Aloha Wealth GroupThe New Art
of Living
Where the spirit of Aloha meets world-class financial stewardship.
Let me ask you…
Four honest questions about your financial future.
Is saving & investing a priority — or do you save what's leftover?
Are compounding, risk & tax working in your favor?
Do you know how to achieve income protection, replacement & generational wealth — together?
Do you understand the importance of timely decisions?
Why most families
never reach the shore.
We empower families with three philosophies
Self-Improvement
Mindset, discipline, and the courage to act.
Multi-Handed Income
Diversify your income streams like the ocean current.
Financial Education
Knowledge that compounds for generations.
10% · 3 Rules · 3 Goals
Set Aside Minimum
Pay yourself first. Save before you spend.
Rules of Money
Compounding, Risk, and Tax — in your favor.
Goals in Sequence
Income Protection · Replacement · Generational Wealth.
Three steps. One journey.
Have Saving Discipline
Set aside a minimum of 10% of every paycheck.
Empower Your 10%
Understand & Apply the 3 Rules of Money — compound interest, growth, and tax.
Plan a Secured Future
Accomplish 3 goals: income protection, income replacement, and generational wealth.
Rule 1
10% Savings
Growth. Safety. Tax Advantage. Master all three, and your money works while you sleep.
The Rule of 72.
Divide 72 by your rate of return to see how many years it takes for your money to double.
Same $10,000. Same 36 years. The rate of return changes everything.
$17 a day.
A million-dollar life.
On a $60,000 income, setting aside just $500/month can change everything.
"Do not save what is left after spending, but spend what is left after saving."
Do you have growth and safety?
Most strategies force you to choose. The right one gives you both.
FIXED
+ Safety
− Growth
Examples: CDs, Bonds, Savings, Fixed Annuities
VARIABLE
+ Growth
− Safety
Examples: Stocks, Mutual Funds, 401(k), Variable Annuities
INDEX
+ Safety
+ Growth
Examples: IUL, Fixed Indexed Annuities
How Money Gets Taxed
Where is your money positioned?
- Checking
- Savings
- CD
- Stock
- Mutual Funds
- 401(k) / 403(b) / 457
- IRA / SEP-IRA
- Annuity
- Pension
- TSP
- Roth IRA
- 529 College Savings
- Executive Bonus
- Long Term Care
- Cash Value Life Insurance
3 Goals
Income Protection, Income Replacement and Generational Wealth
Income Protection
Shield your family from life's storms — illness, disability, and the unexpected.
Income Replacement
Build tax-free income for retirement that you cannot outlive.
Generational Wealth
Leave a legacy of freedom and aloha for the generations to come.
Protect, Replace and pass it on.
All-in-one Index Universal Life.
A single vehicle that delivers growth, safety, protection, and tax advantage — together.
Growth · Uncapped
Market growth with 113% participation. Never miss the wave.
Safety · 0.75% Floor
Floor guarantee. Your principal never loses to market drops.
Protection · Living Benefits
Life insurance plus chronic, critical, and terminal illness coverage.
Tax Advantage
Tax-free growth · tax-free access · tax-free death benefit.
A real-world example.
Jenny, age 35, earns $60,000/yr and saves $500/month into an IUL with a $500,000 protection benefit.
For illustrative purposes only.
The full journey — accumulation to tax-free income.
$6,000/year for 35 years → $604,671 cash value → $54,888/year tax-free income for life.
Non-guaranteed current projections at 7.25% interest. For illustrative purposes only.
BECOME YOUR OWN BANKER.
The strategy the wealthy have used for generations — now available to you. Your IUL cash value becomes a private bank you can borrow from, tax-free, while it continues to grow.
CAPITALIZE
Fund your policy with your 10% savings — your private vault.
COMPOUND
Your money keeps growing — even on dollars you've borrowed.
BORROW
Access cash tax-free through policy loans. No bank approval.
RECYCLE
Repay yourself, not a lender. Wealth circles back to you.
Wealth with Aloha.
Timely decisions today create the secured tomorrow your family deserves.
Schedule Your Aloha Consultation