Life’s next adventure is waiting.

Start planning for your retirement with
Perpetual Wealth Group.

Life’s next adventure is waiting.

Start planning for your retirement with
Perpetual Wealth Group.

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Perpetual Wealth Group is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.

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Planning Process

Retire with Confidence.

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

Start Smart

Apply Discipline

Communicate Progress

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life

Liquidity

Limited access to assets to meet life’s unexpected financial needs

Inflation

Reduction in real purchasing power as the result of increasing cost of living

Market

Unexpected reduction in the value of financial assets at the time of withdrawal

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of college education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase your or your loved one’s future retirement income with a tax-efficient, capital-leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

College Funding

Make the investment in your child or grandchild’s future with the gift of collect education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

  • Annual Review

  • Monthly Newsletter
  • Client Portal
  • Educational Events

  • Client Events
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Team

Read about the advisor and staff and learn the history of the business. See contact information for each person and click to email or call individuals in the business.

Hendra Wijaya, Founder and President

Hendra Wijaya is the founder of Perpetual Wealth Group. He has built a solid record of accomplishment and a reputation of excellence among his clients and colleagues. He spent well over 23 years committed to educating individuals, families, and business owners on how to best position themselves for financial success. He understands the top 25% of income wage earners in America are responsible for about 86% of tax revenues generated for the government. They are considered the wealthy Americans. He truly believes the wealthy understand these tax issues and have been implementing strategies for many decades on how to reduce or completely eliminate taxes altogether during their retirement.

He believes in a comprehensive approach when it comes to providing quality advice about clients’ finances, wealth management, and preservation. He specializes in designing and creating assets for top-income earners to escape the retirement tax trap, want more tax-free retirement cash flow, protection from market crashes and increasing taxes, and potential double-digit growth.

Hendra graduated with a bachelor’s degree in management information systems from Brigham Young University-Hawaii. During his pursuit of his degree, he completed courses and developed specialized skills in business finance, accounting, human resource management, economics, business strategies, marketing, business communications, and business management.

Hendra has been a resident of Las Vegas for over 23 years. He is married to his best friend, Debora Mila Wijaya, and blessed with three adult children. He is an avid golfer and loves to spend his free time hanging out with his family.

Chuk (Emma) Che

Emma completed her undergraduate degree in political science from Brigham Young University – Hawaii. 

Being born and raised in Malaysia with Chinese roots and influences, she was very intrigued by the Western culture and how the two cultures blend through the influence of Christian faith. 

She started her career in the commercial insurance space and later moved towards personal finance. 

She is passionate in providing solutions to individuals and families on how to protect what they value most. She enjoys working with individuals and families, helping them with financial strategies that fit their philosophy and pocketbook.

While raising her three boys as a single mother, she transitioned to work as a support staff for Morgan Stanley. She worked in their retirement department, then Chairman club, supporting high volume financial advisors, and then moved to customer services department in helping high net worth clients directly.

Emma joined Fidelity to help kick start the Mandarin support services team in the Stock Plan department. She helped servicing Fidelity clients who have employees and executive employees in China and Taiwan.

Later, Emma transitioned to providing service to high-net-worth clients of Fidelity. She helped with trades and resolved any other concerns that they had with their accounts. 

Emma is fluent in Mandarin and has a strong entrepreneurial spirit. She obtained her master’s degree in business administration and opened a few restaurants that she eventually consolidated and sold. 

After seeing the success of her longtime friend, Hendra Wijaya, Emma decided to join forces with him to help people around her and those she may come in contact with, to achieve financial stability and protect what they value most.  

She believes in being honest and straightforward when it comes to helping clients with solutions to their financial needs. She is looking forward to seeing the good that will come about through her commitment to help people be more efficient with what they have.

Aaron Kim

Aaron was born in Honolulu, Hawaii and has resided there his whole life. In his free time, he enjoys working out, spending time with family and friends, and traveling the world with his wife, Sarah.

He is a huge advocate for proper financial planning, and understands the importance of maximizing your assets and reducing your financial risk. He has since dedicated his career to helping families achieve their retirement dreams.

William Heninger

William Has been in the insurance and financial services business since 2006. For the last 15 years, he has owned his own agency helping business owners and individuals with their financial strategies.

In 2005 William studied and passed his qualifications for becoming a Certified Senior Advisor, CSA and has continued his certifications in the insurance and financial fields. Willaim is focused and committed to providing valuable information that other advisors rarely discussed. He helps individuals, families, and business owners on how to best position themselves for financial success while protecting them from critical losses caused by Life, Health and Accident and safeguarding his client’s wealth and income by analyzing each client’s personal economic profile and help them find money they are losing unknowingly and unnecessary in the economic climate. To accomplish his mission William resourced and developed an integrated relationship with Perpetual Wealth Group.

By using Perpetual Wealth Group’s business model, William has developed a more powerful comprehensive approach when it comes to providing quality advice about clients’ finances, wealth management, and preservation. This allows William to specialize in designing and creating assets for top-income earners to escape the retirement tax trap, want more tax-free retirement cash flow, protection from market crashes and increasing taxes, and potential double-digit growth.

William Studied Business at Indiana University South Bend. During that time unforeseen life events interrupted the pursuit of his degree, however it allowed him to gain real world experience in managing all aspects of business as he helped run his father’s business. Those events helped William to see how important planning is. During his time in managing the family business William honed his skills in business finance, accounting, business strategies, marketing, business communications, and business management.

William has spent most of his life in Indiana. However, he moved to the Las Vegas area in 2011. He recently moved back to Indiana to help his aged Mother and father. He has 2 children. He loves the outdoors, is an avid golfer and spends most of his time with family.

Nicholas Kasai

Nicholas is a dedicated producer with a strong commitment to helping clients secure their financial futures.  Having personally owned life insurance since the age of 17, he has a deep understanding of the importance of protecting your wealth and planning ahead.  He is passionate about helping clients become aware of potential areas where they may be losing money and advising them on strategies to maximize their wealth for retirement.   

Nicholas was born in Hawaii and has lived there his whole life.  In his spare time, he enjoys working on cars, training Brazilian jiujitsu, and trying new restaurants.  He is excited to help new clients and build trusting relationships through exceptional service.

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Resources

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