Richard Ray is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He previously worked at Stifel for 13 years before joining Raymond James in 2025. Outside of his advisory role, he performs as a bassist locally in Honolulu. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and charitable organizations. The firm offers tailored financial planning and non-discretionary consulting supported by extensive research, portfolio management options, and specialized municipal advisory services.

Judy Chong Ng is a CFP®-certified financial advisor with 27 years of industry experience. She currently works at Raymond James & Associates and previously held roles at Bank of America and Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering financial planning and investment consulting with a range of portfolio management styles and affiliated research.