Navigating life's most important financial decisions — together.
Independent retirement coordination on Hawaiʻi’s islands that looks at the whole picture — Medicare, retirement income, life insurance, long-term care, and legacy — so nothing falls through the cracks and your family stays secure where you belong.
30 minutes. Complimentary. No obligation.
In Hawaiʻi, retirement means navigating the nation’s highest cost of living and longest life expectancy while protecting the home and family you’ve built.
We are fully independent — no carrier quotas, no silos — we coordinate every piece into one connected plan.
We start with your story. Every recommendation follows from that — never the other way around.
Licensed Insurance Producer • All Major Hawaiʻi Carriers • Over a Decade Serving Local Families
• License No. 18574189 • NPN 18574189 •
Nobody was looking at the whole family.
NFH was built to change that.
Gustavo Zabarain grew up watching families do everything right — save carefully and work hard— and still arrive at retirement exposed. Not because they planned poorly. Because nobody ever sat with them and looked at the whole picture.
Medicare agents focused on Medicare. Financial advisors managed portfolios. Nobody connected income, coverage, protection, and legacy into one plan that actually held.
He built New Found Horizon to be that missing coordination. Fully independent — no carrier loyalties, no quotas — with one obligation: the family in front of him. Gustavo and his family are based in Hāmākua, deeply rooted in this community, and bring over a decade of Hawaii-specific experience to every conversation.
Before he recommends anything, he understands everything. Every agent at NFH is held to that same standard.
They finally made it make sense.
“Gustavo patiently explained the different types of policies and helped me understand how each one could benefit my family’s financial future. They took the time to tailor a policy that fit comfortably within my budget.”
— Luisa H., Kailua Kona, Hawaii
Finally, someone who looks at your whole picture.
“I almost enrolled in the wrong Medicare plan without knowing it. Gustavo caught it before I committed — and showed me exactly what it would have cost me. I tell everyone turning 65 to call him first.”
— Paula J., Kamuela, Hawaii
If any of this feels familiar, you’re not alone.
You've done everything right. But Hawaii keeps getting more expensive and the retirement your parents had feels further away than it should.
You're on a fixed income and you need someone you can trust — not a pitch. Someone a friend vouched for who will take the time to make it make sense.
You're holding the family together from both ends. Your own retirement keeps getting pushed aside — and you know you're running out of time.
You're on a fixed income and you need someone you can trust — not a pitch. Someone a friend vouched for who will take the time to make it make sense.
Your coverage ends soon. Medicare decisions feel overwhelming and the deadline won't move. You just need someone who's done this before.
You're doing the late-night research your parents won't do. You need a real local person on the Big Island you can trust to look out for them when you can't be there.
How we work.
Step 1
Discovery
We listen first. Your full picture — situation, fears, and goals — before anything is suggested. No exceptions.
Step 2
Clarification
We identify the gaps, the risks, and the decisions approaching that can't be undone.
Step 3
Coordination
Medicare, income, protection, and legacy aligned as one connected plan. Not four separate conversations.
Step 4
Implementation
Every enrollment confirmed. Every document in place. Every next step communicated clearly. Nothing falls through the cracks.
Step 5 Ongoing Stewardship
We're here when life changes — annual reviews, proactive outreach, and guidance when something shifts that affects your family. Because it always does.
Retirement Income Planning
Making your retirement income last as long as Hawaiʻi’s cost of living demands.
Your whole picture.
One coordinated plan.
Social Security Strategy
Your actual claiming scenarios — not a general rule of thumb.
Medicare Made Simple
The plan that covers your doctors, your medications, and your situation — before you enroll.
Plan for Long-Term Care
Protecting what you’ve built from the cost of care in Hawaii.
Life Insurance & Legacy
Protecting your family’s future and the home you built together.
Protect Your Family’s Future
Mortgage protection, income replacement, and financial security for Hawaii families carrying everyone else.