Welcome to REIWA Financial

Investments, Income

with Reiwa


Photo of Koshin Steven Soga

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.


The Team at Reiwa Financial

Koshin continuously works with the top agents at the Honolulu Office to provide the best experience for his clients' individual planning needs. Koshin also has a dedicated team to help with the administrative and marketing side of his business.

Meet the Team

Strategic and Financial Alliances

Many times, a great financial plan needs the help of other experts in the field. These include but are not limited to Attorneys, CPAs, Realtors, Bankers, and P&C Insurance agents. If you are currently working with a trusted professional, Koshin would be more than happy to work with them. If you need a referral for some of the best in Hawaii, please click the link below to learn more about some of the people we work with:



Koshin provides a very easy-to-understand holistic approach to financial advising and planning. Each person’s situation is different, and depending on their financial step in life, the advice he provides will be tailored to fit the goals and aspirations of that specific client. Koshin is committed to providing the best services using software such as eMoney financial planning to help prepare his clients for anything that may happen in life.


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.

Learn More

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. Please watch this video for a sample:


Client Resources



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Eagle/NYLIFE Securities

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NYL Online Account

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New York Life
Seattle General Office

Located in downtown Honolulu in the Davies Pacific Center:

Directions to parking (On Alakea Street)

H-1 Eastbound:

  1. Exit at Pali Highway off-ramp (stay right heading downtown)
  2. Continue onto Bishop Street
  3. Left at Queen Street.
  4. Left at Alakea (stay in left lane)
  5. Left into Davies Pacific Center parking garage

H-1 Westbound:

  1. Exit at Vineyard Street off-ramp
  2. Left at Pali Highway
  3. Continue onto Bishop Street
  4. Left at Queen Street
  5. Left at Alakea (stay in left lane)
  6. Left into Davies Pacific Center parking garage

Nimitz Highway:

  1. Left at Alakea (stay in left lane)
  2. After Queen Street, Left into Davies Pacific Center parking garage


Koshin moved to Kahului, Maui at the end of high school and graduated from Maui High School in 2003. Wanting to learn Japanese more and eventually move to Japan, he went to the University of Hawaii at Manoa to pursue and graduate with a B.A. in Japanese language with the intent of moving to Japan and pursuing a career there. Unfortunately, the financial crisis hit at the tail end of 2007 and crashed the financial markets in 2008, ultimately stopping his goals of going to Japan, which pushed him towards a Financial Career in Hawaii instead.

In 2011 he started his career with New York Life, beginning as an Insurance agent with his life and health insurance licenses, and later that year obtaining his FINRA Series 6 and 63 securities registrations to become a Financial Services Professional for NYLIFE Securites LLC (member FINRA/SIPC), a Licensed Insurance Agency and a New York Life Company.  Koshin also obtained his FINRA Series 7 and 65 registrations and is now a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser and a New York Life Company.

With these licenses and registrations, Koshin can help his clients with a holistic approach to finances. This helps ensure that all of his clients are better prepared for the future in regards to insurance, investments, retirement, education funding, estate, and overall financial planning.

Koshin has two kids and a beautiful wife, and on his days off loves to spend time with family by going to the parks, shopping, cooking food for the family, along eating at all of Hawaii’s great restaurants. Unfortunately, nowadays he doesn’t have the opportunity to partake, but he also loves playing soccer, basketball, and golf.



  • Agent with New York Life Insurance Company since 2011
  • Registered Representative for NYLIFE Securities LLC
  • Financial Adviser with Eagle Strategies LLC
  • Principal Reiwa Financial
  • 2015 - 2016; 2019 - 2021 Million Dollar Round Table Qualifying Member*
  • 2021 Presidents Council Qualifier **
  • 2010 - 2011 New York Life Executive Council Qualifier**
  • 2013 - 2017; 2018 - 2020 Executive Council Qualifier **
  • 2017 Quality Council Qualifier **
  • 2011 NYL Honolulu GO Rookie of the year

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

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


Wealth Management

Through Eagle Strategies LLC, a wholly-owned subsidiary of New York Life Insurance Company, Koshin works with his clients to understand their needs and concerns. By understanding what they want from their investment goals, he utilizes the different types of wealth accumulation and money management plans that Eagle Strategies has to offer.


Financial Planning

Through Eagle Strategies LLC, a wholly-owned subsidiary of New York Life Insurance Company, Koshin can offer a customized financial plan for his clients. He will work with the client to understand their needs, wants, and concerns. By understanding their investment experience, income, risk tolerance, and what is most important to them, he will work with the professionals at Eagle Strategies to offer a holistic plan for each client.


Estate Planning

Have you ever thought of what will happen to your assets in the future when you pass? Having a proper estate plan will help minimize your tax liability for your heirs and ensure that your goals of how you want your assets to be distributed will be met. Don’t let your precious assets go through probate.

*Neither Eagle Strategies nor New York Life or any of their representatives provides tax or legal advice.


Insurance Services

Reiwa Financial can offer a variety of Insurance products and services: Life Insurance, Long Term Care Insurance, Short and Long Term Disability Insurance, Cancer, and Critical Insurance. The right Financial Strategy can help protect yourself and your family’s income, assets, and financial future.

Products are available through one or more carriers not affiliated with New York Life Insurance Company.


401(k) and other retirement plan Rollovers

As you transition to a new job or prepare for retirement, there comes a time when you need to decide what to do with your qualified retirement savings. What are your options? Based on your individual circumstances, you have several options such as taking a cash distribution, leaving your retirement savings where they are, or doing a rollover to your new employer's plan or a personal Individual Retirement Account (IRA). Utilizing a program called eMoney, Koshin can help create a retirement strategy that meets your individual needs and goals while discussing the advantages and disadvantages of each course of action.