After decades of working in the field of substance abuse counseling, criminal justice reform, and belief change therapy, I’ve seen a painful truth play out across families of all socioeconomic backgrounds — money can either fuel destruction or fund transformation.

In non-profits, I saw the constant scramble for funding — how mission-driven organizations are often bound by financial handcuffs. In for-profit treatment, I saw billing systems often take priority over real recovery. And in family systems, I witnessed something even more troubling: the destruction of generational wealth by addiction, criminal thinking, or untreated behavioral issues.

That’s when I realized: my financial roots, which I set aside years ago, were never meant to be left behind — they were meant to be merged with my life’s work.

Families don’t just need healing. They need protection. Not just from financial market volatility, but from internal threats: the heir who isn’t ready, the addict who could be manipulated, the relative with a history of impulsive behavior.

What happens when the inheritance lands in the wrong hands?

My work now focuses on solving that problem — helping families, especially those with vulnerable or high-risk loved ones, create smart, compassionate financial strategies that protect both people and legacies.

This includes:

• Building trusts with provisions that protect assets from manipulation and relapse
• Designing wealth transfers that incentivize positive behavior and personal growth
• Helping donors support treatment centers and causes they care about — efficiently and with impact

Whether you’re a parent worried about “what happens after I’m gone,” a non-profit leader seeking sustainability, or a treatment professional trying to preserve your mission — I bring something rare: a fusion of behavioral insight and financial design.

It’s not just about protecting money. It’s about preserving families.

Let’s talk about how we can align your values with your wealth — and protect what matters most.

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Call me now to discuss what is important to you, your family and your legacy. 808 385 4550.

When most people think of life insurance, they picture family protection—not billion-dollar strategies. Yet among the ultra-wealthy, life insurance remains one of the most powerful financial tools ever written into the tax code. Why? Because it delivers what every brain craves: security, leveraged growth, and legacy.

At the highest levels of wealth, every deduction, trust, and charitable plan is already optimized. Or is it?

The CPA may say, “You don’t need life insurance.” But the strategist knows it isn’t about need—it’s about arbitrage. The IRS taxes investment gains, estates, and income, but it doesn’t tax the growth or death benefit inside properly structured life insurance. That’s a loophole the Rockefellers mastered generations ago. They didn’t buy life insurance for protection; they bought it for permanence—to replenish family trusts, replace charitable gifts, and ensure each generation began where the last one left off.

Who do you love more than the IRS?

Imagine converting $10 million of idle cash into $40 million of tax-free liquidity held in a dynasty trust. The family wins. The chosen charity wins. The IRS loses. Every dollar compounds in silence—no 1099s, no probate, no forced liquidation. When structured with a charitable trust or ILIT, the result is a seamless cycle of giving and growth—a living legacy that never dies.

In the end, life insurance isn’t about dying. It’s about winning—financially, emotionally, and generationally—by turning tax law itself into your most loyal ally. That’s why the truly wealthy never “believe” in life insurance. They own it.

As a substance abuse counselor who has seen many heirs blow the family fortune on drugs, I can tell you as an insurance expert, that this is the way to protect the fortune that you may have worked a lifetime to build.

Why not call me now to solve these problems! Ph: 808 385 4550.

If you are looking to benefit a charity by December 31, we better act fast. Look at the Pacific Whale Foundation for charitable donation ideas. They are a wonderful organization. Tell them Stan sent you.

But call me for creative ideas that you may not have explored yet.

Stan Dokmanus, CLU, ChFC, LUTCF, CSAC, CCJP, JCI Senator

“Service to Humanity, is the Best Work of Life.”

After decades of working in the field of substance abuse counseling, criminal justice reform, and belief change therapy, I’ve seen a painful truth play out across families of all socioeconomic backgrounds — money can either fuel destruction or fund transformation.

In non-profits, I saw the constant scramble for funding — how mission-driven organizations are often bound by financial handcuffs. In for-profit treatment, I saw billing systems often take priority over real recovery. And in family systems, I witnessed something even more troubling: the destruction of generational wealth by addiction, criminal thinking, or untreated behavioral issues.

That’s when I realized: my financial roots, which I set aside years ago, were never meant to be left behind — they were meant to be merged with my life’s work.

Families don’t just need healing. They need protection. Not just from financial market volatility, but from internal threats: the heir who isn’t ready, the addict who could be manipulated, the relative with a history of impulsive behavior.

What happens when the inheritance lands in the wrong hands?

My work now focuses on solving that problem — helping families, especially those with vulnerable or high-risk loved ones, create smart, compassionate financial strategies that protect both people and legacies.

This includes:

• Building trusts with provisions that protect assets from manipulation and relapse
• Designing wealth transfers that incentivize positive behavior and personal growth
• Helping donors support treatment centers and causes they care about — efficiently and with impact

Whether you’re a parent worried about “what happens after I’m gone,” a non-profit leader seeking sustainability, or a treatment professional trying to preserve your mission — I bring something rare: a fusion of behavioral insight and financial design.

It’s not just about protecting money. It’s about preserving families.

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🔷 Call me now if you want or need more information. Stan Dokmanus, CLU, ChFC, LUTCF, CCJP, CSAC

Let’s talk about how we can align your values with your wealth — and protect what matters most.”

Wanberg, Milkman and Beck tell us that, “There will be no long-term behavior changes unless you change core, permission-granting beliefs first.”

When should we begin belief change work in treatment? Beck says, “As soon as possible.” How soon is that? The first hour? The first day? The first week?

What is your favorite belief change intervention? Some beliefs can be changed in as little as 15-20 minutes. Change agents may want to look into this ASAP. It can be a DIY change.

If nothing changes, nothing changes. That is just as true for counselors, therapists and treatment providers as it is for clients or AA.

If you don’t have a belief change strategy to use for yourself or offer your clients, you might be interested in my book: Belief Eye Movement Therapy. Amazon.com. You might consider becoming certified to do BEMT.

Belief change is the purest form of harm reduction.