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 hol