Business
Erika Del Toro, a big influence in the financial industry
Moving to the U.S was the first part of Erika’s journey, as she always knew that she was going to make things happen for herself. Her gut instinct always reassured her, and she was focused on being an entrepreneur and making a name for herself. Del Toro describes herself as a self-made millionaire, a life insurance agent, and one of the first Latinas to cross a million in income as an agent. Erika is also the co-owner of PHP agency alongside her siblings.
Toro is a big influence and motivational speaker in the Latina community, Erika Del Toro managed to create amazing opportunities for herself and her PHP Agency and built her own empire, which has now made her a millionaire. She pours so much belief in so many people’s lives, and always states when you pay people’s bills, yours are paid on its own.
She plunged into real estate after many people advised her to read self-development and entrepreneur books. After succeeding in that field Erika’s sister suggested they dive into the life insurance industry. Although the idea of starting a new company from scratch was nerve-racking, Del Toro always says success tastes good after the struggle, and diving into that side of the industry was one of the best decisions she has made.
When asked what legacy would you like to leave behind for yourself? Erika Del Toro responded with: “I was able to inspire my Latin community that anything is possible. Success tastes good after the struggle, is one of my own quotes. What I mean by that is when you work hard you can accomplish anything.”
Understand success with @erikarubideltoro on Instagram
Business
Private Listings by Harold X. Clarke: A New Approach to Fine Real Estate
Byline: Andi Stark
Private Listings by Harold X. Clarke, a real estate platform operating across Hawaii, is rewriting how properties are bought and sold in the region. Unlike larger firms reliant on public listings and mass marketing, Private Listings’ strategy prioritizes personalization, privacy, and meticulous curation of ultra-high-end, off-market properties, including oceanfront estates, gated community residences, and architectural masterpieces.
Harold Clarke, founder of Private Listings, describes their method as one that rejects “cookie-cutter solutions in favor of understanding the nuances of both buyers and sellers.” This approach has resonated with ultra-high-net-worth individuals (UHNWIs) seeking refined and discreet real estate transactions.
The Hawaiian real estate market remains a hub for global investors, with the median price for a single-family home in the state reaching $900,000 in 2024, according to the Hawaii Association of Realtors. Within this competitive landscape, Private Listings is building up to be a trusted name for properties that extend beyond luxury into generational investments.
Challenging the Industry Norms
Private Listings deliberately avoids the conventions of large-scale real estate firms. By focusing on fewer, higher-value properties, the company ensures that each transaction is treated with the same level of care and confidentiality.
Public listing platforms, while effective for broader markets, often expose sellers to unnecessary attention or unqualified inquiries. For Clarke, this model is misaligned with the needs of UHNWIs. “Privacy isn’t a luxury for our clients—it’s a necessity,” Clarke explains.
This philosophy has led Private Listings to handle some of Hawaii’s most significant real estate transactions, including off-market properties valued at over $40 million. Its success is not measured by the volume of listings but by the depth of trust built with clients, many of whom return for subsequent transactions.
Adapting to Changing Client Demands
While Private Listings maintains a foundation of traditional practices, the firm also recognizes the evolving needs of its clientele. The global real estate market is increasingly influenced by concerns over digital security, with a 15% rise in data breaches targeting high-net-worth individuals in the past three years, according to cybersecurity firm NortonLifeLock.
To address these risks, Private Listings employs rigorous screening for potential buyers and uses secure platforms for communication and transactions. The firm’s “by invitation only” model ensures that clients remain protected from the pitfalls of public exposure. Clarke notes, “Our goal is not just to sell homes but to create an environment where clients feel safe and confident during every step of the process.”
The Human Element in Real Estate Transactions
Despite advancements in technology, Private Listings firmly believes that real estate transactions cannot be reduced to algorithms or automation. Unlike firms that depend heavily on online data aggregation, Private Listings emphasizes human connection and insight.
The company’s sales strategy integrates personalized client interactions, in-depth market analysis, and years of experience navigating Hawaii’s unique real estate ecosystem. Clarke’s background in managing family assets and his global perspective is significant in shaping this essence.
Future Directions for Private Listings by Harold X. Clarke
As Hawaii continues to attract global attention, Private Listings aims to expand its influence within the state while maintaining its core principles. The company is currently developing a new platform to streamline services for UHNWIs, blending their demand for discretion with seamless access to Hawaii’s finest off-market properties.
Additionally, Private Listings is strengthening its ties with local communities, recognizing that sustainable growth benefits both the company and the islands’ ecosystems.
Private Listings by Harold X. Clarke has set itself apart in Hawaii’s real estate scene by moving away from the typical mass-market approach. Through a mix of traditional values and modern sensibilities, the firm continues to define what it means to transact ultra-high-value properties with integrity and care.
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