Cheryl A. Munoz is the president and owner of Zephyr Investment Management. She has risen through the ranks of Zephyr since 1996 and became president in 2013. With over 27 years of experience, Cher’s goal is to create inspiring financial plans for clients to help them live purposeful lives. She gets great joy at seeing clients realize their goals and dreams.

Her strength is assisting individuals and businesses in growing their wealth by investing in the stock and bond markets while at the same time having a fighting chance of avoiding wealth-decimating declines. After all, that’s really what most people want.

Cheryl graduated with honors from California State University at Northridge and holds an MBA^® in finance from Pepperdine University. In 2006, she was inducted into Pepperdine’s chapter of Beta Gamma Sigma, an international honor society that recognizes the academic achievements of the world’s best business students and provides the highest recognition a business student anywhere in the world can receive.

She is one of the few who have received recognition as a Chartered Financial Analyst Charterholder, completing an intensive three-year program covering economics, financial statement analysis, equity research and analysis, and portfolio management and design. She is also a licensed general insurance and variable annuity agent, as well as a Registered Securities Principal. She holds her securities registrations though FSC Securities Corporation, a registered broker/dealer and member FINRA/SIPC. She also writes and speaks about financial topics in a manner non-financial individuals can understand.

Cheryl lives and works in the Thousand Oaks/Westlake Village area with her husband, Rick, and two children. She enjoys hiking, camping, Pilates, and reading personal finance books.

The founder of Zephyr Investment Management, Marsha commits her knowledge and more than 38 years of experience to help clients accumulate, manage, and grow their assets, and to improve the quality of their lives. Her decades of experience enable her to explain complex investment and financial topics in an understandable way as she guides each client through the process of selecting an optimal investment strategy. Marsha’s financial advice is based on sound economic fundamentals, favorable tax considerations, and disciplined investment management techniques for risk reduction and capital preservation.

The majority of Marsha’s clients began working with her long before reaching their retirement years. As a trusted advisor, she has helped clients at every stage in life navigate through many life changes, market shifts, challenges, and opportunities. Marsha’s primary goal for her clients is to create an inspiring financial strategy designed to help them live the lives they want for the reasons that are important to them.

Marsha earned a Certified Financial Planner(CFP^®) designation in 1985. She holds her securities registration through FSC Securities Corporation, a registered broker/dealer and member of FINRA, SIPC.

Marsha lives and works in the Thousand Oaks/Westlake Village area. She enjoys outdoor activities, including racquet sports and golf. She also loves reading and traveling.

Vanessa M. Moore, is a Financial Advisor, specializing in retirement plan consulting. She began her career in financial services working for the Los Angeles branch office of 401(k) & 403(b) Advisors where she consulted with clients in both the non-profit and for-profit sector. Vanessa brought her expertise with retirement plans to Zephyr Investment Management, helping plan sponsors navigate their complex fiduciary responsibilities. At the plan level, she helps employers with DOL/IRS compliance issues, plan design, fiduciary training, human resource best practices, vendor troubleshooting, fee benchmarking, investment oversight and more. At the participant level, she works directly with employees, helping them to maximize the benefit of their employer-sponsored plan and achieve their retirement savings goals.

Vanessa has her Bachelor of Arts degree in Communication Studies from California State University Northridge and currently holds her securities registration through FSC Securities Corporation, a registered broker/dealer and member of FINRA, SIPC. She enjoys volunteering and community service work as well as all types of outdoor activities.

Jean-Paul Chenette is a wealth manager and financial advisor with over 35 years of experience. Jean-Paul’s goal is to help his clients invest with wisdom.  He is passionate about helping people make good decisions, especially during challenging market conditions.

Jean-Paul graduated Magna Cum Laude with his undergraduate degree in Organizational Management from The Master’s University. He went on to receive his Master’s in Divinity from The Master’s Seminary. He continued his studies at The Master’s Seminary, and in 2019 he was awarded his Doctor of Ministry. In addition to helping people with investing, he is passionate about counseling, and makes himself available to help people anytime.

Jean-Paul has been married to his wife Kristi since 1995, and they have six grown children. Three of his children are biological, and the other three are adopted from Haiti. Two of their children are married and he and Kristi are looking forward to welcoming their first grandchild in early 2023.

Jean-Paul currently holds his securities registration through FSC Securities Corporation, a registered broker/dealer and member FINRA/SIPC. 

William N. Chenette is a Financial Advisor, specializing in retirement plan consulting. He helps employers with DOL/IRS compliance issues, fiduciary training, human resource best practices, vendor troubleshooting, fee benchmarking, investment oversight and more. He also works directly with employees, helping them to maximize the benefit of their employer-sponsored plan and achieve their retirement savings goals.

William graduated Magna Cum Laude from The Master’s University with a degree in business administration and management. He currently holds his securities registration through FSC Securities Corporation, a registered broker/dealer and member of FINRA, SIPC.

He enjoys traveling and spending time with family. He and his wife Ella just welcomed their first child.

Janet Sowles, Office Administrator, has been an essential member of the Zephyr team since 2002. Janet handles all the documentation, paperwork, transfers, deposits, and withdrawals to process and service your accounts.

She loves seeing clients when they come to our office and takes a personal interest in all of Zephyr’s clients.

Outside of work, Janet enjoys spending time with her three grandchildren and watching her favorite team, the LA Kings!

Guillermo joined Zephyr in 2018 after graduating from California State University Northridge with a degree in Finance focused on Financial Planning. Since joining, Guillermo has risen through the ranks at  Zephyr to be a Relationship Manager. His primary role on the team is to prepare appropriate financial planning and investment strategies where it benefits the clients’ interests. In 2022 he earned the CERTIFIED FINANCIAL PLANNER™ certification. He holds his securities registration through FSC Securities Corporation, a registered broker/dealer and member of FINRA and SIPC.

Guillermo is a native Angeleno, born and raised in the San Fernando Valley, and likes rooting for his favorite LA sports teams. He is active in the local community by volunteering to coach youth sports.  

Guillermo lives in Winnetka with his wife, Janette. Outside of work, they enjoy traveling, eating good food, and spending time with their two dogs.