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.

John Miyamasu is a financial advisor at UBS Financial Services with 53 years of industry experience. He has been with UBS since 1976 and holds the Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and employs proprietary research and model-based asset allocations to tailor financial plans to client goals and risk tolerances.

Tucker Torigoe is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Woodbury Financial Services, Inc. for 13 years. Outside of his advisory role, he owns a business selling toys and collectibles. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs proprietary asset-allocation tools and supports both discretionary and non-discretionary account management.

Winnie Lam is a Senior Financial Advisor at Merrill Lynch Wealth Management in Honolulu. She specializes in helping clients determine their long-term financial goals and implementing personalized strategies to address areas such as college education planning, retirement income, family wealth management, and services for endowments and non-profits. With over 20 years of experience in the financial services industry, Winnie provides guidance grounded in a comprehensive understanding of each client's unique financial situation. She holds a Master's degree in Finance from Hawaii Pacific University and a Bachelor's degree from the University of Hawaii System. Winnie maintains her professional designation as a Personal Investment Advisor (PIA). Fluent in Mandarin, Cantonese, and English, she is equipped to serve a diverse client base. Outside of her professional role, Winnie supports her community through involvement with organizations like Iolani School. Her personal interests include golfing, singing, spending time with her family, traveling, and practicing yoga.

Vernon Wong is a financial advisor with Raymond James Financial in Honolulu, HI, holding CFP® and ChFC® designations and bringing 41 years of industry experience. His prior positions include roles at Ameriprise, Bancwest Investment Services, and First Hawaiian Bank. He serves as a Board Regent for Chaminade University and is Treasurer and Director of the Jean Charlot Foundation. Raymond James Financial Services Advisors, Inc. provides financial planning and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Peter Tsukazaki is a financial advisor with LPL Financial based in Honolulu, HI, holding a Series 63 designation and bringing 42 years of industry experience. He has previously worked with Commonwealth Financial Network and New England Securities and operates his own firm, Tsukazaki & Associates LLC. He also serves as a successor trustee for a family trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and portfolio management solutions, including access to third-party managers and institutional platforms.

Jared Yuen is a Series 66-registered financial advisor with Ameriprise, based in Honolulu, HI, and has 19 years of industry experience. He has been with Ameriprise Financial Services since 2007, including six years with the current Ameriprise entity. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing annual advice focused on retirement income planning, using a non-discretionary approach supported by proprietary research and algorithmic tools.

Evan Grimes is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and has prior work experience at American Savings Bank and Bank of Hawaii. Outside of finance, he has worked in the hospitality and tourism sectors, including roles at Alan Wongs Restaurant and Maui Zipline Company. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with a range of program options.

Logan Taylor is a financial advisor with Raymond James Financial Services Advisors, Inc. in Honolulu, HI. He holds the Series 66 designation and has two years of industry experience. Prior to his current role, Taylor worked at N&K CPAs Inc. and held positions in education at Colorado Mesa University and local schools. Raymond James Financial Services Advisors provides financial planning and investment consulting to individuals, high-net-worth clients, institutions, and corporations. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and is notable for its municipal advisory affiliation and a range of specialized advisory programs.

Brad Yamanouchi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial strategies tailored to clients' individual goals, with expertise in areas such as college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Brad holds a Bachelor's Degree from the University of Hawaii System and carries professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his advisory role, he participates in community activities through volunteer work, reflecting the Merrill tradition of engagement in the communities served.

Reid Suzuki is a financial advisor at Ameriprise with 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves on the Board of Directors and as treasurer for the AOAO 1242 Matlock in Honolulu. Ameriprise offers retirement-income planning services tailored for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Aaron Ihori is a financial advisor with Ameriprise in Honolulu, HI, holding a Series 63 designation and 32 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its clients, primarily those with substantial investable assets.

Troy Torigoe is a financial advisor with Morgan Stanley in Honolulu, HI, holding a Series 66 designation and bringing 24 years of industry experience. He has worked with Morgan Stanley Smith Barney LLC since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by analytical tools and manages approximately $2.74 trillion in client assets.

David Garcia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at UBS Financial Services from 2012 to 2018. Outside of his advisory role, he co-owns a rental property in Honolulu with his spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Steven Gum is a financial advisor with Ameriprise in Honolulu, HI, holding a Series 63 designation and 36 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed written Recommendation Reports on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a centralized consulting approach and offers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Kenneth Barnes is a financial advisor with Equitable Advisors in Honolulu, HI, holding Series 63 and Series 66 licenses and 24 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at AXA Advisors, LLC. Outside of advisory services, he is involved as a member of 1DG LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives. The firm utilizes various advisory models and third-party asset managers to deliver tailored investment solutions.

Carmen Iao is a financial advisor with Cetera in Honolulu, HI, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Cetera and Cetera Investment Services LLC since 2017 and previously worked at American Savings Bank and LPL Financial LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party managers.

Marivic Dar is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Equitable Advisors. Outside of her advisory work, she is the business owner of ACDC Development LLC, a renewable energy company based in Honolulu. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, with additional services including trust custody, insurance product sales, and lending programs.

Benjamin Benzaken is a financial advisor with LPL Financial in Honolulu, HI, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Prior to joining LPL Financial in 2009, he worked at Bancwest Investment Services, Inc. from 2005 to 2009. Outside of his advisory role, Benzaken serves as the Hawaii Director of the self-defense system Krav Maga. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, institutions, and retirement plan participants. The firm offers financial planning, asset management programs, and institutional platforms, supporting advisors with research models and technology tools.

Frances Wright is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at multiple Cetera entities and Summit Financial Group, as well as a longstanding position at Hawaii Financial Advisors, Inc. Wright also sells life insurance through Perry Financial. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual investors, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, catering to a diverse client base with discretionary and non-discretionary solutions.