Joseph Appolito is a CFP® certificant with 54 years of industry experience, currently serving at United Planners Financial Services of America. He has held prior roles at Appolito and Associates Wealth & Retirement Planning, Commonwealth Financial Network, and Ameriprise Financial Services. Outside of advisory work, he is a co-owner of Charter Resources, Inc., a private company managing a family trust account, and works as a consultant in timeshare cancellations. United Planners Financial Services is a national wealth-management enterprise with approximately $12.77 billion in assets under management and about 359 advisors. The firm serves a diverse client base including individual investors, retirement plans, corporations, trusts, estates, and institutional clients, offering advisory and brokerage services primarily on a non-discretionary basis.

Jack Seymour is a financial advisor with Creative Planning in Honolulu, HI. He holds a Series 65 credential and has been in the industry since 2023, with prior experience at Northwestern Mutual and Interactive Brokers. His background also includes work in educational institutions and a business venture in Hong Kong. Creative Planning provides wealth management and financial planning services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, tax-loss harvesting, and selective private market exposure.

Aran Hiromoto is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at PlanMember since 2011 and is also vice president of Chinen & Arinaga Financial Group, where he has been involved since 1997. Hiromoto participates as a certified educator with National Benefit Services, delivering financial education presentations. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach to manage unitized, risk-based mutual fund portfolios and offers education, support services, and participant-level investment options.

Heidi Cregor is a financial advisor with J. W. Cole Advisors, Inc. in Honolulu, HI, holding a Series 66 designation and 25 years of industry experience. She has been affiliated with Financial Architects of Hawaii and related entities since 2013. Outside of advising, she serves as a board member of Halekipa Inc., a nonprofit focused on social services for homeless youth, and holds a national associate governor position with the Kerry Blue Terrier Club of the U.S.A. J. W. Cole Advisors operates through a large network of independent advisors, providing fee-based portfolio management, financial planning, and retirement services to individuals, high-net-worth clients, and institutions. The firm offers both discretionary and non-discretionary account management, employing a range of investment strategies and digital advice platforms.

Michael Staggs is a financial advisor with Primerica Advisors based in Honolulu, HI, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has worked at Park Avenue Securities and Guardian since 2009. Outside of his advisory role, he is involved in managing a family real estate-related business through Koa Partners LLC. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types and supports a range of financial planning and consulting solutions.

Michael Green is a CFP® professional with eight years of industry experience. He is currently an advisor at Creative Planning and has held prior roles at 3.21 Financial Planning LLC, Creative Planning, Inc., Homrichberg Wealth Management, and Truepoint Wealth Counsel. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning–led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supported by supplemental approaches and a centralized investment infrastructure.

Samantha Haas is a financial advisor at Guardian Life with five years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Park Avenue Securities. Haas serves on the boards of Friends of CASA Hawaii and the Hawaii Economic Association. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients.

Cody Momohara is a CFP® professional with 15 years of industry experience. He is currently with PlanMember Securities Corporation and Chinen & Arinaga Financial Group. His prior experience includes roles at LPL Financial, Tao Investments Hawai'i, Tsukazaki & Associates LLC, and Commonwealth Financial Network. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering ERISA Section 3(38) fiduciary services and participant-level investment options. The firm uses a top-down strategic asset allocation framework to manage risk-based mutual fund portfolios and delivers education and support services to plan sponsors and participants.

Cory Nakamura is a financial advisor at Creative Planning with 21 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at Mosaic Pacific Investment Advisors and Investment Management Hawaii. Nakamura is based in Honolulu, HI. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning–led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by advanced portfolio management techniques and a range of retirement plan services.

Andrew Kam is a financial advisor with Voya Financial Advisors, Inc., holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has been with Voya Financial Advisors since 2014. Outside of his advisory role, Kam operates as an independent insurance agent, specializing in fixed insurance products. Voya Financial Advisors serves a diverse client base including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and consulting through multiple program structures, with a focus on non-discretionary, recommendation-based advice.

Derek Tenn is a financial advisor with Eagle Strategies (NY Life) based in Honolulu, HI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Eagle Strategies since 2013 and has longstanding affiliations with New York Life and related entities dating back to 1999. Tenn serves as Membership Chair for the Rotary Club of West Honolulu and as Vice Chairman of the Rotary Club of West Honolulu Foundation, which provides scholarships and community services. Eagle Strategies serves a broad mix of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages the vast majority of its assets on a non-discretionary basis, working with a wide range of institutional sponsors within an integrated New York Life affiliate structure.

Benjamin Yeung is a financial advisor with Transamerica Financial Advisors in Honolulu, HI, holding Series 63 and Series 65 licenses and 16 years of industry experience. His background includes roles as a Registered Social Security Analyst since 2021 and involvement with World System Builders since 2006. Yeung assists clients with optimizing their Social Security benefits aligned with their retirement goals. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, using proprietary and third-party investment models with discretionary and non-discretionary program options.

Suk In Hong is a financial advisor with Eagle Strategies (NY Life) based in Honolulu, HI. She holds Series 65 and Series 63 licenses and has three years of industry experience. Her prior work includes roles at NYLIFE Securities LLC and New York Life Insurance Company since 2023, as well as non-industry experience managing Soju Bang from 2021 to 2023 and Choon Chun Chicken from 2014 to 2020. Eagle Strategies serves a diverse range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types tailored to client objectives and focuses primarily on non-discretionary assets under management within an integrated New York Life affiliate structure.

Spencer Dung is a CFP® with 13 years of industry experience, currently associated with Primerica Advisors in Honolulu, HI. His career includes roles at Park Avenue Securities and Guardian Life Insurance Co. of America since 2018, as well as prior positions at Foresters Financial Services and Foresters Advisory Services. He serves on the boards of several nonprofit organizations, including the Richard T. Blount Educational Foundation, NAIFA Hawaii, Make-A-Wish Hawaii Young Leaders Board, and is Vice President of the Friends of the University of Hawaii Cancer Center. Primerica Advisors serves a diverse retail client base with a combination of brokerage and advisory services, offering proprietary and third-party investment programs alongside financial and retirement planning. The firm employs a range of investment strategies, including model portfolios and alternative investments, supporting both discretionary and non-discretionary account management.

Marisa Sacks is a financial advisor with VOYA Financial Advisors, Inc. She holds Series 63 and Series 66 licenses and has 26 years of industry experience. Marisa has been with VOYA since 2014. Outside of her advisory role, she is licensed as an independent insurance agent and works as a real estate sales person assisting clients with buying and selling homes in Honolulu, HI. VOYA Financial Advisors, Inc. serves a diverse client base, including individuals, institutions, retirement plan sponsors, and high-net-worth clients. The firm offers financial planning, portfolio management, and consulting through multiple program structures, emphasizing recommendation-based advice and operating as both an SEC-registered investment adviser and broker-dealer.

Brandon Ramos is a financial advisor with Eagle Strategies (NY Life) based in Honolulu, HI. He holds Series 63 and Series 65 licenses and has two years of industry experience. Prior to joining Eagle Strategies, he served seven years in the United States Navy. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and manages a majority of its assets on a non-discretionary basis.

John Au is a financial advisor with Planmember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Planmember Securities since 2011 and has maintained a longstanding role with Chinen & Arinaga Financial Group since 1997. Outside of his advisory work, Au volunteers as an organizer for Shoebox for the Homeless at the Kaneohe Community Family Center and serves as a certified financial education presenter for National Benefit Services. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios, offering education, support, and personalized retirement planning to plan sponsors and participants.

Kelly Eng is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Guardian Life in Honolulu, HI. Her prior experience includes roles at Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she is involved in selling disability insurance to health professional students. Kelly works with Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and advisory services to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of investment advisory programs and financial planning services, including both discretionary and non-discretionary management options.

Wai Kee Chan is a financial advisor with Independent Financial Group, LLC, holding the CFP® designation and Series 63 and 65 licenses, with 27 years of industry experience. Prior to joining Independent Financial Group in 2025, he worked at Morgan Stanley Private Bank and Morgan Stanley from 2013 to 2025, Charles Schwab from 2006 to 2013, Hoefner & Arnett Capital Management, Inc., and DWS Investment Management Americas, Inc. He serves as a board member for the Financial Planning Association of Hawaii and Junior Achievement of Hawaii, where he participates in governance and supports financial literacy programs. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporations, pension and profit-sharing plans, and charitable organizations. The firm uses both proprietary and third-party models with a combination of passive and active investment strategies and offers financial planning, portfolio management, and retirement plan services.

Hayden Teruya is a financial advisor at Cetera Planning Partners with two years of industry experience. He holds the Series 63 and Series 65 designations and has worked at several firms including The Retirement Planning Group and First Hawaiian Advisors. Cetera Planning Partners serves individual and high-net-worth clients, with a focus on pre-retirees and retirees, offering investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm integrates ancillary services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers, supported by a diversified investment approach tailored to client objectives and risk tolerance.