Investing in Your Financial Future

Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volatility or unsure which accounts will be most tax-advantaged*. Whether you’re just starting out with investing or are an experienced investor looking to fine-tune your goals, creating and staying on an investing plan can help you reach your future financial goals.

Our experienced Financial Professionals are here to help you understand your options and build you a financial plan.

Evaluate Your Financial Needs

Investing in stocks, bonds, mutual funds and other investment vehicles is a great way to build long-term financial growth. Almost everyone can benefit from some type of financial investment. Your first step to creating a well-rounded investment plan is to evaluate your needs.

Consider why you want to invest, such as:

• Wealth Building: Also known as general investment planning, wealth building is one of the more common reasons people invest their money. This type of investing usually focuses on your risk tolerance to maximize returns.

• Education: Saving for your keiki’s future early makes it more affordable when they’re ready for school. Investing for education often has a shorter timeline than other types of investing. The sooner you start, the more time your money has to grow for your keiki’s future.

• Retirement: After spending most of your life working hard in your career, it only makes sense to want a financial cushion in retirement. The high cost of living can make retirement planning more difficult in Hawaii. Like education planning, it’s recommended to start investing for retirement sooner to better your chance of reaching your financial goals.

Types of Investment Planning

One way to help reach your long-term financial goals is to work with our experienced Financial Professionals. Your Financial Professional can help you pursue your future financial needs with investment planning, including:

Wealth Planning
Growing your wealth over time is an important step toward financial wellness. A general investment plan includes setting investment goals, identifying your risk tolerance and choosing the right investment accounts. Your financial professional will explore your current and future financial needs, along with assessing your risk preferences to set realistic investing goals.

Education Planning*
It’s never too early to start saving for college or other education costs. As the price for higher education increases, investing when your keiki is young can help to cover the cost of education. We’ll work with you to create a plan to save using tax-advantaged accounts that can help you maximize your education savings.

Retirement Planning
Retirement is one of the most popular investment plans. Together we can determine how much you’ll need to save for retirement so that you can maintain your quality of life and current lifestyle. We’ll look at all of your retirement savings options, including work accounts like a 401(k) and individual accounts like IRAs to set you up for financial success.

Benefits of Working with a Financial Professional

Working with our Financial Professionals can help you reach your financial goals. They serve as your go-to person for investment planning and financial advice. They can also answer your financial questions and will help you develop an investment plan to give you a better chance of meeting your long-term financial needs.

When you work with a Financial Professional, you’re getting more than just short-term financial advice. Your consultant can help you:

• Create Your Investment Plan: We’ll help you identify long-term financial goals, find the right accounts and build an investment plan based on your needs.

• Focus on the Long-Term: It’s easy to get caught up in short-term money goals, but your Financial Professional can help you focus on sticking to your plan for long-term benefit.

• Navigate Uncertainty: The market is unpredictable and volatility is a big concern for many Hawaii investors. Your Financial Professional is here to help you navigate the current uncertainty — and any unexpected changes that could come in the future.

• Protect Your Assets and Loved Ones: Investment planning isn’t only about building wealth. You can also use it to create a safety net for your loved ones. Our Financial Professionals are here to help you find the accounts, investment types and other financial tools to help protect your long-term assets.

Our dedicated Financial Professionals have years of experience helping people navigate long-term financial challenges and prepare for the future. Make an appointment to talk with one of our advisors today.