Local, independent advisors · Serving O‘ahu since 2005
Coverage decisions shouldn’t be made in isolation.
Health insurance, Medicare, life insurance, retirement and long-term care are connected pieces of one picture. We start with education — what you have, what you may be missing, and where the quiet gaps hide. Only then do we talk about solutions.
I’m on or nearing MedicareI’m under 65
- No cost to you
- Independent & local
- 20+ years on O‘ahu
Independent and locally owned — we compare plans across Hawai‘i’s major carriers
- HMSA Akamai Advantage
- Kaiser Permanente
- UnitedHealthcare / AARP
- Humana
- AlohaCare
- Wellcare
Where to start
Pick the conversation that fits you
Each of these goes to a short form and a real advisor — not a call centre. If none of them is quite right, just call or write.
Medicare
Turning 65, new to Medicare, or want your current plan checked against your doctors and prescriptions.
Medicare help →Under-65 health
Self-employed, between jobs, aging off a parent’s plan, or paying too much for employer coverage.
Get a quote →Long-term care
The cost most people plan for last. Extended care, home health, cancer coverage and prescription help.
Understand your options →Life & retirement
Life insurance, final expense, annuities, guaranteed income and Social Security timing.
Plan ahead →Why work with us
A local team, not a call centre
Local and independent
We’re O‘ahu-based and work for you, not the carriers. We know Hawai‘i’s plans, its provider networks and its cost-of-living realities.
No cost to you
Our advisors are paid by the carriers, so our time, comparisons and ongoing help are always free. That never changes based on what you choose.
Education before products
We explain trade-offs honestly — including when the right answer is to change nothing at all. Plenty of reviews end with us saying keep what you have.
Year-round, not just at enrollment
Your advisor is your point of contact all year and reviews your plan every fall. We’re here for the follow-up conversation, not only the first one.
How it works
Three steps, no pressure
- 1
Reach out
Call, or fill in the form on whichever page matches your situation. Tell us a little about your coverage, your doctors and your medications.
- 2
Get a personalised review
Your advisor compares your options across Hawai‘i’s carriers and explains them in plain, everyday language — including the trade-offs.
- 3
Decide with confidence
Choose what fits your health and your budget. We handle the paperwork and check back every year as things change.
Meet the team
Six local advisors, licensed in Hawai‘i
Independent and O‘ahu-based. Each advisor brings different specialties and languages, so you can work with someone who understands your situation — and you can ask for them by name.
Kalei
Lance
Derek
Stephanie
Glenn
Travis
Not sure whether your coverage has gaps?
That’s a completely normal place to start. A short conversation can help you see the full picture — clearly, honestly and without pressure.