Financial

Many families try to set up housing or financial trusts on their own to secure the future of their loved ones with disabilities. While well-intended, these solutions often become unstable over time due to:

🔹 Changing family circumstances – Relationships, financial situations, and life dynamics evolve.
🔹 Lack of long-term management – Individual trusts rely on family members, who may not always be available.
🔹 High costs – Managing finances, legal structures, and housing on a small scale is expensive.

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A more sustainable approach is needed—one that reduces risk, expands options, and provides long-term security.

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The Harikoa Cooperative Investment Fund

Harikoa Life is developing a cooperative investment fund designed to:

✅ Provide long-term financial security – Ensuring housing and support services remain stable.
✅ Offer a wider range of housing options – Allowing people to transition as they age or as their needs change.
✅ Reduce costs – Pooling resources to spread financial management costs across many people.
✅ Be professionally managed – Working with expert investment and wealth management firms to maintain security and transparency.

✅ Be significantly less exposed to government changes and fiscal challenges.

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By working together, we can ensure that people with disabilities have a stable, well-funded future—without relying on fragile, individual solutions.