Barbara Fukushima is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 40 years of experience to her role. She is also a qualified Portfolio Manager who provides personalized financial advice and discretionary portfolio management using proprietary strategies. Barbara focuses on working closely with clients to develop investment portfolios tailored to their unique financial goals and risk tolerance. A lifelong resident of Hawaii, Barbara began her career as a CPA after earning a Bachelor's Degree from the University of Hawaii and pursuing graduate work in Oregon. She joined Merrill in 1986 and currently works alongside her son and partner, Dennis Fukushima, Jr. Barbara holds the Personal Investment Advisor (PIA) designation. Barbara emphasizes ongoing professional development and dedicates much of her time outside of work to studying portfolio construction and management. She also participates in community volunteering activities.

Sunghee Shin is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, she worked at Jason J. Lee CPA Inc for nine years. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with substantial investable assets, 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 in its approach and delivers recommendations through a centralized consulting team.

Lester De Peralta is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at HawaiiUSA Federal Credit Union and CUSO Financial Services, LP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Len Fukushima is a Senior Financial Advisor at Merrill Lynch Wealth Management in Honolulu, focusing on multi-generational wealth transfer planning. He advises successful families, closely held businesses, and small to medium-sized non-profit organizations, emphasizing long-term relationships and a personalized consulting process to address clients' unique financial objectives and family circumstances. Len holds a Bachelor's degree from Long Beach State and a Master's degree in Taxation with a focus on Estate & Trust from the University of Denver. He has international experience, having spent six years in Asia leading a Japanese media company's market entry into China and founding a corporate catering company in Shanghai. He is fluent in English, Japanese, and Mandarin. Len holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Hawaii since 2002, Len is involved in community organizations such as the American Youth Soccer Organization (AYSO), PEACHES Kokua Hui PTA, and Red Cross Hawaii. His personal interests include surfing and sailing.

James Middlesworth is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 36 years of industry experience. He has worked at Cetera and its affiliates since 2019 and has also been associated with Hawaii Financial Advisors, Inc. since 2015. Middlesworth is a commissioned notary public in the State of Hawaii. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management options and operates a multi-manager platform with a wide range of program structures and custodial relationships.

Kate Cordero is a financial advisor with Ameriprise, holding a Series 66 designation and 17 years of industry experience. She has been with Ameriprise since 2010, including its predecessor entity, Ameriprise Financial Services, Inc. Outside of her advisory role, she is a notary in Honolulu, HI. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to provide non-discretionary recommendations. The firm provides a wide range of advisory, brokerage, and insurance solutions through affiliated entities.

Linda Le is a CFP® and Series 66 credentialed financial advisor with Edward Jones in Honolulu, HI, bringing five years of industry experience. She has worked at Edward Jones since 2020 and previously spent five years at PennyMac Loan Services. Outside of her advisory role, she owns and occasionally manages a short-term vacation rental in Honolulu. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions, supported by a nationwide network of over 23,700 financial advisors and approximately $1.01 trillion in assets under management.

Albert Bediones is a financial advisor at Ameriprise with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. Bediones serves on the Board of Directors and on membership and member relations committees at The Pacific Club in Honolulu. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through a centralized service team that provides recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Bryan Azuma is a financial advisor with Cetera, holding Series 63 and Series 65 designations and possessing 37 years of industry experience. He has worked at Cetera since 2023 and previously spent 35 years at Securian Financial Services, Inc. Azuma is also involved in insurance sales, including temporary disability and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management, financial planning, and retirement services, supporting both discretionary and non-discretionary accounts.

Ryan Masuno is a financial advisor at Raymond James Financial with eight years of industry experience. He holds a Series 66 designation and previously worked at First Hawaiian Bank and Uber. Outside of his advisory role, he serves as an associate at First Hawaiian Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and charitable clients. The firm offers tailored, non-discretionary advisory services supported by analytical tools and maintains specialized programs in municipal finance and employer-sponsored retirement plans.

Michelle Collins is a Series 66-credentialed financial advisor at Charles Schwab with nine years of industry experience. She has worked at Charles Schwab and Charles Schwab Bank SSB since 2014 and 2019, respectively. Collins serves as the Local Chapter Board Secretary for the Securities Industry Association of Hawaii, attending quarterly meetings and documenting schedules and minutes. 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 combines non-discretionary client advisory relationships with access to affiliated discretionary portfolios, offering multi-asset model portfolios and a formal alternative-investment onboarding process.

Grant Hashiba is a CFP® professional with 26 years of experience, currently affiliated with LPL Financial in Honolulu, HI. He has been with LPL Financial since 2010 and operates Island Wealth Management, an independent registered investment advisory firm, providing financial planning and consulting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios and research from multiple sources.

Jeffrey Chang is a financial advisor with Cetera, holding a Series 63 designation and bringing 28 years of industry experience. He has a diverse professional background including roles at Avantax Advisory Services and ownership of Chang & Company, CPA, Inc., an accounting firm he has led since 1990. Chang serves as an elected trustee for the United Chinese Society of Hawaii and sits on the board of directors for AOAO Century Square, a commercial office condominium in Honolulu. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and consulting services, employing a multi-manager platform that includes both affiliated and third-party investment options.

Richmond Lee is a financial advisor at Raymond James Financial with three years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones, First Hawaiian Bank, and Bank of Hawaii. Outside of finance, he operates a balloon twisting business in Honolulu. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and other clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized municipal and public-finance capabilities.

Sean Smith is a financial advisor with LPL Financial in Honolulu, HI, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. His prior roles include positions at The Strategic Financial Alliance, Cambridge Investment Research Advisors, and Sii. He is also involved with The Retirement Coach LLC, an entity related to his LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Gordon Sato is a CFP®-designated financial advisor with over 42 years of industry experience. He has worked at Osaic since 2017 and previously held roles at Signator Investors, Inc., Pyramid Insurance Center Ltd, and Intersecurities, Inc. In addition to his advisory work, he operates a sole proprietorship selling fixed life insurance, annuities, and health insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, providing integrated brokerage and advisory services, financial planning, and access to various investment platforms and third-party managers. The firm employs asset-allocation tools and risk management strategies to construct portfolios across multiple asset classes on both discretionary and non-discretionary bases.

George Hirai is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing and its predecessor firm since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kiyonobu Oda is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 1993. In his role, he assists clients in building wealth management strategies tailored to their individual needs, emphasizing a comprehensive approach and informed decision-making. His expertise includes college education planning, divorce transition planning, family wealth management strategies, and services for endowments, foundations, and non-profits. He also provides support for defined benefit and defined contribution plans, liquidity management, personal retirement planning, portfolio management services, and retirement income. Kiyonobu holds a Bachelor's Degree from the University of Hawaii System. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC).

James Seto is a financial advisor with Morgan Stanley in Honolulu, HI, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and proprietary modeling techniques as part of its advisory process.

Bradley Itagaki is a CFP® with 15 years of experience, currently serving at Raymond James Financial in Honolulu, HI. He has been with Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. since 2017 and also works with First Hawaiian Bank. Outside of his advisory roles, he devotes significant time as a Wealth Advisor at First Hawaiian Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm uses tailored, non-discretionary planning supported by analytical tools and offers programs that integrate technology and specialized advisory services.