Laurey Shintani

Toba Financial LLC is a Hawaii-based financial advisory firm specializing in retirement planning. Led by Enrolled Agent and Certified Financial Planner™ Jason Cutitta, the firm helps residents of Hawaii navigate their financial future. www.jasoncutitta.com

Hi! I’m Daniel Masuda Lehrman, a fee-only fiduciary financial planner based in Honolulu, Hawaii. I'm originally from Ann Arbor, Michigan and a proud University of Michigan alum. I work with clients locally in Honolulu and virtually nationwide. With nearly 10 years of experience as a financial advisor at the Big Three (Vanguard, Fidelity, Schwab), I’ve helped hundreds of families retire successfully or manage their wealth responsibly. Financial planning isn’t just about investments—it’s about making informed decisions that impact every aspect of your life. From retirement planning and tax strategies to managing risks and ensuring your estate is in order, a truly comprehensive financial plan should bring all the pieces together. Following the CFP Board’s Financial Planning Process, I work closely with my clients to evaluate their full financial picture and create strategies tailored to their goals. Whether you’re planning for retirement, adjusting after the loss of a spouse, or navigating major financial transitions, I provide clear, objective guidance to help you move forward with confidence. I serve retirees, widows, and those preparing for retirement, both locally in Honolulu, Hawaii, and virtually across the country. My goal is to simplify complex financial decisions so you can focus on what matters most. Clients I’ve worked with were looking for a good listener who was honest, knowledgeable, anticipated their needs, skilled at explaining concepts in layman's terms, and could confidently help them make good financial decisions. They’ll tell you I helped them transition into a new phase of life or enjoy their retirement with confidence and certainty. So whatever you’re dealing with, you can trust that I’ll connect with you on a human level and be there for you. If that resonates with you, I’d love to talk to you! Visit my website at www.HawaiiAdvisor.com to learn more!

Sheri Tsubata is a Senior Financial Advisor with Merrill Lynch Wealth Management. She began her career in financial services as a Client Associate at Smith Barney in 2007 before becoming a Financial Advisor in 2009. Sheri transitioned to Merrill Lynch in 2010, where she has since developed a client service model rooted in understanding each client's unique needs, concerns, and priorities. Her areas of focus include college education planning, family wealth management strategies, LGBT wealth planning, personal retirement planning, socially responsible and ESG investing, women and wealth, and retirement income. Sheri holds FINRA Series 7, 31, and 66 registrations, Life & Health Insurance licenses, and the Certified Plan Fiduciary Advisor® (CPFA) designation. She earned both her Bachelor of Science in Animal Science and her Japan-focused Master of Business Administration from the University of Hawaii at Manoa. Outside of work, Sheri spends time with her partner Shannessy and their son Kaisen. Their weekends often include camping, swimming at the beach, and planning new adventures. She balances her professional responsibilities with personal interests in cooking, traveling, and watching movies.

Elias Beniga is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in coordinating the financial affairs of families, entrepreneurs, executives, and non-profit organizations across the United States. His approach involves a detailed and disciplined process tailored to align with each client's unique qualities and investment objectives. His expertise includes divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, retirement income planning, and services for endowments, foundations, and non-profits. Additionally, Elias provides middle market business clients with access to qualified retirement plan management services, commercial banking, lending, and wealth transfer strategies. With 18 years of experience as a financial advisor, Elias's background also includes international business experience in Asia and 17 years in business banking, personal and commercial lending, and management of four community bank branches in Hawaii. He holds a bachelor's degree in economics from the University of Hawaii and has earned several professional designations, including Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Filipino Chamber of Commerce of Hawaii and the Kalihi Business Association. Elias is engaged in community activities, having served in leadership roles such as Chairman of the City & County of Honolulu - Oahu Workforce Investment Board, Chairman of the State of Hawaii Act 159 - Filipino Centennial Celebration Commission, and President of the Filipino Chamber of Commerce. His personal interests include chess, golfing, hiking, reading, and spending time with his family.