Welcome to Kekoa Capital <em>Financial Planning That Puts You First</em>
The idea for Kekoa Capital started back in college. Even as a finance major, I had countless questions about personal finance.
How much should I really be saving? Which student loan repayment plan makes the most sense? How do credit cards actually work and how do you use them responsibly without falling into debt?
After graduating, the questions only grew. Employee benefits, insurance decisions, buying a home, credit scores—there was so much to consider, and it was hard to know where to even begin. I realized early on that financial planning isn’t just about numbers, it’s about understanding how your money supports your life and goals.
The Gap in Traditional Financial Planning
As I began my career, I worked for a financial advisor and quickly noticed a pattern. His practice—like many others—was designed to serve people who were already well into their financial journey. Clients were approaching retirement, rolling over large accounts, and primarily focused on investment management.
While this approach works for some, it often leaves others without support. For those just starting out—building good habits, learning how benefits work, and trying to make thoughtful decisions with the money they were earning for the first time—guidance was limited.
After leaving that practice and searching for firms that truly supported all stages of planning, I realized how few resources existed. Too often, financial planning doesn’t begin until someone has a large sum to invest, leaving a huge gap for those who are in the foundational stages of their financial lives.
Why Kekoa Capital Exists: A Client-Centered Financial Planning Firm
That realization is what led me to start Kekoa Capital. I believe financial planning should be about helping people build a strong foundation—one that can support both the opportunities and challenges life brings.
While financial products can play a role, they shouldn’t be the center of the conversation. Planning should. We should understand what our money is doing, the things we are buying, and how each step impacts our larger goals.
At Kekoa Capital, the focus is on you—not on complicated products or aggressive strategies. My mission is simple: help you feel confident in your financial decisions so your money works for you, not the other way around.
Who Kekoa Capital Is For
Kekoa Capital is designed for people who are building their financial lives—not just managing them. Whether you’re early in your career, navigating a transition, or simply want to feel more confident about your money, this approach is for you.
Some of the clients I work with are just starting to save for their first home. Others are looking to understand how their employee benefits can support their long-term goals. Many want clarity on managing debt, planning for retirement, or even deciding when and how to make a big career change.
Financial planning isn’t one-size-fits-all. Everyone’s journey looks different, and that’s why a personalized approach is so important.
What It’s Like to Work Together
Working together isn’t about being told what to do or handed a complicated report full of jargon. It’s about asking questions, understanding your options, and creating a plan you actually feel comfortable following—at your own pace.
We guide clients through each step, helping them feel confident and informed. Together, we identify priorities, map out strategies, and ensure that every decision aligns with your values and goals.
Financial planning should feel like a conversation—not a lecture. We want you to leave our sessions feeling empowered, not overwhelmed.
Real-Life Scenarios
Sometimes, the best way to understand the impact of financial planning is through examples.
Student Loan Repayment: One client came to me unsure how to tackle their student loans. Together, we reviewed repayment options, identified strategies to save on interest, and created a plan that aligned with their short- and long-term goals. Within a few months, they felt more in control and less stressed about debt.
Buying a Home: Another client wanted to buy their first home but didn’t know how much to save or what kind of mortgage to pursue. We broke down their budget, evaluated different loan options, and created a timeline for saving for a down payment. By the time they were ready to make an offer, they felt confident and prepared.
Career Transition: A client navigating a career change was concerned about income fluctuations and benefits. We developed a strategy to maintain financial stability while pursuing their dream role, including budgeting, emergency funds, and investment planning.
These examples aren’t extraordinary—they’re everyday situations that many people face. The difference is having someone to guide you, answer your questions, and provide clarity.
Common Financial Challenges
If you’re just starting to learn more about finances, you may relate to some common challenges:
Managing Debt: Understanding how to pay off student loans, credit cards, or other debt while still saving for the future.
Saving for Retirement: Knowing when and how to start investing, even if it feels far off.
Employee Benefits: Making the most of 401(k)s, health savings accounts, and insurance options.
Major Life Decisions: Buying a home, starting a family, or transitioning careers—these milestones have financial implications.
At Kekoa Capital, we tackle these challenges together, providing guidance that is clear, actionable, and personalized.
A More Human Approach to Financial Planning
At the core of Kekoa Capital is the belief that money decisions are deeply personal. Emotions, values, and life experiences all play a role—and they deserve just as much attention as the numbers.
Financial planning isn’t just about spreadsheets and investment returns. It’s about helping you feel confident, empowered, and prepared for life’s uncertainties. That’s why we focus on clarity, understanding, and building a plan that fits where you are today while preparing for what’s ahead.
No lectures. No confusing language. Just thoughtful guidance, honest conversations, and a plan designed around you—so the money you work hard for can truly work for you.
Tips for Building a Strong Financial Foundation
To give you a head start, here are a few practical tips I share with clients early in their financial journey:
Track Your Spending: Know where your money is going before making big decisions.
Create an Emergency Fund: Even a small buffer can prevent financial stress.
Take Advantage of Benefits: Your employer may offer retirement accounts, health savings accounts, or other perks—use them wisely.
Start Small, Think Long-Term: You don’t need a large income to start planning. Consistency matters more than size.
Ask Questions: Never hesitate to ask what something means—financial literacy is key to confidence.
These simple steps can make a huge difference over time, laying the groundwork for more advanced planning down the road.
Ready to Take the Next Step?
If this approach resonates with you, we invite you to explore Kekoa Capital further. Whether you’re just getting started or looking for clarity around your next steps, you don’t have to figure it out alone.
Together, we can build a financial plan that is thoughtful, personalized, and designed to help you live the life you want. Your journey is unique, and your plan should be too.
