Our Team

Jeffrey Kao

Jeffrey J. Kao, MBA, LUTCF

Principal, HIPac Financial

After graduating from the University of Hawaii at Manoa in 2002, Jeffrey went on to obtain his Master's of Business Administration (MBA) from the University of Hawaii at Manoa, Shidler College of Business, in 2006, with an emphasis in International Finance.  That same year, Jeffrey joined New York Life and in 2008 was named the New Agent of the Year.  Jeffrey has since gone on to receive numerous awards and achievements with New York Life, most notably, being a qualifying member of the Million Dollar Round Table1 every year since 2010.  Recently, Jeffrey has consistently qualified as a member of New York Life's Chairman's Council2, one of New York Life's most prestigious recognitions of its agents across the country.  Always having had an entrepreneurial mindset, Jeffrey also co-founded an ice cream business in 2016 that has since grown to a successful enterprise with two locations and an expanding retail presence.  This hands-on experience provides Jeffrey a unique perspective of what it takes to build and sustain a successful small business here in Hawaii, an expertise invaluable to his clients with similar ambitions.

A frequent speaker at the University of Hawaii Shidler College of Business and University of Hawaii Kapiolani Community College, Jeffrey is also a current Board of Director for the National Association of Insurance and Financial Advisors (NAIFA).  In his role, he helps serve NAIFA's mission to advocate for and promote the financial services industry as a whole, while helping to educate and enhance the professional, educational, and ethical qualities of its members.   

As a father of four young children, Jeffrey is passionate for educating and inspiring Hawaii's youth.  Since 2018, he has been an active board member of Junior Achievement of Hawaii.  Jeffrey devotes his time by teaching classes designed to instill financial literacy, work readiness, and entrepreneurship skills to youth in grades K - 12, particularly those in socioeconomically disadvantaged Title 1 schools across the state. 

In his free time, Jeffrey enjoys spending time with his family at home in Pearl City, cheering on his boys at their little league baseball games, cooking, and coming up with new ice cream and dessert recipes.

Notable Awards and Achievements:

2017 – 2021 New York Life Chairman's Council Qualifier
2010 – 2021 Million Dollar Round Table Member (2021, 2020 Court of the Table)
2013 - 2021 New York Life Annuity Elite Member
2021   Obtained CLTC (Certification for Long-Term Care) Designation
2018   Ho'okela Award – Best New Retail Business of the Year, Sweet Creams
2015,  2019 New York Life Triple Crown Award Recipient
2015   New York Life Premier Centurion
2014   New York Life's Life Allstar
2012 - 2016 New York Life President's Council Member
2008   New York Life New Agent of the Year
2008   Obtained LUTCF Designation
2007 - 2012 New York Life Executive Council Member
2006  Obtained MBA at University of Hawaii at Manoa, Shidler College of Business


Kevin MartinKevin Martin

Client Experience and Operations Manager

Kevin has over 10 years of experience in the financial services industry and has been integral in managing the operations of the office.  Kevin oversees that our systems and processes are constantly providing our clients with the best possible service and experience.  Born in Medina, New York, Kevin has called Hawaii home since 2007.  Kevin is an animal lover and enjoys fishing and cooking.  He currently resides in Pearl City with his family, enjoys being a father to a curious and energetic toddler, and loves his backyard garden projects.



Nicole Kawahara

Client Services Specialist

Custom Page ContentA graduate of Mililani High School and the University of Hawaii at Manoa, Nicole's keen attention to detail and incredible work ethic is matched only be her enthusiasm and warm personality.  Nicole ensures that all client servicing requests are handled thoroughly and processed expeditiously.  She assists the office in maintaining an organized workflow, smooth communications, and ensures all of our clients receive only the highest level of service and attention.  Nicole enjoys singing karaoke, traveling to Europe and is currently the longest reigning Miss Oahu Filipina.




1The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.

2Council is an annual company recognition program based on agent production from July 1- June 30.