Global Vision,
Local TouchTM
Financial Planning
for Hawaii
Partners
Jeffrey Kao,
MBA, LUTCF®, CLTC®
Partner, Financial Adviser
Background 
Kristi Chun,
LUTCF®, FSCP®, CLTC®, ChFC®, CFP®
Partner, Financial Adviser
Background
Alliances
Effective financial strategies often require a team of experts working together to serve your best interests. In such situations, we act as the quarterback and make sure everyone is working together to achieve the best possible results. If you have existing team members you trust, such as your CPA or attorney, we are happy to work with them, and we can also bring in our subject-matter experts as needed. Click below to learn more about HIPac Financial’s strategic alliances and find contact information for local professionals.
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Services
HIPac Financial provides innovative, cutting-edge products and services to help retirees, pre-retirees, young families, union members and federal and state employees grow and protect their wealth through all stages in life. We are committed to providing the best service through continued education, up-to-date product knowledge, and the development of strategic industry relationships--all while keeping in mind Hawaii's place in the world.
Approach
Our Process
Not every financial adviser is going to understand the challenges you face as residents of Hawaii. Your cost of living is significantly higher than most, but your industries pay the same rates.
You must be financially smart to enjoy your life today and in the future. That’s where the team at HIPac Financial comes in.
We understand that our clients are as unique and diverse as Hawaii, so instead of a one-size-fits-all approach, we take our holistically crafted process and tailor it to your needs and goals. By using a comprehensive financial planning process, HIPac Financial offers clients a better understanding of their financial situation, which benefits they have, and works with them to implement a plan toward helping them reach their ultimate financial goals.
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Planning Tools
eMoney is a sophisticated financial planning tool to help you achieve your financial goals.
It can provide you with goal and cash-flow based analyses and projections. Watch this video to get started.
Client
Resources
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Eagle/NYLIFE Securities
NYL Online Account
e-Money
American Funds
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Background
Kristi’s holistic approach to financial advising enables her to work with clients from all different stages of life, but she is passionate about working with those who call Hawai’i their home. She is dedicated to helping individuals and families with their specific planning needs, while navigating the challenges and opportunities we all face living here.
After graduating from Castle High School and the University of Hawai’i at Manoa, Kristi received advanced financial training from The American College of Financial Services in Bryn Mawr, PA and also obtained her CERTIFIED FINANCIAL PLANNERTM certification. Today, she is one of fewer than 300 CFP® professionals in Hawai’i and one of only five Financial Advisers in Hawai’i through Eagle Strategies LLC, a Registered Investment Adviser and subsidiary of New York Life Insurance Company.*
In addition to her Hawai’i life insurance and health insurance licenses, Kristi has earned FINRA Series 6, 7, 63, and 66 licenses. This combination of licenses enables her to provide a comprehensive approach to financial planning, retirement planning, estate planning, college funding, investments, and more.
Kristi and her family currently live in Honolulu. When away from the office, she loves to spend as much time as she can with her husband and son, taking advantage of all Hawai’i has to offer, including the beaches, hiking, and enjoying all of Hawai’i's ono food.
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Achievements
- CFP® Certificant Since 2016
- 2012 - 2021 Million Dollar Round Table Qualifying Member*
- 2012 - 2018, 2020 New York Life President's Council Qualifier**
- 2010 - 2017 New York Life Life All-Stars Award#
- 2011 - 2013 New York Life Annuity Champion#
- 2011, 2013 New York Life Long Term Care Circle of Champions Member#
- 2010 - 2011 New York Life Executive Council Qualifier**
- LUTCF® Designation Since 2010
- 2009 New York Life New Agent Case Rate Leader of the Year#
- 2009 New York Life Quality Council Qualifier#
- Registered Representative for NYLIFE Securities LLC
- Agent with New York Life Insurance Company Since 2006
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Community
Kristi is committed to advocating for her clients and industry. She has served as New York Life's Political Involvement Leader, is an active member of the YAT (Young Advisory Team), and for years, played an integral part of NAIFA (National Association of Insurance and Financial Advisors) before taking a step back from her board member position. As a former member of the Rotary Club of West Honolulu, Kristi also spent years learning how to create change on a local and global scale. A skill she continues to practice to this day.
One of the specific ways Kristi is changing her community is by helping the youth of Hawai’i, a cause she is extremely passionate about. Not only does she lend her time to provide guidance to Campbell High School’s students about the financial industry and has participated as a judge for the Scholastic Arts and Writing Awards that includes the National New York Life Award Underwritten by the New York Life Foundation, but she is also a dedicated advocate for the Kids Hurt Too Hawai’i organization. This organization provides support and mentoring for “orphans, foster children, and children separated from one or both parents due to divorce, incarceration or other causes.” As one of the co-founders of the Kids Hurt Too Keiki Mini Golf Tournament and recipient of a New York Life Community Impact Grant, Kristi was able to raise a total of $40,000 for the non-profit organization.
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Wealth Management
Through Eagle Strategies LLC, a wholly owned subsidiary of New York Life Insurance Company, HIPac Financial works with you to design and implement a variety of wealth accumulation and management plans. Investment programs range from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. Our holistic process helps ensure that management of investment assets aligns with your goals, risk tolerance and time horizon. With continual plan monitoring, we can also help you adjust your plan as your needs and life evolve.
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Financial Planning
Through Eagle Strategies LLC, a wholly owned subsidiary of New York Life Insurance Company, HIPac Financial provides personalized financial planning to you, considering your income, risk tolerance, values, and family. We work with you to identify and prioritize your goals, explore options, establish effective strategies, construct and execute a plan, assess the performance of the plan, and make adjustments as needed.
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Estate Planning
Through HIPac Financial, you have access to New York Life’s Advanced Planning Group. The Advanced Planning Group is a team of more than 30 nationally known professionals with specialized training in law, taxation, accounting, business, insurance, finance, and philanthropic planning. They have advanced degrees, designations, and specialized training in law, estate taxation, accounting, business, insurance, finance, and philanthropic planning. Combined, they have more than 300 years of experience assisting with wealth strategies and business planning objectives in numerous concentrations.
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Life Insurance and Asset Protection
Protecting what matters to you most means working with a financial professional who understands that everyone’s needs are unique and tailors solutions to help meet you meet your goals. At HIPac Financial, we’ll sit down with you to help you find the right amount of protection to give you and your loved ones the financial security you deserve. Whether you need temporary coverage at an affordable price or lifetime coverage with living benefits, we’ll create a custom solution that’s right for you and ensure that it continues to meet your goals as your needs change over time.
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Long-Term Care and
Disability Needs Solutions
Long-Term Care Insurance
You’re doing the hard work of saving so you can live the life you want in retirement. Long-term care coverage is the next step in helping you keep that lifestyle. With 70% of people ages 65 and older needing some kind of assistance with everyday activities— like getting dressed or going to the doctors – long-term care can have a lasting impact on your family and assets1.
HIPac Financial works with clients to develop a plan that is tailored to help you maintain your lifestyle and minimize the impact on your loved ones and your assets. This type of insurance can include coverage for home care, assisted living facilities, and/or nursing homes. Whether it be a long-term care plan in tandem with an existing life insurance plan or independent, HIPac Financial can help provide confidence and security in the face of retirement.
Disability Insurance
What is your most valuable asset? For most people, it’s your ability to earn income. Disability insurance can protect an individual’s income during times of an unforeseen illness or injury. In addition to income protection, disability insurance can also provide coverage to supplement an employer-sponsored disability plan. HIPac Financial understands it can be immensely valuable to invest in a dependent safety net, like disability insurance, and will work with you to develop a custom plan to provide you security when you need it most.
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401(k) and IRA
Rollovers
When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can also be a consideration. Working with your tax advisor, we can help determine the right course of action for you. HIPac Financial will layout the advantages and disadvantages of your options while accounting for your specific needs, retirement plans, desired investment options, applicable fees, withdrawal options, required minimum distributions and tax treatment of applicable options.
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