Victoria began her financial services career in 2014 after earning her B.A. in Economics and Government from Claremont McKenna College, where she graduated Summa Cum Laude. She joined the team in 2014 as part of the equity investment team, providing research for the team’s Equity Plus and Equity Income Growth portfolios. She is currently responsible for client coverage and new business development, with a focus on multigenerational wealth planning and successor education, potential diversification solutions for large concentrated stock positions, and financial strategies for women. Victoria is an active member and co-head of the membership committee for the Los Angeles Women’s Exchange at Merrill. She is also a member of Visionary Women, a non-profit organization supporting women’s initiatives both globally and locally. She holds the Chartered Financial Analyst® (CFA®) designation and is a member of the CFA Society of Los Angeles. In her free time, Victoria enjoys taking her dog on hikes, practicing yoga & meditation, creative writing, and painting.

*Merrill Lynch Life Agency's California License Number 0522776

*Asset allocation does not ensure a profit or protect against loss in declining markets.

Judith joined Merrill Lynch in 1997. She has been working with the team since 2009. Judith began her financial services career in 1994 with Prudential Securities. Her primary responsibilities are client relationship management and the servicing of accounts. She holds a B.A. in Business Management from De La Salle University, Manila, Philippines.

Michael Ginestro has worked in the investment management industry since 1995, with a focus on municipal fixed income including research, strategy, and portfolio management. Before moving to Merrill Private Wealth Management as a Private Wealth Manager in 2020, Michael advised private clients and foundations and held fixed income leadership roles at Bel Air Investment Advisors LLC, Wells Fargo Wealth Management, and Charles Schwab Investment Management. More recently he was as a Financial Advisor at Capstone Partners. His primary responsibility is managing the team’s municipal and treasury strategies. 


Michael received his B.A. from Saint Lawrence University in 1993 and is a former board member of both the National Federation of Municipal Analysts and the California Society of Municipal Analysts. 

Liam first joined the Jones Zafari Group and Merrill Private Wealth Management in 2018 as an intern in our La Jolla, CA office.  In May 2020, he graduated from San Diego State University with a B.S. in Finance and now works in the Los Angeles office focusing on team administrative duties and client relationship management. Prior to joining the team, Liam interned with Stifel, Nicolaus & Company and PacWest Investment Management.

*Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Jenna joined Merrill in 1999 after working in the real estate and asset management industry for five years. She spent the last 14 years working as an assistant on the Management Team in both the Downtown Los Angeles Office and Pasadena Office. Jenna joined the Jones Zafari Group in 2013 and is responsible for client relationship management and team administrative duties.

Lily joined Merrill in 1993. Her primary responsibilities are client relationship management and servicing of accounts. She received her B.S. in Business Administration from the University of Southern California.

Shirley joined Merrill in 2011 as a member of the Merrill Lynch Wealth Management office. She began with the team in 2015, with her primary responsibilities consisting of client relationship management and servicing accounts.

Brandie began her career with Merrill Lynch Wealth Management in 2007 in the Beverly Hills office. She joined Merrill Private Wealth Management and the Jones Zafari Group in 2020. Her primary responsibilities are client relationship management and the servicing of accounts. She holds a Bachelor of Arts degree in History from UCLA and a Juris Doctor from Loyola Law School, Los Angeles.






*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Cyrus joined Merrill in 2007 and joined the Palo Alto team in 2017. He is responsible for client relationship management and team administrative duties. Cyrus received his B.S. in Business Administration and his M.B.A from San Francisco State University.

Steve's focus lies within estate planning services, tax minimization strategies, diversification strategies and charitable giving.  Prior to moving to Merrill, Steve was a Senior Vice President at Morgan Stanley.  He has been advising high-net-worth clients since 1999.

Steve received his degree from the University of California at Santa Barbara.  He is currently involved in several charities, including serving on the Board of Operation Homefront and previously serving on the board of Free Wheelchair Mission.

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Adi is a Senior Private Wealth Client Associate for Merrill Private Wealth Management. Adi joined Merrill in 2013. Her primary responsibilities are client relationship management and the servicing of accounts. She received her B.A. in Business Economics with a minor in Psychology from the University of California, Irvine.

Laila began her financial services career with Merrill in 1986 in the life insurance division.  Following a few years in management it wasn’t long before she realized client service was her passion.  She became an analyst in 2014 with her primary responsibilities being client relationship management and account servicing.  Laila attended the University of San Francisco where she lived before relocating to San Diego with her family. 

Chad joined the financial industry in 1997.  Prior to joining Merrill Private Wealth Management, he was a Senior Vice President at Lazard Asset Management, where he worked closely with financial advisors who served Ultra High Net Worth and Institutional clients.  Prior to Lazard, Chad held similar roles at Ivy Investments and Cohen & Steers where he consulted advisors on asset allocation and investment manager selection.  For his entire career,  he has worked to ensure clients align their investment portfolios to specific goals and objectives. 

Chad earned his bachelor’s degree from the University of Texas in Austin.  He and his wife, Jade, live in Manhattan Beach, CA with their two sons.   Chad is actively involved in coaching numerous youth sports and has served on the Board of Directors for South Bay Pony Baseball.   He is an outdoors enthusiast and enjoys traveling with his family.

Jason is a Senior Vice President and Senior Financial Advisor for Merrill Lynch Wealth Management.  He joined Merrill in 2004, working to coordinate the financial affairs of a select group of high-net-worth families, corporate executives, entrepreneurs, and sports & entertainment industry professionals.  He has extensive experience advising private clients, creating customized strategies designed to responsibly grow and preserve their wealth, helping them reach their goals and objectives.  He received his Bachelor's Degree in Business Administration from Florida State University, and his Master's Degree in Sports Business Administration from the University of Florida.  Jason is an avid golfer, surfer, and fisherman.  He lives in Atlantic Beach, Florida with his wife Leslie, daughter McKenna, and son Cameron.