Steve Gibbs, Founder, Mahalo Advisory Services

Providing predictable, reliable and sustainable cash flow for your next best chapter in life.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

YOUR BILLS
HAVE DUE DATES.

MARKET RECOVERIES
DON’T.

Markets move on their own schedule.

Retirement expenses don’t wait.

That’s why retirement planning requires more than choosing investments.

It requires understanding when money will be needed.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@johnnynitafan Nope. We create retirement income people can rely on - that way they’re not dependent on the markets at the exact moment they need it the most.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

MORE INVESTMENTS
DON’T ALWAYS MEAN
MORE DIVERSIFICATION.

Different funds.

Different names.

Sometimes the same underlying risks.

The better question:

Do my investments serve different purposes—or simply have different names?

Diversification is about relationships,

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@RossyPrime “Confused”, “psychotic” and still “he/him”.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

KEEPING YOUR PLAN
IS STILL A DECISION.

Medicare Open Enrollment has begun.

Your current coverage may still be right for you.

But circumstances change.

Costs change.

Benefits change.

Needs change.

The better question:

Would I make the same decision today?

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@Ella_5b8 The Pretenders

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@Excellentsalvic A basic understanding of how pants work since I was three years old.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

GIVE THE
INCREASE
A JOB.

Social Security benefits are increasing 3.6% in 2027.

But additional income doesn’t automatically mean additional spending money.

It may need to offset rising expenses.

Or strengthen another part of your retirement.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

RELIEF IS NOT
THE SAME AS
RESILIENCE.

A temporary benefit
can improve today.

But retirement requires
preparation for tomorrow.

The better question:

If this benefit never arrives again,
does my plan still work?

Welcome the relief.
Build for resilience.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@CityScapesNC Not your country

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@otokyo__ What am I if I see Godzilla?!

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

YOUR BILLS
DON’T WAIT
FOR THE MARKET.

Some expenses can’t wait.

Some spending can.

And not every retirement dollar needs to perform the same job.

The better question:

Which expenses must be paid regardless of market conditions?

Prepare the income.
Give growth its time.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

THE PLAN YOU KEEP
MAY NOT BE
THE PLAN YOU HAD.

Circumstances change.

Assumptions change.

Needs change.

Good retirement planning doesn’t require everything to stay the same.

It requires the ability to adapt.

Less Prediction. More Preparation.™

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

THE RATE
ISN’T THE
ASSIGNMENT.

Before asking:

“What does it pay?”

Ask:

“What does this money
need to do?”

Different dollars can have
different jobs.

Good retirement planning
starts with the assignment.

Less Prediction. More Preparation.™

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@Macurian1 @onorma_ 💯💯🎯🎯

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@onorma_ The poor guys beer is empty and no one’s attending to that trauma. JK. No, What’s wrong is that guy needs to get off his butt and help with THEIR family.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@itsrosesm She should know-she’s married to the same.

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

@RossyPrime 😅😜😂😆

[Steve Gibbs, Founder, Mahalo Advisory Services @mahaloadvisory]

SOME OPPORTUNITIES EXPIRE.

Retirement isn’t only about
how much you have.

It is also about
when you have choices.

A planning opportunity available at 62
may not exist at 73.

The better question:

What choices do I have today
that I may not have later?