

As Ron Blue says, you should consider “giving while you’re living so you’re knowing where it’s going.” It’s sound advice for anyone who prefers to test the water before diving in head first.

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

Making gifts to your loved ones during your lifetime will enable you to see how your beneficiaries handle newfound wealth. This could be a great way to “test drive” your estate plan and determine how well it works while you are still able to make adjustments. If one beneficiary turns out to be a poor…
Demystifying Life Insurance

The COVID-19 pandemic reminded Americans how fragile life is. Applications for life insurance policies in the United States increased 4 percent in 2020, according to the MIB Life Index. If you’re thinking about purchasing life insurance coverage, here’s some basic information to help you make an informed decision.

Why you need it

Death can occur when we least expect it. Life insurance provides financial support for loved ones left behind after a death from illness, accident or natural causes. Dependents or other named beneficiaries receive the proceeds of the policy, which are intended to compensate for lost income.

Clearly, breadwinners should have life insurance to protect those who depend upon their income. But life insurance is also appropriate for others. A child with a life insurance policy is guaranteed coverage into adulthood, regardless of pre-existing health conditions. For families with young children, if a non-income-earning spouse pre-deceases the working spouse, life insurance proceeds can help cover the cost of childcare. Single people without dependents should consider purchasing a policy that covers funeral costs and any outstanding debts, so these responsibilities are not left to family members.

Types of life insurance

There are two main types of life insurance:

• Term life insurance — Term life insurance covers a set period of time, such as 10, 20 or 30 years. If the policyholder dies during the term of the policy, the named beneficiaries receive the death benefit. There is no residual benefit to this type of policy if the term expires and the policyholder is still living. All the money paid over the years of the term belongs to the life insurance company. On the plus side, term policies are less expensive than whole policies. Many workers choose a term policy during their working years to provide income protection to their dependents.

• Whole life insurance — Whole life insurance offers permanent, lifelong coverage. It does not end at a certain age. Once you have a whole life policy, the state of your health does not impact what you pay (whereas with a term policy, if you want to extend your coverage, your health and age determine how much more you pay each month and whether you even qualify for continued coverage). A portion of your whole life premium is invested and grows in a tax-deferred account, managed by the life insurance company, and accumulates what is called “cash value.”

Whole life is more expensive than a term life policy, but the policyholder retains the option to borrow money against the cash value or cash in the policy. High net worth individuals sometimes use this type of policy to offset estate taxes for their heirs. Families with a special needs child may prefer this type of policy for the guaranteed income it can provide. Others simply prefer whole life for the flexibility it offers as both an investment and life insurance product.

Get covered

Life insurance is an important aspect of a comprehensive overall financial plan. Your financial advisor can help you review your life insurance options and select a suitable level of coverage. Buying while you are young and healthy can help you lock in a more affordable rate.

MICHAEL W. K. YEE, CFP,® CFS,® CLTC, CRPC®
1585 Kapiolani Blvd., Ste. 1100, Honolulu, HI 96814
808-952-1222, ext. 1240 | michael.w.yee@ampf.com
https://www.ameripriseadvisors.com/michael.w.yee
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 36 years. Investment products are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Investment advisory products and services are made available through Ameriprise Financial Services LLC., a registered investment advisor.

Ameriprise Financial Services LLC. Member FINRA and SIPC.
© 2021 Ameriprise Financial Inc. All rights reserved.

The COVID-19 pandemic reminded Americans how fragile life is. Applications for life insurance policies in the United States increased 4 percent in 2020, according to the MIB Life Index. If you’re thinking about purchasing life insurance coverage, here’s some basic information to help you make an informed decision.
Are You Ready for Medicare?

Turning 65? Congratulations! You are now eligible for Medicare! But what do you do next? Firstly, it’s important to know that your Initial Enrollment Period or IEP begins three months before you turn 65 and ends three months after your 65th birthday. Secondly, you aren’t required to sign up for Medicare. However, if you enroll after your IEP, a Late Enrollment Penalty will be added to your monthly premiums for life. Lastly, you must sign up for Medicare with the Social Security Administration (SSA), a Hawaii SHIP (State Health Insurance Assistance Program) partner. SSA.gov provides instructions on how to enroll online for Original Medicare Part A (hospital insurance) and Part B (medical insurance). {Play}

Once you’ve enrolled, contact the Department of Health, Hawaii SHIP to schedule a one-on-one counseling session to find the best plan option that meets your healthcare needs. Our Medicare-certified counselors will walk you through your IEP. They will explain Parts A through D, the differences between Original Medicare and Medicare Advantage and how to avoid late enrollment penalties. You may also learn that you qualify for financial assistance to pay prescription drug costs, premiums, co-payments and coinsurances. Best of all, the service is free, unbiased and confidential.

HAWAII SHIP
Free, local, one-on-one Medicare counseling provided by the Hawai‘i State Health Insurance Assistance Program.
250 South Hotel St., Ste. 406, Honolulu, HI 96813
Oahu: 808-586-7299 | Toll free: 888-875-9229
www.hawaiiship.org

Turning 65? Congratulations! You are now eligible for Medicare! But what do you do next? Firstly, it’s important to know that your Initial Enrollment Period or IEP begins three months before you turn 65 and ends three months after your 65th birthday. Secondly, you aren’t required to sign up for Medicare.
Advance Designation

The Social Security Administration’s Advance Designation program allows you to pre-select a trusted individual if a time comes when you need a representative payee to help manage your money. Advance Designation enables you to identify up to three people, in priority order, who you would like to serve as your potential representative payee.

SSA recently celebrated the one-year anniversary of its Advanced Designation program. Since its launch in March 2020, more than one million eligible individuals have opted to participate.

You may choose an Advance Designation if you are capable of making your own decisions and are:

• An adult or emancipated minor applying for benefits and do not have a representative payee.
• An adult or emancipated minor beneficiary/recipient and do not have a representative payee.

You can submit your Advance Designation information when you:

• File a claim for benefits online at www.ssa.gov/benefits.
• Use the application available in your personal my SSA account at www.ssa.gov/myaccount.
• Call SSA directly.

In the event that you can no longer make your own decisions, you and your family will have peace of mind knowing you already chose someone you trust to manage your benefits.

800-772-1213 (TTY 800-325-0778) M–F, 8:30am–3:30pm
SSA Office Locator: www.socialsecurity.gov
Advance Designation FAQ: www.ssa.gov/faq (Other Topics)
Representative Payees Information: blog.ssa.gov

The Social Security Administration’s Advance Designation program allows you to pre-select a trusted individual if a time comes when you need a representative payee to help manage your money. Advance Designation enables you to identify up to three people, in priority order, who you would like to serve as your potential representative payee.