Kersten and Associates  900 Fort Street Mall, Suite 400, Honolulu Hawaii 96813 Phone (808)531-3137  Fax (808)261-2626  kerstenandassociates@live.com

Kersten & Associates' objective is to provide you with information and assistance regarding Long Term Care planning. We will help determine whether a Long Term Care insurance program is suitable and meets the needs and goals of each individual and his or her family. We will work with you to evaluate the available plans and help design the most effective program with regard to personal objectives and financial needs. As specialists in Long Term Care, we are committed to providing you and your family with the best products and service now and in the future. 

We have over 40 years of insurance industry experience, specializing in the areas of individual and group/employee insurance benefits, including Life, Disability and Long Term Care.

Richard Kersten grew up in Los Angeles, the son of a professional musician and educator. He graduated from USC with a degree in finance and real estate, and moved to Hawaii in 1972. Richard is a member of the National and Hawaii Association of Insurance and Financial Advisors and a Life Member of the Million Dollar Round Table. He recently celebrated his thirty-fifth year in the insurance industry, 30 of which were with Northwestern Mutual. His hobbies include golf, flying remote control airplanes and fishing in Mexico and Alaska. His wife, Sandy, balances her time with work as a licensed optician and being involved with community activities. Richard’s youngest son, Harry, is a junior at Pact University in New York City, his daughter, Denise, is a graduate of the University of Hawaii's TIM School, and his eldest son, Chase, is a practicing architect in Honolulu. 

Mary Murphy Mattos had been in the insurance business for 19 years before joining Richard as his associate in 1988. Born and raised in Philadelphia, Mary first came to Hawaii to attend Chaminade University. She ultimately received her degree in Psychology from St. Joseph's University in Philadelphia. When she returned to the islands in 1980, she brought with her a wealth of experience in the field of employee benefits. Mary is a Certified Long Term Care Specialist (CLTC) and continues to pursue educational coursework to keep to-to-date in her insurance practices. While in her youth she took flight as an amateur parachutist, she has her feet rooted firmly in her home in Kailua, which she shares with her husband, Frank, a retired Professor in English at the University of Hawaii, where they both enjoy swimming, gardening, and reading.