Text Box: Our experienced staff can tailor an insurance plan that is right for you and your professional needs. Long-term care, disability, life insurance, and annuities are offered by over 200 highly rated insurance companies through Bisys. Text Box: Life Insurance: Providing for our families after we are gone is a high priority for many people, and a quality Life Insurance plan can provide peace of mind for those who want to protect their loved ones. At HFM we shop around to provide high quality Life Insurance from the most respected companies, while taking the work and stress away from you. Long Term Care: We all look forward to a relaxing independent retirement, but few consider what will happen should we become dependent upon another for living assistance. Long Term Care Insurance relieves that worry, and provides us with the financial means to have the help we need. Disability Income: Are you the bread winner of the family? Does your family depend on your salary for financial security? In the event of disability, what will happen to your income? Disability Income Insurance can protect you and your family if your salary should cease due to injury or illness. Fixed and Variable Annuities: We at Hawaii Financial Management, believe that one of the most challenging aspects of investing is deciding how long we intend to provide financial security for ourselves. Estimating life span can be difficult and stressful, and annuities can help to eliminate the stress. Annuities provide a fixed or variable stream of income to the policy owner for a predetermined or indefinite period of time. Auto, Boat, & Motorcycle Insurance: For these services Hawaii Financial Management has teamed up with Carr’s Insurance Agency. Carr's Insurance has strong roots here in Hawaii. Carr's Insurance is a family owned company that was established by Rod and Nancy Carr in 1990. Carr's Insurance is now owned and managed by son Steve Hoppis. They have grown from a small personal lines agency and are now proud to offer a wide range of products including both Personal and Commercial line products. Carr’s pride themselves on being their customer's advocate offering great personalized service that is specific to your needs. CLICK HERE to go to Carr’s home page. Text Box: Securities offered through Saxony Securities Inc. member FINRA/SIPC, www.finra.org Hawaii Financial Management and Saxony Securities Inc. are separate and unrelated companies. www.saxonysecuriteis.com

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Text Box: Hawaii Financial Management

951-1111

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