Jeffrey Valoria is a financial advisor with Morgan Stanley in Honolulu, HI, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior roles include positions at Wells Fargo Clearing and Raymond James Financial Services. Outside of his advisory work, he is involved in administrative duties at NJCM Enterprises. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process utilizing firm-approved tools and emphasizes advisory services without providing individual security recommendations as part of standalone financial plans.

Lincoln Koike is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Koike serves on the Board of Directors of the Hawaii Youth Athletic Organization, where he is Vice President. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research-driven modeling and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Aaron Tom is a Series 66-licensed financial advisor with Morgan Stanley in Honolulu, HI, holding approximately two years of industry experience. He has worked at Morgan Stanley since 2023, with prior full-time education experience spanning 16 years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools without providing individual security recommendations as part of standalone planning.

Calen Scot Holt is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones in 2025, he served in the United States Army for 11 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a nationwide network of financial advisors and branch offices.

Joshua Potterton is a financial advisor with Raymond James Financial Services Advisors, Inc. in Honolulu, Hawaii, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining Raymond James in 2025, he spent 20 years at Edward Jones. He is also the CEO of two support companies, LOSH3, LLC and Pulse Wave Private Wealth, providing holistic financial planning and insurance needs analysis. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm emphasizes tailored, non-discretionary planning and supports its recommendations through advisory programs and affiliated firms.

Kyle Yanabu is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. His prior experience includes roles at Summit Financial Group and Hawaii Financial Advisors, where he also provides financial planning services as part of an independent business. In addition, he works as an independent agent assisting clients with fixed insurance solutions through Highland Capital Brokerage. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple investment program structures and third-party managers.

Cynthia Gagnon is a financial advisor with Primerica Advisors in Honolulu, HI, holding Series 63 and Series 65 licenses and 19 years of industry experience. She has worked with Primerica Advisors since 2005, with a brief interval, and has been involved with Masa & Joyce, LLC since 2013. Outside of her advisory role, she also earns compensation through sales and referrals of loan products, home security, automation, and related services with affiliates of Primerica. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, offering model-driven strategies and a limited set of discretionary separately managed accounts under a wrap-fee structure.

Raenee Cambonga is a Series 66 registered advisor with Merrill in Honolulu, HI. She has 20 years of industry experience and has been with Merrill for 25 years since 2001. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and charitable organizations.

Antonio Bale Jr. is a financial advisor with Mass Mutual Investors Services in Honolulu, HI, holding Series 63 and Series 65 licenses with four years of industry experience. He has worked at Mass Mutual Investors Services since 2020 and has been associated with MassMutual Life Insurance Company since 2016. Outside of his advisory role, he is the owner of Hoomaa Solutions, a general building maintenance business. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative annual planning relationships using firm-approved software to analyze client goals and delivers written recommendations focused on investment strategies.

Helen Chang is a financial advisor at LPL Financial with 21 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial since 2016. Prior to that, she was associated with Bancwest Investment Services, Inc. from 2006 to 2010. Outside of her advisory role, she has employment with Dr. Flora Medina-Manuel M.D., Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diversified investment options and platforms, supported by research and technology, with a notable scale of operations encompassing over $819 billion in discretionary assets and more than 22,800 advisors.

Rory Eldredge is a CFP®-certified financial advisor with 15 years of industry experience, currently with Charles Schwab in Honolulu, HI. His previous roles include positions at Fidelity Investments and Northwestern Mutual Investment Services LLC. Outside of advising, he manages rental properties. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering comprehensive wealth advisory services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory with access to discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Joseph Laxamana is a financial advisor at Stifel based in Honolulu, HI, with five years of industry experience. He holds the Series 66 designation and has previously worked at Ameriprise and LPL Financial. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, providing clients with asset allocation and planning analyses to support decision-making.

Josiah Valencia is a financial advisor with Cetera and holds a Series 66 designation. He has seven years of industry experience, including roles at American Savings Bank and Bankoh Investment Services, Inc. He is based in Honolulu, HI. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides various program options and investment strategies.

Donna Yoshida is a financial advisor at Ameriprise with 22 years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2005. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on income stability and tax-aware strategies.

Megan Abbott is a CFP® and Series 66-licensed financial advisor with Edward Jones in Honolulu, HI, bringing five years of industry experience. Prior to joining Edward Jones in 2020, she worked for Hawaiian Airlines from 2012 to 2020. Megan also manages a rental property business through Megan Akamine LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a network of more than 23,000 financial advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Robin Liu is a financial advisor with Ameriprise in Honolulu, HI, holding Series 63, 65, and 66 licenses and possessing 35 years of industry experience. He has been with Ameriprise and its affiliate since 2015. Ameriprise provides retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Ariel Oasay is a financial advisor with LPL Financial, holding a Series 63 license and bringing 27 years of industry experience. Prior to joining LPL Financial in 2020, Ariel worked for Ameriprise Financial Services, Inc. for 15 years. In addition to advisory work, Ariel is also a commissioned notary in Honolulu, HI. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting its advisors with advanced research and operational tools.

Dustin Zimmerman is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked across various Morgan Stanley entities since 2012. Outside of his advisory role, he has interests in rental property ownership in Ohio. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering tailored financial planning and a range of investment programs. The firm manages approximately $2.74 trillion in client assets and employs structured financial planning tools without providing individual security recommendations as part of standalone plans.

Andrea Zannoni is a Senior Financial Advisor at Merrill Lynch Wealth Management. He manages portfolios as a Senior Portfolio Manager in the Merrill Investment Advisory Program, utilizing personalized and defined strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment strategies. Andrea also supports other Merrill Lynch Wealth Management Advisors by making his strategies available. Andrea's professional background includes serving as a manager at Bank of Hawaii, where he led the ISB Kailua branch in retail services, credit, and investments. He holds an MBA from Hawaii Pacific University and a Bachelor's degree in Economics and Financial Services from Saint Mary's College of California. His expertise encompasses education planning, family wealth management strategies, services for endowments, foundations and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, as well as tax minimization. Originally from Verbania, Italy, Andrea moved to the United States in 2007 to pursue tennis and academics. He was a ranked junior and professional tennis player in Italy before transitioning to a financial career. Andrea serves as Chairman of the Investment Committee and Vice President of the Hawaii Opera Theatre board, and as Vice President on the board of Access Tennis, reflecting his engagement with community and cultural organizations. His personal interests include music, surfing, tennis, and traveling.

Daniel Robertson is a CFP®-certified financial advisor with Ameriprise in Honolulu, HI, with 26 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he owns a single-family property in Honolulu. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement who meet specific asset criteria. The firm employs a combination of research, modeling, and tax-efficiency analysis to provide written recommendation reports, emphasizing management of assets within Ameriprise accounts and utilizing algorithmic tools overseen by a dedicated retirement income team.