Steven Chau, CFP®

About Steven Chau, CFP®

I’m Steven Chau, owner of Know Your Worth Financial and a CERTIFIED FINANCIAL PLANNER™.

Know Your Worth Financial was started to help immigrants and young minority professionals achieve financial independence in an increasingly complex financial environment. We help clients achieve this by simplifying personal finance and by offering a safe space for people to talk openly about money and get the tools necessary to build a thriving financial future.

Growing up in Arizona as a second-generation Chinese-American, outside of being told just to “save more and spend less”, conversations around money didn’t get much more complex. It wasn’t until I started my career in finance that I learned how underprepared my generation was when it came to personal finance.

During my decade in the financial services industry, I observed a woeful lack of attention paid towards millennials and minority communities. As I progressed in my career, traditionally firm prerequisites like net worth and investable made it more and more difficult to help the people I was closest to.

I started Know Your Worth Financial to move away from that traditional structure and work with more people like you.

I hope you enjoyed learning a little bit about me.

I look forward to meeting you and learning about your journey!

Abel Soares III, CFP®, CPA

About Abel Soares III, CFP®, CPA/PFS, Masters of Accounting – Taxation

We focus on providing honest and personalized life and financial guidance, as independent fiduciary advisors and coaches, to help you achieve your most abundant life. We are comprised of our CEO who is a CPA/PFS, CFP and have psychologists on board for financial and life coaching to accompany our technical advising.

Our founder, Abel Soares III, had the vision to build a group of member firms where he would be able to share and utilize his knowledge to give back to those trying to better themselves and their lives. As a devoted husband and proud father of two boys, Abel set out to start a business where he could build a legacy for his family and be available for his family and clients. Abel is part Native Hawai’ian; and he grew up in Southern California, Idaho, and Oahu, Hawai’i. Abel obtained his Masters in Accounting Taxation from Boise State University and went on to work for regional and international CPA and Consulting firms for over 5 years. In these roles, he learned a great deal about various types of business models, industries and the secrets to success. He started his own successful tax and consulting business after obtaining his CPA (Certified Public Accounting License), and soon after discovered his true passion in personal financial planning. After a total of 8 years in the accounting and financial arena, his vision began to grow on how he could best serve clients. Once he obtained his CFP (Certified Financial Planner) and PFS (Personal Financial Specialist) designations, his vision for Hui Malama Advisors LLC and the member firms started coming into focus. Along the way, he noticed that the biggest factor of effective financial management, outside of being educated about finances, was the individual’s mindset. This meant that someone with expertise in addressing the human psyche was necessary to provide a more holistic approach to financial planning. Abel set out to find business partners who could help him turn his dreams into a reality. He naturally started with his best partner of all – his wife, Sadé – who is currently completing her doctoral degree in clinical psychology. Together, they made Abel’s vision a reality by incorporating both financial and life coaching; and Hui Malama Advisors LLC was born. Abel has paved his own path into the world of entrepreneur-ism and has also invested in other businesses. He looks forward to using his years of experience in financial planning, consulting, and accounting to assist you in living your most abundant life through The Hui Malama Advisors LLC member firms.

Matthew Ramos, CFP®

About Matthew Ramos, CFP®

MAR Financial Planning, LLC is led by Matthew A. Ramos, CFP®. I founded MAR FP with the mission to provide affordable and straightforward financial planning and investment management for everyone. I have been in the financial advisory industry since 2001 and became a CERTIFIED FINANCIAL PLANNER™ professional in 2010. Over the course of my career I have developed a variety of skills as an advisor, analyst, portfolio manager, trader, and chief operating officer. I have worked with a wide range of clients and previously specialized in advising professional athletes.

I am compassionate, empathetic, and patient because I’ve struggled with many financial issues too. When I was in my early 20s I had credit cards cancelled because I could not even make the minimum payments and lived paycheck to paycheck. I let cash burn a hole in my pocket rather than save it, let alone invest it. But those bad decisions taught me great lessons about discipline, making smarter decisions, delaying gratification, saving money, planning, and investing for the future. I am confident you can benefit from the professional expertise and life experiences I have to offer.