The financial management process at John Hancock Financial Network-Honolulu begins with an in-depth evaluation of your current financial situation. Once we've established your overall objectives, we’ll focus on your specific financial goals.

With changing economic conditions and market swings, we advocate investing sensibly over the long run and maintaining an adequate level of insurance coverage. We work with you side by side so that you’re confident in and comfortable with the financial suggestions we make. 

Evaluate your financial future by answering the questions below:

Your Financial Future
	Do you feel you have a plan in place for a secure retirement?
	Will you be able to afford your child's higher education?
	Are you confident that you have the right amount of life insurance to help protect your family or business?
	Will you be able remain independent if you become disabled or critically ill?
	As a business owner, are you convinced that you have the right mix of benefits for your employees?
If you answered, "no" to any of these questions, contact a JHFN representative at (808)-979-3300 to help you create a strategy to meet your goals.

Protection

Universal Life Insurance

Traditional Life Insurance

Long-Term Care Insurance

Term Insurance

Survivorship Insurance

Variable Life Insurance

Retirement

Annuities

Investments

IRAs

401(k)

Business

Executive Compensation

Qualified/Non-Qualified Plans

Long-Term Care Insurance

COLI Products

Brokerage

Publicly Traded Stocks/Bonds

Limited Partnerships

Mutual Funds

College

529 College Savings Plans

Investments

A successful wealth management strategy is one that provides for you and your family today and preserves for future generations.  To achieve this success, a financial strategy must be comprehensive.  That's why we work with your attorney, trustee, accountant, and other professionals as necessary to create a customized strategy that considers your various wealth management needs.

Depending on your stage of life and types of concerns, your financial professional will help you find the appropriate solutions to issues like funding for education or retirement, tax planning¹, protecting your assets and your family, and organizing your estate. 

Wealth Accumulation

Portfolio Building - Through asset allocation², we can help develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories².  We'll take into account your risk tolerance, liquidity needs, as well as your short - and long - term goals.

College Funding - We can help you choose the right savings and investment vehicles, as well as appropriate plans available for financing an education. 

Retirement Planning - If you are planning for a secure retirement, we can help you evaluate your existing retirement plans: pensions, 401(k)s, IRAs, and annuities.  We can also help assess the tax consequences of your IRA Rollover and assist in implementing your decision¹. 

Wealth Protection

Survivorship Protection - We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.

Asset Protection - We can recommend ways to protect your hard - earned retirement savings and your independent lifestyle should you or your spouse need long term care.

Disability Income Insurance^* - Often overlooked is the need to protect one's current income stream and future earnings in the event of a disability.  We can help you protect your earnings from such an event. 

Long Term Care Insurance - We can help protect your assets from the rising costs of long term care that can affect your financial future and that of your loved ones. 

Wealth Distribution

Trust and Estate Planning - With an effective strategy, you can control your assets according to your wishes, consider taxes, reduce administrative costs, and ensure the effective management of your affairs should you become incapacitated¹.  You may also be interested in developing charitable or family gifting strategies to pass along your wealth.  Based on your individual situation, we can recommend techniques for approaching these challenges. 

Financial Solutions for You and Your Business

Working closely with your legal and tax advisors, we can help you reach your business and estate planning goals with solutions that will help to maximize your personal benefits, provide the benefits to help recruit and retain employees, protect against the loss of key employees, and create ownership succession strategies.  These solutions can help build your business and transfer wealth to future generations.  Once your customized plan is in place, we continue to support you by conducting ongoing reviews to ensure that the plan is on track. 

Retirement Planning - Qualified plans can help owners and employees build financial independence.  Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.

Executive Compensation Strategies - We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs.  These programs motivate key people with financial incentives that enhance employee retention. 

Employee Benefits - We can help you create the employee benefit package that's right for your business, including disability income insurance, long term care insurance, employee voluntary plans, and cafeteria plans.

Educational Services - We can conduct educational seminars for your employees on their retirement packages.  And as a value - added service, we offer educational seminars on a variety of financial topics.

Key Person Insurance - The death or disability of a key employee can create serious problems for a business.  We can help you protect against this loss.

Business Succession Planning - Our succession strategies can be tailored to your wealth transfer objectives.  We can provide life insurance and disability insurance funding for a Buy - Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, become disabled, or sells.

For family business owners, we identify alternative strategies to equalize estate assets among all children - whether they're active or inactive in the family business.

A Relationship of Trust

Through a four - step process, we consider your needs and goals as well as a variety of financial information to create a customized wealth management strategy.  This process is ongoing, in that we're there to guide you and make necessary changes to your strategy as years go by.

Step 1: Consultation

First, we'll simply get to know you, your financial situation, and your needs. With our solid experience, knowledge, and dedication, you can be assured that we will understand your personal and business goals, and translate them into customized solutions.

Step 2: Analysis

Our professionals will take your input and conduct a thorough analysis of your current financial situation.  In order to offer you truly comprehensive service, we leverage professionals who specialize in the areas of law, accounting, and business valuation.  This allows us to find answers that are both effective and meaningful to you.

Step 3: Solutions

We understand that each person and each business is unique, and therefore faces distinct challenges.  Your customized financial strategy will address the challenges that are most important to the success of your financial future.

Step 4: Monitor and Review

Our relationship doesn't end with the implementation of your financial strategy.  We will meet with you on a regular basis to monitor your evolving needs and goals in light of changes in the investment markets, tax laws¹, etc., and will recommend changes as appropriate.  We pride ourselves on this commitment, and look forward to strengthening our relationship with you over time.  

1. The financial analysis and recommendations are not intended to replace the need for independent tax, accounting, or legal review.  Individuals are advised to seek the counsel of such licensed professionals.  Neither John Hancock Life Insurance Company or the John Hancock Financial Network, nor any of their affiliates, employees, or representatives, provide specific tax or legal advice.                                                                                                               

2. Diversification helps manage the risk that comes with investing, but does not guarantee against loss.   

*Selected insurance products are offered through other companies independent of John Hancock Life Insurance Company and Signator Investors, Inc