Category: Military

Seminar for Hawaii Military: Achieving Financial Security in an Uncertain World

MoO.TeamHawaiiIt was a pleasure being invited as a “Community Partner”, to the recent 4th of July Celebration on Pearl Harbor. The overall response we received was tremendous. Many of the participants—active-duty military servicemembers—expressed an interest in getting more information from us. Because of this incredible outpouring of support, we would like to “give back” and invite our hard-fighting warriors and their spouses to a free, informational seminar here in Honolulu. (Register here: Hawaii Military: Achieving Financial Security in an Uncertain World)

For over 100 years, Mutual of Omaha Advisors has helped millions of families by delivering stable performance in turbulent times. We offer a huge range of financial solutions and tools for clients. From financial planning to family protection, retirement and college saving to estate planning—we can help to preserve your assets, pursue safe returns and achieve your financial goals.

Although all of our clients have unique goals and concerns, there are some common trends that apply to most. For example, many want to better understand how to save for a more secure retirement, reduce future taxes, and protect their family if something happens to them.  We focus on the things that are well within your control financially.

Mutual of Omaha Advisors is sponsoring this must-see, free seminar for Hawaii-based service members: “Achieving Financial Security in an Uncertain World: Establishing a Sound Strategy”.

In this timely workshop, you will learn about:

  • Risk protection plans to protect retirement assets
  • Thrift Savings Plan (TSP): Tax-Advantaged Options
  • Survivor Benefit Plan (SBP): Conversion Options
  • SGLI-VGLI: Understand How It Works/Facts You Need to Know
  • The necessary paperwork to request and obtain valuable VA & SSA benefits.

If You Fail to Plan, You Plan to Fail

It’s a cliché, but it’s also true – if you fail to plan, you plan to fail . . . meaning that it is likely that if you do not have a plan to guide you when you set out to accomplish an objective, you will end up short of your goals.

Here’s a disturbing fact: More than 95% of Americans are not financially secure at age 65. None of these people started out to fail financially. Yet, according to the facts, most did. To prove the old adage: They didn’t plan to fail…they failed to plan. We can’t predict the future, but we can help you plan for a better one. It all starts with a plan.

Whether you are planning for retirement far down the road or developing an overall financial strategy to see you and your family through any of the many upcoming milestones in your lives, the importance of planning cannot be overstated. The good news is that it’s never too late or too early to establish a financial plan. You Might Be Planning for:

  • Enjoying the retirement of your dreams, free from financial worry
  • Leaving your heirs a sizable inheritance from your estate
  • Minimizing your taxes to maximize your net income
  • Helping your children through college with little or no debt
  • Purchasing a vacation home where you can get away from it all
  • Providing your family with a financially secure lifestyle

Regardless of your objective, you need to plan. By taking a few simple steps, you can plot a course that will help enable you to meet your financial goals.

Developing a financial strategy can be difficult and complex. But, at its very basic level, it really boils down to evaluating where you currently stand financially, determining how much you need to achieve your goals and then developing, implementing and sticking to your strategy.

We’ll take you through the process of determining your financial goals and objectives and talk about some different ways you can address them. And just so you know, we choose to provide this valuable service to Hawaii-based, active-duty military members without a fee or any obligation.

It’ll be an easy way to learn the ins and outs of developing a financial strategy and why it’s important. Please Join Us… It’ll be time well spent.


Thursday July 21, 2016 from 6:30pm-8:00pm

Saturday July 30, 2016 from 11:00am-12:30pm

Thursday August 4, 2016 from 6:30pm-8:00pm


Pan Am Building

1600 Kapiolani Blvd Suite 1200

Honolulu, HAWAII 96814

And with a strong, stable and secure company like Mutual of Omaha Advisors standing behind you, you can know you’ve taken a positive step to help prepare for the future.

Please take a moment to reply back with the best dates/times that fit your schedule. I will try my best to accommodate your preferences. We will call you in the next few days to discuss any questions you have with respect to creating a financial plan, and to invite you to one of our free, upcoming seminars. We look forward to serving you and your family.

To register online, please visit Eventbrite:

Hawaii Military: Achieving Financial Security in an Uncertain World)

Confronted by Older Self, People Save More

jolieagedSince 2001, I’ve worked with young active-duty servicemembers in the military, trying to get them to save more for retirement. I can attest, the majority really don’t think much about retirement. How can we blame them; it seems so far off from now. In fact, according to research, two out of five don’t think about it at all.

Hal Hershfield, a professor UCLA’s Anderson School of Management is using age progression algorithms that basically mimics the processes of aging to see if Americans might save more if they literally faced the future. (See age progression of actress Angelina Jolie above.)

According to Hershfield, there is a real, positive impact in helping people to save more for their future. He stated, “In one of the studies we found people who were exposed to images of future selves allocated about twice as much money to a hypothetical saving account.” Hershfield said, “It allows people to say okay there is this future version of me and that person is going to benefit or suffer from the choices that I make today.”

Want to learn more, check out this link:

LifeLock® and HonorCard®: Honoring Those Who Serve


At The Wheeler Group LLC, we’re excited to begin representing LifeLock® here in Hawaii to the military community through our association with the HonorCard®. As a marketing affiliate of HonorCard, TWG will use the power of the HonorCard's negotiated group pricing to offer discounted rates on products and valuable services that military members use every day. Our group packages will help military personnel fill the void between their existing benefits and the other valuable benefits that we make available to you. Through the HonorCard, we can make your military or post military lifestyle less worrisome. We offer a unique selection of benefits designed to protect your identity, enhance your healthcare, provide roadside assistance, and assist you with legal matters. We even help make your recreational time off more fun and less expensive. We also can help you save on things you’re already purchasing on a regular basis. THIS SAVES YOU MONEY!

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How Does Your Bank Rate?


Of the military-specific organizations that we represent at The Wheeler Group LLC, Trans World Assurance (TWA) was founded by Charles P. Woodbury, a decorated WWII fighter pilot, whose background was in finance. In an April 5, 2009 article that appeared in the Pensacola News Journal, Carlton Proctor ( asked the question, How does your bank rate?

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New: Low-cost Term Life Insurance/TRICARE Supplemental Coverage


Beginning immediately, The Wheeler Group LLC is offering low-cost term life insurance for active duty military personnel, as well as TRICARE Supplemental Coverage. Since 2001, we have worked closely with John Battin and his team at Military Benefit Association (MBA). We are now taking it to the next level in helping our military and federal civilian communities and their families.


The Armed Forces Enlisted Benefit Association was founded in 1956 as a nonprofit association. The founders were aware that enlisted persons did not have access to the same benefits as military officers and wanted to provide some of these benefits. The Association was organized to promote the welfare of its members, to advance and safeguard their economic interests and to improve their financial conditions through cooperative enterprises. In 1963, the name was changed to Military Benefit Association (MBA). Continue reading

Six Boys and Thirteen Hands


My Dad shared this with me in a recent email and I thought it was truly worth sharing…

[Author unknown]

Each year I go to Washington, DC, with the eighth grade class from Clinton, WI where I grew up, to videotape their trip. I greatly enjoy visiting our nation’s capitol, and each year I take some special memories back with me. This fall’s trip was especially memorable.

On the last night of our trip, we stopped at the Iwo Jima memorial. This memorial is the largest bronze statue in the world and depicts one of the most famous photographs in history — that of the six brave soldiers raising the American Flag at the top of a rocky hill on the island of Iwo Jima, Japan, during WW II. Over one hundred students and chaperones piled off the buses and headed towards the memorial. I noticed a solitary figure at the base of the statue, and as I got closer he asked, “Where are you guys from?” I told him that we were from Wisconsin “Hey, I’m a cheese head, too! Come gather around, Cheese heads, and I will tell you a story.”

(James Bradley just happened to be in Washington, DC, to speak at the memorial the following day. He was there that night to say good night to his dad, who had passed away. He was just about to leave when he saw the buses pull up. I videotaped him as he spoke to us, and received his permission to share what he said from my videotape. It is one thing to tour the incredible monuments filled with history in Washington, D.C., but it is quite another to get the kind of insight we received that night.)
When all had gathered around, he reverently began to speak. (Here are his words that night.)

“My name is James Bradley and I’m from Antigo, Wisconsin. My Dad is on that statue. I just wrote a book called “Flags of Our Fathers”. It is the story of the six boys you see behind me.

“Six boys raised the flag. The first guy putting the pole in t he ground is Harlon Block. Harlon was an allstate football player. He enlisted in the Marine Corps with all the senior members of his football team. They were off to play another type of game. A game called “War.” But it didn’t turn out to be a game. Harlon, at the age of 21, died with his intestines in his hands. I don’t say that to gross you out, I say that because there are people who stand in front of this statue and talk about the glory of war. You guys need to know that most of the boys in Iwo Jima were 17, 18, and 19 years old – and it was so hard that the ones who did make it home never even would talk to their families about it. Continue reading

Priority #1: Managing Yourself and Your Time

This month marks the seven-year point of my stint working with military personnel based here in Hawaii. I consider myself fortunate to play a small role in helping our fighting men and women of the U.S. Armed Forces achieve their financial goals.

By doing what I do, they are given the peace of mind and the assurance that they can provide for their families on a long-term basis. For me this is why I do the thing I do.

There are great parallels between what we have created at SuccessHawaii and what I do at The Wheeler Group LLC through our association with the military. Like SuccessHawaii, our goal is simple–“to help our clients reach theirs.”

Continue reading

Priority #1: Managing Yourself and Your Time

This month marks the seven-year point of my stint working with military personnel based here in Hawaii. I consider myself fortunate to play a small role in helping our fighting men and women of the U.S. Armed Forces achieve their financial goals. By doing what I do, they are given the peace of mind and the assurance that they can provide for their families on a long-term basis. For me this is why I do the thing I do.

There are great parallels between what we have created at SuccessHawaii and what I do at The Wheeler Group LLC through our association with the military. Like SuccessHawaii, our goal is simple–to help our clients reach theirs.

When meeting with prospective customers, I share with them the concept and idea that my mom, Dr. Linda Andrade Wheeler, passed on to me: If you don’t have a dream, you can’t make a dream come true. It all begins with goals. This is the beginning point. Without having a clear idea of what they want in life, the point of meeting with me is lost. They, like all of us, need a crystal clear vision of where they want to be financially in the future. Once we nail that down, we can move forward breaking their financial goals into manageable, realistic steps that will get them where they want to be.

“If you don’t have a dream, you can’t make a dream come true.”

In the past, Dr. Wheeler has given of herself and has conducted free seminars for the troops here in Hawaii. The emphasis of these classes is not simply money management, but rather a much more comprehensive approach to managing one’s life. It all starts with the notion of self-management. The core element in all of this is the empowering concept of developing a personal philosophy that makes you the owner of your own destiny, and not the victim of your circumstances.

In order to make this work, you need to develop a specific and practical plan of action for personal development. Your personal belief about yourself and what you deserve in life greatly impacts the actions you take in designing your destiny. In this day and age, it is all about balancing everything: mentally, emotionally, intellectually, physically and financially. In the Hawaiian language, there is a term that sums this up quite nicely. In essence the term, “Hookaulike”, means to bring into balance all the things to make you feel in harmony with the universe.

The second element she addresses in the seminar is the component of managing your time; ever critical in this fast-paced world we live in. A primary focus in this approach to time management is to plan your work; and work your plan. As she succinctly puts it,

“Goals without action is daydreaming; action without goals is spinning your wheels; but action with goals will get results.”

I don’t know about you, but I’ve daydreamed and spinned my wheels many times. I appreciate the simple and constant reminder that we all need to put goals on paper, and then figure out the best way to make them come true.
So what does it take to accomplish your goals and meet with the success you’re looking for?

Well, the next time I conduct seminars–for the 500th Military Intelligence division at Schofield Barracks (through Sgt. Major Marty Glenn) on October 17th, and in November for MSgt. Noel DeMello and his crew at the Hawaii Air National Guard–I will share that it takes desire, discipline and dedication. Like anything else, you don’t get anything for nothing. When it comes to wealth accumulation, you never get anywhere if you don’t have the savings habit. ‘Pay yourself first and what you don’t see, you won’t miss,’ is the old cliché, but altogether correct. But when you give something, you’re more likely to get something back. You’ve got to give to get what you desire. Like everything else in this world, it begins with you.