Janet Andres is a financial advisor with Morgan Stanley in Honolulu, HI, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. She has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets dating back to 1993. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques, serving clients through both direct and employer-sponsored financial planning agreements.

Charles Holt is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Edward Jones since 1996. He participates as an Investment Committee Member for the Partners in Development Foundation in Honolulu. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products supported by a large network of advisors and branch offices.

Gavin Sumimoto is a Series 66-credentialed financial advisor with 16 years of industry experience, currently with Ameriprise Financial Services LLC in Honolulu, HI. He has been with Ameriprise and its predecessor entities continuously since 2016. Outside of his advisory role, he has real estate ownership interests. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written recommendation reports and ongoing tax-aware retirement income planning developed by a centralized team in collaboration with the client’s financial advisor.

Kent Mannina is a financial advisor with Cetera in Honolulu, HI, holding Series 63 and Series 66 credentials and has 16 years of industry experience. He has worked at firms including Wells Fargo Advisors and Bank of Hawaii, where he currently serves as a relationship manager assisting clients with various banking services and account management. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of investment management and financial planning services delivered via a multi-manager platform with diverse program options and custodial arrangements.

Kirk Barth is a financial advisor with OSAIC based in Honolulu, HI, holding CFP® and ChFC® designations and possessing 36 years of industry experience. His prior work includes roles at Royal Alliance, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Outside of his advisory work, he serves on a homeowners association board and owns businesses focused on financial planning for special needs families and insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to offer tailored portfolio management and integrated financial solutions.

Ronald Kuhn is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. He has worked with Cetera and affiliated entities since 2016, including Crown Wealth Management and Summit Financial Group. Outside of his advisory work, he assists with a real estate staging business operated by his spouse and refers clients to identity protection services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services, with access to both affiliated and third-party managers across multiple program structures.

Brian Ching is a financial advisor at Osaic with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Osaic since 2018, following five years at Jhfn Sii. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that can include stocks, bonds, options, mutual funds, ETFs, and alternative investments, supporting both discretionary and non-discretionary accounts.

Roberto Duran is a financial advisor with OSAIC, holding a Series 66 designation and 26 years of industry experience. He previously spent 25 years with Lincoln Financial Advisors. Outside of his advisory work, he is involved in managing insurance-related business entities that offer disability, long-term care, and life insurance products. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors and diverse advisory platforms. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that may include various securities and alternative investments.

Grace Watanabe is a financial advisor at Merrill in Honolulu, HI, with 26 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Merrill Lynch since 1998. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies constructed by internal teams and third-party managers.

David Kimura is a financial advisor at Cetera with 27 years of industry experience. He has held roles at Cetera since 2024 and previously worked at Hawaii State Federal Credit Union and CUSO Financial Services. Kimura holds Series 63 and Series 65 licenses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment platforms and third-party managers.

Kanoi Lam is a CFP® professional with 28 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. He previously worked at Stifel Independent Advisors, LLC, KWM Wealth Advisory, Radiance Wealth Services, and Wells Fargo Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary advice using various analytical tools and supports a wide network of advisors with specialized services such as municipal advisory and SIMPLE IRA employer consulting.

Tsuyoshi Tsurumi is a financial advisor with Cetera who holds a Series 66 designation and has five years of industry experience. His prior roles include positions at Bankoh Investment Services, Raymond James Financial, First Hawaiian Bank, and S&P Partners LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Catherine Nakamura is a financial advisor at Raymond James Financial with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with First Hawaiian Advisors and First Hawaiian Bank since 2014. Nakamura’s roles include wealth advisory and providing life insurance products tailored to specific client segments. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm provides non-discretionary planning using analytical tools and supports advisory programs across a broad advisor network, with specialized offerings in municipal finance and SIMPLE IRA Employer Advisory services.

Byron Nakano is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 2001 after transitioning from the technology sector where he founded a computer networking company. Byron focuses on delivering personalized wealth management strategies tailored to the unique financial goals of his clients. He holds a Bachelor of Science degree in Mathematics from the University of Hawaii and has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA). Byron's areas of expertise include retirement planning, portfolio management, tax minimization, and personal and corporate investment strategy. Born in Mississippi and raised globally as the child of a U.S. Air Force Colonel, Byron is fluent in Japanese and English. He participates in community volunteering through the Merrill tradition and enjoys a variety of personal interests such as cooking, football, skydiving, soccer, spending time with his family, surfing, swimming, traveling, volleyball, and watching movies.

Justin Akai is a financial advisor with Equitable Advisors in Honolulu, HI, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at First Hawaiian Bank and Pruco Securities LLC. Outside of advising, he works as a bookkeeper for FirstLine Booking. Equitable Advisors serves a diverse client base that includes individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers.

Darren Agena is a Series 66-licensed financial advisor with Morgan Stanley in Honolulu, Hawaii, and has 12 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning using structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include estate planning and corporate financial planning agreements.

Jonathan Countess is a financial advisor with Merrill in Honolulu, HI, holding Series 63 and Series 65 credentials and 39 years of industry experience. He has worked at Merrill since 1995 and at Bank of America, N.A. since 2011. 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 supported by internal and third-party managers for a diverse client base including individuals, high-net-worth clients, and institutional investors.

Grant Yamaguchi is a financial advisor at Cetera with 18 years of industry experience. He holds the CFP® designation and has worked with firms including LPL Financial and Summit Financial Group. Outside of his advisory role, he has served as a lifeguard at Makiki Pool for over 20 years. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, corporate, and institutional clients with a range of portfolio management and financial planning services. The firm offers multiple program options including model portfolios and bespoke strategies, managing over $256 billion in assets.

Rylen Ochiai is a financial advisor at Ameriprise with two years of industry experience. He previously worked at First Hawaiian Bank for five years and served as an assistant at Wealth Managing Partners for two years. He holds the Series 66 designation and is based in Honolulu, HI. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Guy Masuda is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and bringing 37 years of industry experience. Prior to joining Raymond James in 2017, he worked for Wedbush Morgan Securities for 12 years. Outside of his advisory role, he is the owner of CG MASUDA LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and maintains unique offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.