aloha, i live in kona, howdy neighbor !

i watch the suze orman show on tv, she’s a excellent financial advisor.
you can call in with your questions and get the answer you need or you could check out her web site and possibly find out answers too.
i’d be guessing so i don’t want to blab about what i don’t know as fact in your case, so give her a try.
she is awesome !