Get Your House In Order

Lisa Amador, from the State of Hawaii’s Adult Protective and Community Services Branch, Department of Human Services explains the various roles of her agency including keeping vulnerable member of the community safe from abuse. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Renee Tillotson, Founder of Still & Moving Center explains how her umbrella organization integrates various disciplines of martial arts, dance arts and healing arts into one cohesive movement practice system. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Hugs Hawaii Executive Director Amy Morton-Sogi tells us about the mission to strengthen Hawaii’s families and improve the quality of lives for those enduring the financial and emotional hardships of providing care for seriously ill children. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Konrad Ikei of the Rotary Club, Ala Moana, one of fifty chapters here in Hawaii, explains their mission of “service above self.” Over 1.4 million like minded Rotarians from all over the world regularly come together to make a positive difference in their communities. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Volunteer James Li discusses the important role Lanakila Pacific’s Meals on Wheels plays in the senior community beyond assisting under nourished residents. Their Kupuna Tech program helps seniors become more confident with their digital devices and learn how to stay safe online. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Attorney Kendal Luke shares his more than 25 years of experience as a seasoned family law litigator and negotiator. Kendal gives us his definition of a “good divorce” explaining some of the best ways to manage the difficult process while making it easier for all concerned. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Founding member of 24 Hour Home Care Agency, Joce Sato helps us understand how important it is for all military members to claim their VA benefits, and how challenging and complicated that process can be. 24 Hour Home Care Agency specializes in providing elderly and disabled with non-medical services like assistance with mobility, eating, bathing and dressing. These services are delivered wherever someone calls home at the time including senior living facilities, and sometimes hospitals. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Well known Hawaii media personality Lanai Tabora shares his love of traveling by revealing his favorite bucket list destinations, including Tokyo where he has formed special relationships that grant his fellow travelers exclusive access to some amazing places. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Jeff Pelletier, Owner and Chief Instructor for AGOGE Hawaii, Krav Maga explains his unique self protection system drawing from many martial arts disciplines. But, unlike many other forms of self defense, there is no sporting aspect to Krav Maga, rather it is strictly a street style. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Paulette Ito, Senior Vice President of Marketing for Hawaiian Financial Federal Credit Union explains the complementary version of the Ho’okele Guidebook as well as its importance a personal life planning resource. Paulette also shares her insights and updates on the “Get Your House in Order” campaign. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Jeff Short, sales manager for Valley of the Temples sheds light on the many benefits of preplanning for funeral services. He explains how the process of a funeral unfolds and the importance of making decisions in advance to avoid burdening loved ones with financial and emotional burdens. Intro 0:00 Personal Story 3:23 Tips Healing Process - 6:30 • After the loss of a loved one, families naturally go through grief. • A funeral service is the outward expression of that grief. • Not having a public mourning slows the healing process. • Sharing stories from a loved one’s life assists the grieving process. Benefits of Pre-planning - 7:40 • Pre-planning funeral services provides emotional and financial benefits. • Emotional benefits derived from making decisions together. • Locking in prices at current levels protects against inflation. • Advanced payment eliminates future financial and emotional pain. • Preplanning provides other discounts. Cemetery vs. Mortuary - 9:48 • A cemetery is the final resting place. • A mortuary is where the deceased is prepared for the final resting place. • A mortuary is the place where the funeral ceremony is planned. • The mortuary team transfers the deceased to the cemetery. Costs - 10:49 • Cemetery costs depend on how many individuals a family wants to keep together. • Cremation plan costs depend on the timing of the celebration of life ceremony. The Process - 12:10 • A preplanning guide answers questions and maps out the process. • The permanent resting place is determined. • Decisions are made on how many family individuals to keep together. • Services to use and maintain a cemetery property are decided. • Funeral services and celebration of life ceremonies are determined. Details - 14:25 • A good preplanning team can take care of everything except time and place. • A good preplanning team mediates in the event of a family dispute. • Simple things can become highly emotional issues. • Disagreements must be resolved for the process to move forward. • A detailed preplanning document helps eliminate potential family disputes. True Celebration of Life - 17:40 • When a family is certain they are following a loved one’s last wishes. • This usually happens when a preplanning guide has been completed. • People often have specific last requests. • Celebrations and memorials can be highly personalized. Plan for the Inevitable - 19:02 • Experts are available to guide one through the process. • The daunting process is made easier with experienced guidance. • Planning in advance allows one to review and consider all options. • Not planning can leave loved ones with financial and emotional burdens. Plan in Advance - 20:00 • It’s not uncommon for people to start planning in their 20’s or 30’s. • A preplanning guide is a road map that provides valuable peace of mind. • Over 100 questions must be answered when someone passes away. • Effective preplanning answers those questions. • Answering those questions prevents family disputes. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Nolan Hong from POP! Creative Media explains what legacy videos are, how they are made, and how they fit into celebration of life ceremonies. Nolan also discusses the importance of having someone tell their life stories in their own voice, and what a valuable family history resource it becomes for generations. Intro 0:00 Personal Story 3:05 Tips Legacy Videos - 5:21 • A legacy video is a video biography of one’s life stories. • Video technology enables one to share their stories in their own voice. • Kupuna often have surprising and unexpected stories. • A legacy video allows one’s life to be shared for many generations. The Process - 8:25 • Some people want a legacy video created for a specific event. • Most want one produced while loved one’s still have the capacity. • Life stories are fleeting and should be captured before it’s too late. Distilling it Down - 9:48 • Deciding which life stories to include can be very challenging. • Good editors can pull out the best stories and weave them together. • Story tellers often become excited telling their best stories. • Legacy videos sometimes include stories or comments from others. Unexpected Stories - 13:01 • Sometimes captured stories have never been heard by family before. • Sharing life stories can give a deeper understanding of loved ones. • Sharing life stories provides a fuller perspective of one’s legacy. • Legacy videos can pull a family closer together. Editing - 14:35 • Three hours of interviews are broken down into video chapters. • Video chapters are finalized by adding music and still photos. • Professional editing weaves stories together into a cohesive narrative. Feedback - 15:42 • Most can’t imagine not having made a legacy video for loved one. • Capturing a loved one’s stories for generations to come is invaluable. Start Now - 17:00 • Many view this project as a memorial best for after a loved one passes. • It’s better to hear directly from the source when capturing one’s stories. • Starting now allows you to refine the video with follow up questions. • This project gives kupuna a great excuse to tell their stories. • Everyone loves stories about their family from prior generations. Contact Nolan Hong if you would like POP! Creative Media to produce a legacy video for you, or if you have related questions. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Robin Stueber, Wellness Coach from Positive Intelligence helps us understand how vital it is for caregivers to receive adequate support. As a wellness coach, Robin devises strategies and action plans to care for caregivers. Intro 0:00 Personal Story 3:45 Tips Challenges for Caregivers - 6:15 • Especially important in Hawaii where multi generational housing is common. • Balancing full time work and caregiving can become a difficult burden. • Caregivers often struggle with competing priorities. • Working caregivers often experience high stress, resentment and guilt. Support for Caregivers - 7:33 • Caregivers often need a trusted outlet. • A wellness coach serves as a safe advisor. • A wellness coach is there to discuss highly personal issues. • A wellness coach helps identify priorities to craft a path forward. Unique Approach - 8:25 • A wellness coach is not a therapist. • Therapists are counselors, psychologists or social workers. • Wellness coaches help set personal goals and chart the path to achieve them. Personal Journey - 9:13 • Managing aging parents and/or in-laws brings the issue home. • Effort to maintain adequate caretaking duties inevitably increases. • Once medical issues come into play, conflicts become common. • Some caretakers leave their jobs to care for loved ones. • Wellness coaches assist people with holistic wellness. Setting Boundaries - 11:50 • Caregivers suffering from burn out often aren’t aware. • Manifestations of burnout include forgetfulness and insomnia. • Sacrificing too much personal interest can lead to resentment. • Many caretakers reach a crisis point before seeking outside help. • Managing current affairs can distract from planning for the future. First Steps - 13:44 • Each client caregiver’s requirements are unique. • Identifying a client’s needs is the first step in the discovery process. • Conflicting feelings of resentment and guilt are common among caretakers. • Wellness coaches help clients envision changes relevant to them. • Wellness coaches set small achievable goals along the path. Survival Strategies - 17:30 • Caretakers should be vigilant about negative feelings. • Negative thought patterns can limit the ability to emotionally connect. • Caretakers should focus on things they enjoy. • Deep breathing and visualization are effective coping techniques. • Mental fitness exercises counter balance negative thoughts. Mental Fitness - 19:21 • Healthy mental muscles require a daily workout and proper nourishment. • Building mental resilience can be stymied by negative thoughts. • Recognizing and shifting negative thoughts are key to the process. • Focusing on the positive aspects of daily life is also important. • Mental resilience enables caregivers to successfully cope with stress. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Laurie Adamshick, attorney and partner at the Elder Law Practice of Rulon & Adamshick LLC helps us get our houses in order by explaining the importance of life care planning and how taking action in the present could prevent a future family crisis. Tips What is Life Care Planning? • It’s a holistic approach to preparing for age related issues. • It’s a comprehensive method of life planning. • Taking action in advance can prevent future family crises. Getting Started • Everyone should make a life care plan for themselves. • Everyone should make sure their parents have a life care plan. The Process • Life care plans name all legal agents under power of attorney. • Life care plans include incapacity provisions and estate documents. • Life care plans name advanced health care directive agents. • Life care plans should be regularly reviewed and revised when necessary. Other Aspects • The healthcare history of each client is reviewed. • All finances, and legal documentation are reviewed. • The family support system is evaluated. Full Service Clients • A RN care coordinator focuses on the healthcare solutions and costs. • An in home quality of life and safety assessment is conducted. • Attorneys evaluate all financial accounts and authority. • Family support dynamics are examined. Costs • Costs vary depending on the level of complexity. • Costs are less than all the same services from different providers. • Bundling costs with one team delivers efficiencies. • Costs are significantly less than no planning. Long Term Care Maze • A phrase used to describe our disjointed long term care system. • Our long term care system is difficult to navigate and costly. • There are many services and providers but no adequate roadmap. • Life care planning services fill the need. Why It Matters • Laurie thought she was well prepared for her parents’ health care. • She wasn’t because she didn’t know what she was facing. • She created a bundle of services to help those in similar situations. • Guidance from a team of experts enables peace of mind. When to Begin • It’s best to begin shortly after retirement while still in good health. • Life care planning is especially valuable for those without relatives in Hawaii. Difficult Conversations • Planning and preparing in advance can protect you and your family. • Not reaching out for needed help is a common mistake. • Many times caregivers can also be in need of help. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Jackie Boland, Community Outreach Director for AARP Hawaii helps us navigate the complicated issues surrounding senior driving, including knowing when to start limiting your own driving when the time comes, and how to approach difficult discussions with older family members when their driving becomes unsafe. Intro 0:00 Personal 3:02 Tips Older Drivers Are Generally Safe - 5:23 • Research shows as we age, we generally drive safer. • Many seniors self regulate by cutting back on their driving. • Beyond age 70, people start having more accidents per mile. • Older drivers are more prone to serious injuries during accidents. Complicated Issue - 5:46 • For many, driving represents personal freedom and control. • Loss of driving can lead to depression and isolation. • Seniors who are isolated are 50% more likely to develop dementia. • The problem is acute in geographically isolated communities. State Restrictions - 7:50 • Non impaired Hawaii seniors aged 72-79 qualify for a Kupuna license. • A Kupuna license is valid for 4 years. • An eye test is required to receive a Kupuna license. • Beyond age 80, the license must be renewed every 2 years. Warning Signs - 8:22 • Important decisions should not be based on one incident. • Ride with a senior family member to observe their driving directly. • Are they confident in their decision making when driving? • Can they identify and follow all signs? Mitigation - 9:30 • Everyone should self regulate based on their own impairments. • Oder drivers should self regulate their driving. • Limit driving in unfamiliar areas, during traffic, or on freeways. • Limited driving can extend the years of driving freedom. Difficult Conversations - 11:45 • Start the conversation long before taking someone’s car keys. • Changes in health or medication could provide an opening. • Open a dialog by asking for their opinion. • A family member with the best rapport should approach the issue. Alternatives - 13:55 • Alternatives to driving are location specific. • Oahu residents enjoy a healthy public transportation system. • Neighbor islands have a limited Bus system. • Ride sharing apps are very easy to use. Community Costs - 16:45 • Older adults are the most engaged and active community members. • Removing the experience and wisdom of seniors costs a community. • Multi-modal transportation options benefit a community. Transitioning - 17:35 • Make use of public transportation with a senior family member. • Point out the benefits of public transport and drawbacks of driving. • Building comfort with public transportation helps ease the transition. AARP Resources - 18:35 • AARP’s ‘Smart Driving’ program is a refresher course in driving safety. • This program offers tips on self assessment of age related changes. • The Smart Driving program also offers info on new technologies. • This program is delivered live in the classroom or online. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Marshall Hickox, President of Homeworks Construction shares his tips and insights on home renovation projects designed to assist those wishing to age in place, and how seemingly simple solutions can result in greater safety and a better quality of life. Intro: 0:00 Personal Story 2:53 Tips Home Renovations - 4:26 • Prospective clients of all ages consider renovating their homes. • Many are doing it for their children. • Those with multi generational homes are common clients. Aging in Place - 5:35 • Barrier free movement is a common request. • Ensuring a home is ADA accessible is a specialty. • Simple solutions include door handles rather than doorknobs. • Requests also include wider stairways for chairlifts and elevators. What About Costs? - 8:02 • Costs vary greatly depending on the scope and complexity. • The costs of basic construction materials has skyrocketed recently. • Budgeting for a home renovation project can be difficult. • Detailed documentation of all work can save future costs. Barrier Free Building - 10:45 • Home accessibility solutions are very popular, especially in Hawaii. • Fixes include bathrooms, wheelchair ramps, and steps with low rises. • Eliminating all trip hazards is a low cost safety solution. • Well lit rooms is another low cost safety solution. Permitting - 14:40 • Many small changes can be accomplished without permits. • Most large projects require a permit. • Most ADA friendly changes blend in seamlessly. • Rooms are often added for long term family planning. Choosing a Contractor - 16:45 • It’s very important to do your homework. • Don’t just rely on references given to you by prospective contractors. • Ask for references on projects similar the the work you are requesting. • Always double check with the Hawaii DCCA. Biggest Mistakes - 18:58 • Budgeting is the most common mistake people make. • It’s very difficult to resist upgrades during the renovation process. • Have extra money set aside for upgrades. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Brad Krzykowski, owner and master trainer for Beyond Fitness in Kakaako sheds light on some of the misperceptions about working with a physical fitness trainer as we get older. Brad covers common questions and issues surrounding fitness, diet and the crucial connections between mental health and physical fitness. Intro 0:00 Personal Story 3:30 Tips Too Old to Workout? - 5:36 • Physical training depends more on one’s ability rather than age. • Almost everyone has something they could work on. • Some clients are in their 90s who are still training. • A personal trainer can assess each client’s unique situation. Quality of Life - 7:22 • Regular physical activity enhances quality of life outside the gym. • Regular physical activity can prolong personal freedoms like traveling. Getting Started- 8:05 • Improving physical fitness doesn’t necessarily center around a gym. • Walking outside is a great step in the right direction. • Any physical activity will improve your fitness and overall health. • Regular physical activity impacts your mobility and independence. Holistic Health - 8:51 • Mental wellness is directly connected to physical health. • Remaining physically active is something we can control. • Regular physical activity improves mental health. Use It or Lose It - 10:05 • Remaining physically active enables us to use our bodies more. • If you don’t use your body, one day things will be harder to do. Diet and Exercise - 11:40 • Regular consumption of healthy nutrients is as important as exercise. • Daily intake of water is crucial for optimizing overall health. • A wholesome, well rounded diet supports a solid fitness regime. Focus and Balance - 14:00 • Your results are directly correlated with the effort you put in. • Doing a simple daily activity forms a good base for further training. • Strength training helps maintain healthy muscles as we age. Functional Exercise - 15:30 • Functional exercises include ordinary activities like climbing stairs. • Everyone is in a different situation with regards to fitness. • A personal trainer is expert at assessing your situation and needs. • A personal trainer creates a program geared to reach your unique goals. Best Exercise - 17:10 • For most, walking is the easiest and most readily accessible exercise. • Any regular physical exercise enhances mood and performance. Personal Trainers - 18:25 • Each person has unique needs when it comes to physical training. • Not everyone needs a personal trainer. • Personal trainers create a safe, effective and enjoyable routine. • A personal trainer can help clients stick to their exercise regimen. Community - 19:20 • Commitment to a group can help you remain consistent with a regimen. • Working out with others is more fun and motivating. • Many people look forward to a workout partially because of others. • Groups who regularly workout together form their own fitness communities. Biggest Mistake - 21:20 • Not remaining consistent with a regular routine is a common mistake. • Working out only on weekends is another big mistake. • Inconsistency can lead to less success and possible risk of injuries. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com#GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Stephanie Kendrick, Director of Community Engagement for the Hawaii Humane Society and her colleague Jennifer Bauer discuss the many benefits and responsibilities of pet ownership. They also explain some of the unique programs run by the HHS designed to smooth the way to more pet adoptions. Intro: 0:00 Personal Story 3:10 Tips Initial Considerations - 6:10 • Think about your lifestyle and what kind of pet might fit best. • Do some research on types of prospective pets. • Consider the animal’s needs and requirements. • HHS specialists are trained at matching people with appropriate pets. The Adoption Process - 7:26 • Visit the HHS Kaimuki location. • Become acquainted with some of your potential pets. • Rely on HHS specialists to recommend appropriate candidates. Who Should Own a Pet? - 8:50 • Anyone able to provide adequate care is a prospective pet owner. • People who travel or move frequently should think twice. • Volunteering at the facility is one alternative to pet ownership. • HHS’s foster care program is a great way to ‘test drive’ a prospective pet. Benefits - 10:13 • Significant scientific research supports wellness benefits for pet owners. • Human animal bond enhances mood and increases activity. • Pets make seniors feel less isolated. • Pets provide keiki with a sense of responsibility. Lifelong Commitment - 11:40 • Pet ownership really is a lifelong commitment. • Important to consider contingencies in event of catastrophic emergency. • Owners should plan ahead by designating a caregiver for their pets. • Many owners who don’t plan ahead contact the HHS seeking assistance. Choosing a Caregiver - 11:41 • Consider anyone who regularly cares for a pet. • Being a pet caregiver can be a big responsibility. • Caregiver’s lifestyle must fit and allow for a pet. • It’s important to have a firm agreement. Passing on Information - 13:10 • Pet caregivers should receive all info on dietary and medical needs. • Caregivers should also receive vet contact info. • Daily routines, habits and other relevant info should also be shared. • Any relevant information helps a smooth transition. Include Pets in Life Planning - 14:40 • It’s recommended to include pets in estate planning. • Assuming family or friends will take on pet caregiver duties is a mistake. • Pet trusts designate a caregiver and set up funds for the future care. • HHS has a “forever loved” pet trust program. • This program picks up and cares for pets while seeking new caregivers. Pet Loss - 18:10 • HHS operates a pet loss support group for those who are grieving. • This monthly group offers connections with others in similar positions. • Losing a pet can be very similar to losing family. • Visiting the HHS is a good way to begin thinking about a new pet. • HHS’s foster care program is a great way to ‘test drive’ a new pet. Final Tips - 20:12 • It’s very important to consider your lifestyle before adopting a pet. • Think about the time of your life and the age of prospective pets. • Adopting a pet comes with responsibilities and some sacrifice. • The value of the companionship pets provide can’t be measured. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

We welcome back Karl Sadanaga, wealth advisor for INPAC Wealth Solutions to discuss the importance of properly preparing for retirement. Intro 0:00 Caroline's Story - 3:18 Preparing for Retirement - 4:57 • Retirement is a financial and emotional decision. • Not preparing leaves one vulnerable to emotional and financial difficulties. • Knowing when you want to retire is the first step. • What do you envision as a successful and fulfilling retirement? Financial Instruments - 10:27 • Company pension plans, IRAs, and 401ks are most common. • Most times the employee determines the investment. • Pretax contributions allow investments to grow tax deferred. • Consistently contributing is the most important factor. Start Early - 13:03 • Starting early gives your investments time to compound. • Investing consistently and properly will grow your retirement savings. • Working with a financial professional helps manage market volatility. • Check your investment accounts at least once a year. Social Security - 16:05 • Claiming social security at age of 62 can reduce benefits by up to 25%. • Waiting until full retirement age allows you to claim 100% of your benefits. • Full retirement age allows you to continue working without penalties. • The retirement age that maximizes social security benefits is 70. Transitioning - 19:16 • Retirement planning should address emotional concerns. • Daily work provides structure, identity and a sense of community. • Planning what you will do during retirement is very important. • Remaining physically active and mentally engaged is crucial. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com#GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com

Paulette Ito, Senior Vice President of Marketing for Hawaiian Financial Federal Credit Union explains the complementary versions of the Ho’okele Guidebook as well as its importance as a personal life planning resource. Paulette also shares her insights and updates on the the “Get Your House in Order” campaign. Intro 0:00 Personal Story 3:17 Ho’okele 1.1 - 6:20 • Focuses on the past, assists in gathering personal information. • Documents family contact info and family health history. • Captures important family history and genealogy. • Compiles important financial planning information. • This is the first life planning building block. Ho’okele 1.2 - 8:10 • Focuses on the present. • Records all medications and doctors. • Documents current assets and financial obligations. • Compiles legal and financial information. Ho’okele 1.3 - 9:20 • Focuses on the future. • Addresses life planning documents like wills, trusts and health directives. • Assists in documenting asset accumulation and retirement funding. MidWeek Column - 10:00 • Paulette shares her real life “Get Your House in Order” stories. • The stories illustrate why this campaign is important for everyone. • The stories are intended to spark family discussions. GYHO TV Season 3 - 11:25 • Expert advice on topics like home renovations for aging in place. • Expert advice on issues like senior safe driving and funeral planning. Who Resonates? - 12:15 • The episode with our expert on wills and trusts was very popular. • We received a lot of positive feedback on the financial planning episode. Delayed Decisions - 13:00 • The “Get Your House in Order” campaign spurs conversation with family. • This campaign sparks action on big, crucial life planning issues. • A completed Ho’okele Guidebook is a gift for your loved ones. • Sound life planning is a great legacy to leave. Topics - 16:05 • Real life experiences form the foundations of Paulette’s master plan. • Most of us do not have our houses completely in order. • The Ho’okele Guidebook maps the path. • Completing the Ho’okele Guidebook is a process. • There’s always more that could be done. Ho’okele 1.4 - 18:40 • Focuses on miscellaneous items not covered in previous versions. • Lifestyle choice topics like travel, marriage and divorce are covered. • The benefits and drawbacks of various choices are detailed. Most Revealing - 20:45 • Many people don’t have their houses in order. • Many people haven’t addressed important life planning issues. • The local community has responded because there’s a need. The “Get Your House in Order” campaign is designed to engage, motivate and educate Hawaii’s ohana to do exactly what it says … help you get your house in order. To download the Ho'okele Guidebook: http://hawaiigetyourhouseinorder.com #GetYourHouseInOrder #HIFICU #HookeleGuide #lifeplanning #financialplan #lifeinsurance #estateplanning FOLLOW US: IG & FB @hawaiigetyourhouseinorder http://hawaiigetyourhouseinorder.com