Rolling Hills Estates, CA Silver Spur Rd Office

Suzy Zeng is a Financial Advisor with Merrill Lynch Wealth Management. She works with professionals, business owners, retirees, and families to develop personalized wealth planning strategies that incorporate the resources of Merrill and Bank of America, including Personal Wealth Analysis planning tools, insights from the Chief Investment Office, and access to specialized teams in banking, loans, and alternative investments. Her client focus areas include employee benefits planning, family wealth management, legacy planning, retirement planning, portfolio management, small business strategies, women and wealth, individual and corporate investment strategy, and tax minimization. Before transitioning to financial services in 2018, Ms. Zeng held global corporate roles with companies such as PepsiCo, Kraft Foods, and Danone/WhiteWave. In these roles, she led business and product innovation initiatives and was involved in joint venture due diligence, providing her with a broad perspective that she applies to financial advising. She holds the Chartered Retirement Planning Counselor (CRPC) designation, FINRA Series 7, 65, 63, and 6 registrations, life and health insurance licenses, and the Personal Investment Advisor (PIA) professional designation. Ms. Zeng earned a Master's Degree from the University of Minnesota Twin Cities and a Bachelor's Degree from Beijing Normal University. She is proficient in English and Chinese. Her community involvement includes affiliations with the University of Colorado Boulder, Leeds School of Business, and the University of Denver, Daniels College of Business. Outside of her professional work, she enjoys badminton, cooking, pickleball, spending time with her family, table tennis, and yoga.

Nathan Lee is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He leads the portfolio management and asset allocation development process for the Lee & Yodowitz Group. Nathan has over 21 years of industry experience, guiding clients through complex discussions on wealth planning, estate planning, legacy planning, money management, corporate retirement plans, and alternative investment strategies. Nathan works closely with business owners at all stages of their business life cycle, providing services from cash management for daily operations to financing for capital expansion and acquisition, as well as planning for exit events. His expertise extends to succession planning, private sales of businesses, and group benefit plans. He has earned professional designations including Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He holds a Bachelor's degree and a Master's degree in Finance from Texas Tech University System. Nathan is involved in community activities and serves on the board of the Boys & Girls Club of Long Beach. He is also active with the National Eagle Scout Association and the Estate Planning and Trust Council of Long Beach. Nathan is married with three children and maintains interests in antiquing, football, gardening, genealogy, skiing, spending time with his family, surfing, and traveling.

Kevin Ou is a Senior Financial Advisor and Managing Director at Merrill Lynch Wealth Management. He is a co-founder of The Peninsula Group, where he provides leadership, strategy, and tailored advice to a select group of clients. In his role, Kevin focuses on wealth planning with a tax-sensitive approach to retirement, investment, estate, and insurance strategies. He has extensive experience assisting clients with concentrated and restricted stock by developing thoughtful approaches to diversification and risk mitigation. Prior to joining Merrill Lynch in 2024, Kevin spent 17 years at UBS and Morgan Stanley, serving as an Executive Director and Senior Portfolio Management Director. He earned a Bachelor of Science degree in Neuroscience from the University of California, Los Angeles, and an MBA in Finance from Pepperdine University's Graziadio School of Business and Management. He is also a graduate of Columbia University's School of Industrial Engineering and Operations Research, where he earned the Certified Portfolio Manager (CPM®) designation. Additionally, he holds California life and health insurance and annuity licenses. Outside of his professional career, Kevin serves on the Board of the South Coast Botanic Garden. He is also involved with his local church, plays violin in the Holloway String Quartet, and enjoys playing tennis at the Palos Verdes Tennis Club. Kevin is fluent in English and Taiwanese.

Adam Zahn is a Senior Financial Advisor with the Zahn-Morris Team at Merrill Lynch Wealth Management. He focuses on asset allocation, values-based wealth management planning, and portfolio construction. Adam brings over a decade of experience in the financial services industry, having joined Merrill in 2019. Prior to his career in finance, he played professional basketball internationally and began his financial career in Real Estate Finance, specializing in lending solutions for real estate investors and homeowners. Adam holds a Bachelor of Arts degree in Political Science with a minor in Business Administration from the University of Oregon. He has expertise in corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. His client focus areas include family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, socially responsible and ESG investing, sports and entertainment, and tax minimization. Residing in Palos Verdes, California, Adam and his brother run a youth club basketball program. He is also involved in his community as a youth basketball coach. Adam holds the Personal Investment Advisor (PIA) professional designation.

Justin Holcher is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 29 years of experience serving high-net-worth families. He leads a wealth management team dedicated to assisting affluent families and institutions by developing customized strategies that focus on growing, preserving, and building a legacy of wealth. Justin's approach involves listening carefully to each client's unique needs and objectives, starting with a thorough analysis of their current financial situation to create a personalized financial strategy that addresses short-term needs and long-term goals. Justin holds a Bachelor's Degree from the University of Southern California and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His expertise covers areas such as corporate executive services, divorce transition planning, education planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, and retirement income. He has been married for 25 years, has three children, and is a long-time resident of Palos Verdes, California. Outside of his professional work, Justin enjoys activities such as basketball, camping, hiking, skiing, soccer, spending time with his family, and traveling.

Julianne Oshinomi is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with the firm for over 20 years, providing clients with tailored financial advice and wealth management strategies. Julianne works alongside her team in Boca Raton, Florida, collaborating with multiple generations of affluent families to help identify their financial goals and implement strategies to meet their needs. Her role supports a disciplined approach to investing and personalized service. She holds a Bachelor's Degree from the University of Florida and carries professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA).

Asiyat Khuranova is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 2006 and joined Merrill Lynch in 2012. Asiyat holds the CERTIFIED FINANCIAL PLANNER® (CFP®) designation and is also a Personal Investment Advisor (PIA). Asiyat’s approach centers on understanding clients' goals, priorities, and overall financial situations. She leverages the investment insights of Merrill Lynch and the banking capabilities of Bank of America to provide comprehensive wealth planning. Her client focus areas include personal retirement planning, women and wealth, and retirement income. She holds a Master's Degree from Pyatigorsk State Linguistic University and an MBA from the University of Phoenix. In addition to English, Asiyat speaks Russian. Her personal interests include cooking, hiking, music, and reading.

Ryan Aikens is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. He has been with Merrill since 2013. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and various institutional investors.

Benjamin Yodowitz is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his advisory career in 2011 and holds the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. Benjamin focuses on developing customized financial strategies for high-net worth families and businesses, leveraging the resources available to the Lee & Yodowitz Group to implement modern investing techniques. His expertise includes wealth planning, cash management strategies, portfolio performance analysis, and relationship management. Benjamin is a graduate of the University of Southern California, where he earned a Bachelor of Science degree in 2010 and a Master of Business Administration (MBA) in 2017. He has been recognized multiple times in Forbes rankings as part of the Lee & Yodowitz Group, including listings on the Best-in-State Wealth Management Teams and Top Next-Generation Wealth Advisors Best-in-State lists. Outside of his professional activities, Benjamin resides in the Lunada Bay area of Palos Verdes Estates with his wife and two daughters. He enjoys golfing, traveling, and cooking in his free time.

Ramon Morris is a Financial Advisor with Merrill Lynch Wealth Management based in the South Bay. He focuses on helping executives, business owners, and affluent families develop personalized financial strategies by understanding their short- and long-term financial goals. His approach centers on coordination, a long-term perspective, and disciplined decision-making to bring clarity and structure to complex financial decisions. Ramon's expertise includes college education planning, corporate executive services, divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, small business strategies, socially responsible and values-based investing, women and wealth, and sports and entertainment. He supports clients by building models, analyzing different scenarios, and facilitating thoughtful planning conversations to help them evaluate options and move forward with confidence. He holds a Bachelor's degree from Chadron State College and has the Professional Investment Advisor (PIA) designation. Outside of his professional work, Ramon is involved in the community as a high school varsity football coach.

Jonathan Sheffield is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since 2004, he has served entrepreneurs, business owners, wealthy families, and foundations, focusing on a customized approach to wealth management grounded in each client's unique goals and priorities. Jonathan integrates strategies across a spectrum of needs including family office services, investment management, alternative investments, trust and estate planning, custom credit and lending, as well as philanthropic services. Jonathan holds a Bachelor of Science degree from the University of Southern California and has earned the Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA) designations. He has been recognized on Forbes lists, including the "America's Top Next-Generation Wealth Advisors" in 2018 and 2020, and the "Best-in-State Wealth Advisors" list in 2021. Outside of his professional career, Jonathan enjoys spending time with his family, coaching his three sons in baseball, soccer, and basketball. His hobbies include golfing, swimming, surfing, and other outdoor activities. He resides in Palos Verdes with his wife and their children.

Michael Baghramian is a Senior Financial Advisor and a Senior Vice President at Merrill Lynch Wealth Management. He is also a co-founder of The Peninsula Group, where he works closely with a select group of clients, providing attentive focus and developing thoughtful strategies to support their financial goals. Before joining Merrill Lynch in 2024, Michael spent 17 years at UBS and Morgan Stanley. Michael's expertise includes tax-sensitive portfolio design, alternative investments, risk analysis, and strategies for concentrated and restricted stock. He is experienced in providing customized lending opportunities and liquidity strategies and has a deep understanding of RSUs, stock options, and ESPP. Michael's client focus areas include college education planning, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, portfolio management services, and tax minimization. He holds a B.S. in Management Science from the University of California, San Diego, and maintains California life and health insurance and annuity licenses. Michael grew up in Palos Verdes Estates, where he currently lives with his wife and three children. Outside of work, he is involved in his local church and enjoys playing beach volleyball.

Sophat Heng is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley, T Rowe Price, First Command Financial Planning, and served in the United States Army. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.