A clear plan to pay off your debt faster
See exactly when your debts get paid off at the payments you make today, and what that costs in interest. Then sit down with a Hawaii-licensed agent who walks you through options that fit your budget, in English or Vietnamese.
How it works
- 01
List your debts
Credit cards, car loans, student loans, your mortgage. You only need the balance, the interest rate and what you pay each month.
- 02
See your payoff date today
The calculator shows how long each debt takes at your current payments and how much interest you will pay along the way.
- 03
Review your options with Sony
A free one-on-one review with no obligation. Some families use a cash value life insurance strategy, and we explain exactly how it works, what it costs, the risks, and whether it fits you. For many people a simple payoff order is the better answer, and we will tell you so.
Your debt today
Enter each debt. Nothing you type here is saved or sent anywhere.
Enter a balance, a rate and a payment to see your results.
Estimate for education only. It assumes your rates and payments stay the same and no new charges are added. It is not financial advice.
What to know
- This is not a debt consolidation loan or debt settlement. Nothing about your credit or your loans changes unless you choose to change it.
- If a life insurance strategy is discussed: policy loans charge interest, unpaid loans reduce the amount your family receives, and a policy can lapse if loans grow too large. Cash value builds slowly in the early years, so it is a long-term plan, not a quick fix.
- Life insurance requires health and financial underwriting, and not everyone qualifies.
- Wealth Pro HI does not give tax or legal advice. Talk to your tax professional about your own situation.
Questions families ask first
Will this hurt my credit?
Using the calculator or booking a review does not touch your credit, and we never pull a credit report. If you later apply for a life insurance policy, the insurance company reviews your health and financial information as part of its approval.
Is this debt consolidation or a loan?
No. We do not lend money, consolidate debt or negotiate with your creditors. The review looks at what you pay today and the options you have, including simply paying your debts in a different order.
What does the review cost?
Nothing. The review is free and there is no obligation to buy anything. If a life insurance policy makes sense for you, its premium is shown to you in writing before you decide. If you buy a policy, Sony is paid a commission by the insurance company.
What is a cash value life insurance policy?
It is permanent life insurance, such as whole life, that builds a cash value over time alongside the amount paid to your family. You can borrow against the cash value, but loans charge interest, reduce what your family receives if they are not repaid, and can cause the policy to lapse. Cash value grows slowly in the first years, so it only makes sense if you can keep paying the premium for the long term.
Do I have to live in Hawaii?
Yes. Sony is licensed in Hawaii only, so the review and any policy are for Hawaii residents.
Can we talk in Vietnamese?
Yes. Sony speaks Vietnamese and English, and many families bring a parent or a spouse so everyone hears the same thing.
Who you'll talk to
Sony Ho
Hawaii-licensed insurance producer · License #18171750
- Based in Honolulu and part of the local Vietnamese community.
- Reviews are in English or Vietnamese, by phone, Zoom or in person on Oʻahu.
- You talk to Sony directly from the first call to the last, not a call center.
Book your free debt review
About 20 to 30 minutes, by phone, Zoom or in person on Oʻahu. No cost and no obligation.
(808) 383-7520