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808-330-4691

Helping Hawai‘i’s Retirees and Soon-to-Be Retirees Achieve Financial Clarity and Confidence 

Retirement isn’t one-size-fits-all, and neither is your financial plan. We take a personalized approach, helping you align your savings with your goals and lifestyle. With expert guidance, we’ll help you retire with confidence and peace of mind.

Foundation Built on TRUST.

Our Process

Our Process

We create strategies that are tailored to your needs and goals.

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Our History

Our History

Years of experience have prepared us to guide you through your life transitions.

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Who We Are

Who We Are

We are a Hawai‘i-based financial planning firm driven by a client-centric, compassionate, holistic approach rooted in local expertise. We believe retirement planning is more than just selecting the right products—it’s about creating a personalized strategy that works for you. Our focus is on understanding your unique financial goals, addressing your concerns, and crafting tailored solutions that provide security and peace of mind.

Who We Are

How We Can Help

In addition to working on your behalf, we’ll simplify your financial life and help you provide the freedom to focus on what matters most: your family, your community, and the life you’ve worked hard to build.

Retirement

We help you make the most of your employer-sponsored retirement plans and IRAs, determine how much you need to retire comfortably, and manage assets both before and during retirement.

Lifestyle

We help clients envision their ideal retirement lifestyle and develop a plan to fund their activities and interests.

 

Investment

We determine your asset location needs, help you understand your risk tolerance, and recommend the appropriate investment vehicles to help you reach and exceed your goals.

Taxes

We assist in finding ways to help reduce your current and future tax burden and refer you to qualified tax specialists.

Estate

We help preserve your estate for your intended heirs, assist with beneficiary designations, reduce exposure to estate taxes and probate costs.

Risk Management

We review your exisiting insurance policies, recommend changes when appropriate, and help you find the best policy for your situation.

Our Process: A Clear Path to Financial Confidence

Step 1:
Discover Your Goals

We begin with a conversation to understand your financial situation, aspirations, and any challenges you want to address. This helps us determine if we’re the right fit for your needs.

Step 2:
Build Your Personalized Plan

Using a solution-focused approach, we create a strategy tailored to your goals—whether it’s protecting your savings, generating income, or preparing for unexpected expenses like taxes and healthcare costs.

Step 3:
Ongoing Support & Guidance

From implementation to regular reviews, we’re with you every step of the way to ensure your plan adapts to life’s changes and continues to serve your long-term goals.


What Sets Us Apart

Rooted in Hawai‘i, Backed by Leading Expertise
We’re not a national chain—we’re a small, local firm that understands Hawai‘i's unique financial challenges. However, through our partnership with Osaic Wealth, one of the nation’s leading financial institutions, we provide access to vast resources, top-tier research, and innovative solutions to serve your needs.

A Personalized, Relationship-Driven Approach
We don’t believe in cookie-cutter solutions. We take the time to truly understand your goals, values, and concerns, crafting a customized strategy that works for you—not just now, but for years to come.

Trust & Transparency at Every Step
Financial planning is personal, and trust is at the core of everything we do. We prioritize clear communication, honest guidance, and strategies designed with your best interests in mind—so you always know where you stand.

More Than Just Investments
While many advisors focus solely on investment management, we take a holistic approach, addressing tax efficiency, healthcare costs, estate planning, and retirement income—all critical elements of a thriving financial future.

Specializing in Long-Term Care Planning
One of the most overlooked aspects of financial planning is long-term care—but we make it a priority. 70% of people over age 65 will require some form of long-term care, yet most financial plans fail to account for these expenses. Without a plan, the cost of care can quickly deplete savings and place a heavy burden on family members. We specialize in long-term care planning and insurance solutions, ensuring our clients have the resources and protection needed to safeguard their future, their independence, and their loved ones.

A Long-Term Commitment to Your Success
Our relationship doesn’t end once your plan is in place. We stay by your side, adapting strategies as your life evolves and ensuring you remain confident in your financial future.

Who We Help

Financial planning isn’t one-size-fits-all. Whether you’re preparing for retirement, navigating long-term care decisions, or simply looking for financial clarity, we’re here to guide you. If you’ve ever asked yourself any of these questions, we can help:

✅ Are you approaching retirement and unsure if your savings will last?
✅ Do you have a long-term care policy but aren’t sure if it’s still right for you?
✅ Are you worried about how long-term care costs will impact your financial future?
✅ Have you been offered an annuity or life insurance product and need a second opinion?
✅ Do you want to protect your loved ones from financial burdens if you need long-term care?
✅ Are you looking for a financial professional who prioritizes ongoing service, not just sales?

 If you answered YES to any of these, you’re in the right place.
 

See What Our Clients Have to Say

"My experiences with Roger Higa have been all positive. He explains different options to accommodate my needs. With his expertise, he has guided me through my financial planning. My investments have increased. I have money to pay for unexpected home repairs and take vacations abroad. He even took taxes into account for my tax returns. Roger conducts himself very professionally but at the same time I feel like he's a lifelong friend! In these times of financial scandals, I feel comfortable and confident in entrusting my lifelong savings with him."

Gloria R.,
Client and Retiree


Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.

"I have been with Roger Higa Financial Services, LLC for a while now and I am really pleased with the service we have had from him! Roger has always been there to help us anytime we had a question or needed help with something! He really helped us out a lot and I find him really trust worthy. All I have left to say is thank you Roger for all you have done for my family and me! I really appreciate it!"

Sandra S.,
Client and Pre-Retiree



Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.

"Roger is very responsive to any inquiries or questions you have. He is easy to talk to and not intimidating. He truly enjoys helping his clients reach their goals and has helped me reach my retirement goal."

Joan Y.,
Client and Pre-Retiree



Non compensated client testimonial; may not be representative of all client experiences; no guarantee of future performance or success.

Speak with us today and discover how we can help you achieve your financial goals with clarity and confidence.

Call Us

808-330-4691

Address

1555 Ala Puumalu Street

Honolulu, HI 96818