Our Process

At the heart of our business is a commitment to building strong relationships and earning your trust. We believe that every successful partnership begins with understanding and mutual respect. From our first interaction, we focus on creating a solid foundation of trust, ensuring that we fully understand your needs and goals. Without this crucial first step, meaningful business cannot be created.  

Our customer-centric approach means that your satisfaction and success are our top priorities. We pride ourselves on providing personalized service tailored to your unique needs and circumstances, ensuring that our strategies are driven by your specific goals. This approach allows us to tailor our services to provide the best possible outcomes for you.

Our Team

  • Born and raised in Nu‘uanu Valley, Roger is a proud descendant of Charles Higa, co-founder of Zippy’s Restaurant in 1966. His father, who created the famous Zippy’s Chili Recipe, instilled in Roger the values of hard work, humility, and gratitude.

    Roger graduated from the University of Hawai‘i at Manoa Majoring in Finance and over the past 20 years, he has established two scholarship funds, providing opportunities for youth to pursue higher education. Roger has over 30 years of management experience working in the manufacturing, accounting, marketing, customer service, human resources, food service, and non-profit sectors prior to finding his calling in the insurance and financial services world.

    In addition to being a caregiver for two loved ones, Roger has spent over 13 years working in insurance and financial services. He specializes in long-term care and retirement planning, focusing on financial disaster prevention. Roger is dedicated to helping you “Live the Life YOU Want to Live”™️ by equipping you with the knowledge to grow, preserve, and protect your financial health and wealth.

    In his spare time, Roger enjoys quality time with his family, raising his daughter, and running.

CO-FOUNDER, PRESIDENT/CEO

  • Cheryl was born and raised on O‘ahu and currently resides in Kāne‘ohe with her husband and daughter. She earned her Bachelor of Arts degree from the University of Hawai‘i – West O‘ahu and brings 25 years of experience in the financial industry, offering knowledgeable support to the team and quality service to our clients.

    As Client Care Specialist, Cheryl plays a vital role in ensuring that every client’s onboarding experience is smooth and seamless. She manages the administrative process with precision—working closely with carriers, underwriters, and our internal team to make sure all documents are completed accurately and submitted on time.

CLIENT CARE SPECIALIST

REGISTERED ADMIN

  • Jarret was born and raised on Oʻahu and is a proud graduate of the University of Hawai‘i at Mānoa, where he earned a degree in Finance and learned the importance of financial literacy, especially for individuals and families in Hawai‘i.

    After graduating, Jarrett began his career in the financial services industry, driven by a passion to empower others with the knowledge and tools to achieve financial independence. At HiLTCS, Jarrett supports Roger and the team by analyzing and preparing client plans, helping ensure they are implemented successfully, and assisting with various administrative tasks.

    Jarrett believes in continuous learning and self-improvement, he strives to make a lasting and positive impact on the people, communities, and culture of Hawai‘i. He lives by a guiding principle shared by St. Jude founder Danny Thomas: “Success in life has nothing to do with what you gain in life or accomplish for yourself. It's what you do for others.”

    Outside of work, Jarrett enjoys spending quality time with his wife and their cat, staying active at the gym, hitting the golf course, and honing his skills with card tricks.

ADMINISTRATIVE ASSISTANT

  • Joleenna is a high school student with a keen interest in finance and aspirations of becoming a business owner, inspired by her mother's entrepreneurial journey. Despite her youth, she is known for her exceptional communication skills and natural ability to attract business opportunities, bringing a positive outlook and creative problem-solving to our team as she continues to learn and grow in her role.

    Outside of work, Joleenna is involved in high school paddling and excels academically as a National Junior Honor Society member with High Honors. She also co-founded Operation Wrap It Up, which has donated over 100 gifts to children at Shriners Children's Hospital. Her future goals include achieving independence and supporting her parents in gratitude for their support.

Roger’s Personal Caregiving Story

Not knowing what will happen in our future, we can only plan for what may come and hope for the best outcome. Like many children in grade school, Roger was often asked by teachers what he wanted to be when he grew up. Being a caregiver was never part of the equation, nor is it something you typically plan for. However, when the need arises, it forces you to act decisively to prevent a challenging situation from getting worse.

In recent years, caregiving for two older family members has been a true "game changer" for Roger. The unexpected nature of this responsibility brought profound meaning to the career path he ultimately chose to follow. Caregiving is filled with emotional, physical, and financial challenges, compelling you to become resilient in overcoming whatever comes your way.

You can view caregiving as either a curse or a blessing. Roger has chosen to see it as a blessing. It has given him the strength and compassion to help others plan and prepare for their futures by tailoring plans to their specific needs. His experience has equipped him with the empathy and understanding necessary to guide families through the complexities of long-term care planning, ensuring they are better prepared for whatever the future holds.

Contact us.

Give us a call, email or fill out this form, and we’ll get back to you as soon as possible!

info@hilongtermcaresolutions.com
(808) 749-7600