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Fred Kazmierski CLU, LUTCF, CLTC

Fred is the owner and founder of Northstar Educational Services. He entered the financial services business in 1971 and is well qualified in insurance and investments, specializing in business needs analysis, asset protection and the estate liquidity process.
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Robin Wong, MBA

Robin has been licensed in the Hawaii insurance industry since 1977, both in life/health and property/casualty. He has held positions as an Account Executive with a local agency as well as a licensing instructor and a Continuing Education facilitator.
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William D. Hanzlik RHU, CLTC

Bill has worked in the financial services area since 1977. He specializes in the life insurance and IRA rollover areas. Bill is a Registered Health Underwriter (RHU) and has served as an expert witness in US District Court in Minneapolis.
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Ben A. Kazmierski, ChFC

Ben manages and oversees Northstar Educational Services, including student administration and course management. Ben has also worked in financial services as an advisor since 1998.
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