ABOUT
Financial Adviser
Koshin Steven Soga
CA Insurance License #: 0J08746
Born and raised in Hilo, Hawaii, to Japanese 1st generation immigrants in Big Island in the ’80s, Koshin made it a mission to help people like his parents, who were both from Japan and had no financial literacy in a foreign place. Growing up in a completely Japanese household with strict Japanese values, Koshin experienced a life unlike most of his friends in Hilo. After becoming an adult and speaking to his parents about finances, and realizing that they had no idea what it meant to plan for the future, in 2011 Koshin decided to pursue a career in the financial advising field to help people just like his parents.
APPROACH
Our Process
Step 1: Review
Review your goals and objectives. There is no one right way to do financial planning. Everyone has a different financial situation, and with that in mind, it’s always important to review and understand what is most important to you. Koshin will review what you currently have in place and what your goals and objectives are.
Step 2: Analyze
Analyze your needs. Once the initial review is finished, Koshin will work with you to identify and create objectives within your financial plan. A plan should be realistic, meaning that we can’t write down unreasonable goals, and try to reach them without a sound plan. By breaking down your needs, we can determine which ones are most important, and take care of those things one at a time.
Step 3: Develop
After analyzing your needs, now let’s develop and implement a strategy that will be realistic in achieving your goals. Based on the conversations you may have with Koshin, he will create and develop a coordinated plan for each goal.
Step 4: Coordinate
Now that the plan has been developed, it’s time to coordinate with other companies and professionals to help align your finances accordingly. Koshin may work with your other advisers, including financial, taxes, and legal professionals to help with the process.
Step 5: Implement
Implementing the strategy that we map out is important and the key to success in achieving your financial goals. Without taking action, any plan that we come up with will never come to fruition. Koshin will work closely with you by putting things into motion, taking you a step closer to your goals.
Step 6: Monitor
Monitoring your current plan is important in tracking how you are progressing in your overall strategy. As time passes, your situation may differ from year to year, and it is important to continue updating your financial plan as things change. Koshin will work with you continuously to help keep your financial plan on track and achieve your long-term goals.
Planning Tools
Utilize the financial planning software, eMoney, to help you review, analyze, develop, plan, coordinate, and monitor your financial goals. eMoney is a sophisticated online website portal that allows you to monitor all of your accounts in one place. By tracking current investment performance along with future projections, the cash flow-based analysis with help you visualize your financial future.
CONTACT
New York Life
Seattle General Office
10885 NE 4th Street, Suite 1400
Bellevue, WA 98004
425.462.4800 Office
808.268.1613 Direct
ksoga@reiwafinancial.com
