Terza Wheeler is a financial advisor with Wells Fargo Clearing in Honolulu, HI, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Wells Fargo entities since 2009, including seven years at Wells Fargo Advisors LLC prior to her current role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions with research-driven investment strategies.

Leena Howard is a financial advisor with Cetera in Honolulu, HI, holding a Series 66 designation and 12 years of industry experience. Her prior roles include positions at Morgan Stanley and Bankoh Investment Services. Outside of her advisory work, she serves as a part-time property manager for a condominium. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to both affiliated and third-party investment strategies.

Rick Handy is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 1978, providing clients with individualized wealth management strategies, retirement plan services, and estate and wealth transfer techniques. Rick regularly evaluates and reviews financial plans to align with clients' evolving goals. Rick earned the Chartered Retirement Planning Counselor™ (CRPC™) designation in 2004 and holds the Personal Investment Advisor (PIA) certification. He attended Miami University of Ohio, concentrating in Physics and Mathematics, and holds a Bachelor's degree from Western College. Outside of work, Rick enjoys swimming, sailing, and golf, and spends time with his family. He is also associated with the West Honolulu Rotary.

Todd Valoff is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes over two decades at First Republic Securities Co LLC and First Republic Bank, followed by roles at J.P. Morgan Securities and JP Morgan Chase Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients nationwide through a large network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and retirement services, supporting various investment strategies and program structures.

Kamalu Kaluhiokalani is a Series 66-licensed financial advisor with nine years of industry experience. He is currently affiliated with Raymond James Financial and First Hawaiian Bank, where he serves as a Wealth Advisor. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through unique affiliations.

Lisa Shishido is a financial advisor with Ameriprise in Kailua, HI, holding a Series 66 designation and 18 years of industry experience. She has been with Ameriprise and its predecessor firms since 2004. Outside of her advisory role, she serves on the board of directors for Hui Makaala, acts as treasurer for the Keauhou Place Association of Unit Owners, and volunteers teaching children at New Hope Windward's Kid Zone Program. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, offering a range of advisory, brokerage, and insurance solutions through affiliated entities. The firm’s retirement income service uses a combination of research, modeling, and tax-efficiency analysis to deliver written recommendation reports in partnership with financial advisors.

Jose Herrera is a financial advisor with Charles Schwab in Honolulu, HI, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He previously worked at USAA Investment Services Company and USAA Life Insurance Company. Outside of advising, he maintains a small number of residential rental properties managed by a property manager. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset portfolios and centralized custody and order-routing services.

Paul Soriano is a financial advisor with Osaic, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. His prior roles include positions at SagePoint Financial, National Planning Corporation, and Coda Financial Group, where he has also served as CFO. Outside of his advisory work, Soriano is active in his community as chair of the finance committee at Our Lady of Sorrows Church, a nonprofit director planning local events, and a soccer referee for youth and adult games. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and investment advisory services with a range of portfolio management tools and third-party solutions.

Stephen Maurer is a Series 66-licensed financial advisor with LPL Financial, based in Honolulu, HI, and has 19 years of industry experience. He previously worked at National Planning Corporation, Janell A. Israel and Associates Ltd., and Morgan Stanley Dw Inc. He is a member and owner of Pacific Financial Navigators, a tax preparation and accounting business, and serves on the church council of New Hope Hawaii Kai. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plans through a large network of investment adviser representatives. The firm offers a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset allocation approaches.

Michael Horton is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Hawaii State Federal Credit Union, Raymond James Financial Services, and First Hawaiian Bank. Outside of his advisory roles, he was involved with Windward Football Club for two years. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with both discretionary and non-discretionary program options.

Michael Bruggemann is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. His prior roles include positions at Ameriprise Financial Advisors Inc., SagePoint Financial, and Lrc, Inc. He serves on the Board of Directors for the Financial Planning Association of Hawaii and is involved as Treasurer and a member of the Continuing Education Advisory Committee, as well as a Board Governor for the Pacific Club in Honolulu. Ameriprise provides retirement-income planning services aimed at individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Paul Feagles is a Series 66-licensed financial advisor currently with LPL Financial. He has been with LPL since 2025 and has prior experience at Pearl Hawaii FCU. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research tools and a wide range of investment strategies.

Derwin Osada is a CFA® charterholder and Series 63 licensed financial advisor with 14 years of industry experience. He is currently affiliated with LPL Financial and has prior experience at Commonwealth Financial Network. Osada is also involved in Tsukazaki & Associates, LLC, a business entity unrelated to investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of financial planning and investment management services, employing various models and strategies supported by operational and research tools.

Mei Li Lee is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has worked with MassMutual and its affiliates since 2016, including MetLife Securities from 2015 to 2017. In addition to her advisory role, she is an independent insurance agent specializing in life, accident, health, dental, group disability income, long-term care, and Medicare-related products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using advanced analytical tools and offers specialized planning programs such as divorce and estate-settlement planning.

Angela Bailey is a financial advisor with Morgan Stanley in Honolulu, HI, holding Series 63, 65, and 66 licenses and possessing 13 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2019. Prior to that, her career includes a role at the University of Georgia Botanical Gardens and time spent away from the workforce. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

David Livingston is a financial advisor with Ameriprise in Honolulu, HI, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliate since 2011. Outside of his advisory role, Livingston owns a business involved in direct mail, advertising, event planning, and photography, and he serves on several community and nonprofit boards including Junior Achievement and the March of Dimes. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations through a centralized consulting team.

Samuel Wood is a financial advisor at Edward Jones with 10 years of industry experience. He previously worked at Morgan Stanley and operated Wood Capital Investments for five years. Outside of his advisory role, he is an owner of a real estate LLC focused on managing rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and is notable for its extensive network of advisors and branches nationwide.

Kenji Carroll is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at LPL Financial since 2024 and previously spent over a decade with Carroll Capital Management and Crown Capital Securities, LP. Carroll also provides tax preparation and accounting services through Carroll Capital Management. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Phuong Doan is a financial advisor at Morgan Stanley in Honolulu, HI, holding a Series 66 designation. Doan joined Morgan Stanley in 2026 and previously worked in education for seven years at the University of Hawaii at Manoa, McKinley High School, and Washington Middle School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs for individuals and institutional clients. The firm focuses on structured financial planning using firm-approved tools and offers services including estate planning and corporate financial planning agreements.

Darlene Mikami is a financial advisor with Morgan Stanley in Honolulu, HI, holding Series 63 and 65 licenses and 11 years of industry experience. Her prior experience includes roles at Raymond James Financial Services and First Hawaiian Bank. Outside of her advisory work, she is involved in real estate as a sole proprietor and manages estate administration responsibilities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning and estate planning strategies. The firm employs structured planning tools and a disciplined investment approach while providing services primarily in an advisory capacity.