Zephyr Wealth Management
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$180,987,251
Clients
220
Advisors
3
of 6 employees
About
Zephyr Wealth Management is a registered investment adviser that serves individual and high‑net‑worth clients, offering portfolio management, financial planning, and retirement plan consulting for about 220 clients and approximately $242.8 million in assets under management. The firm provides both discretionary and non‑discretionary portfolio management, as well as consulting and 3(21) investment adviser services for retirement plans.
The firm’s investment process centers on a Business Cycle Asset Management (BCAM) strategy that uses fundamental, cyclical and technical analysis to shift asset allocations as economic conditions change; models inform recommendations but individual accounts are tailored and periodically rebalanced. Clients can choose discretionary authority or retain decision‑making control, and accounts are reviewed at least annually with quarterly custodial statements.
Several advisory representatives are also registered representatives of Osaic Wealth Inc. and may be licensed insurance agents, and the brochure discloses that commissions or insurance compensation can be earned when clients implement recommendations through those channels. The firm reports $86.7 million in non‑discretionary assets as of December 31, 2025, and notes measures such as disclosure of costs, recommending no‑load funds, and written procedures intended to address the conflicts that can arise from operating in both advisory and brokerage/insurance capacities.
Client services
Expertise
Occupation focus
Fee options
$0 - $250,000: 1.50% $250,001 - $750,000: 1.25% $750,001 - $1,250,000: 1.00% $1,250,001+: Negotiable
Advisory representatives may receive commissions for brokerage and insurance products sold through Osaic Wealth Inc.
Financial planning and consulting fees at $400 per hour when additional services beyond included planning are requested
Account minimum: $250,000 Fee-only: Advisory fees charged quarterly in advance; financial planning included at no additional cost for accounts over $200,000, $500,000, or $1,000,000 with additional hourly planning fees of $400/hr if applicable
Main office
3625 E. Thousand Oaks Blvd., Suite 145
Westlake Village CA 91362
Advisors at this office
3
Most active in
Arizona · California
Also doing business as
Zephyr Investment Management · Zephyr Investment Management, Inc. · Zephyr Wealth Management
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
Marsha R
CFP®, Series 63, Series 65
Westlake Village, CA
Zephyr Wealth Management
Marsha Roubidoux is a CFP®-certified financial advisor with 41 years of industry experience. She is currently with Zephyr Wealth Management and has previously worked at FSC Securities Corporation. Marsha holds Series 63 and Series 65 licenses. Zephyr Wealth Management is a team-based registered investment adviser serving individuals, high-net-worth clients, and employer-sponsored retirement plans. The firm uses a proprietary Business Cycle Asset Management (BCAM) framework that integrates cyclical analysis with fundamental and technical research to guide investment decisions, managing roughly $421 million in advisory assets across discretionary and non-discretionary accounts.
Cheryl M
CFA®, Series 63, Series 65
Westlake Village, CA
Zephyr Wealth Management
Cheryl Munoz is a CFA® charterholder with 27 years of industry experience. She is currently with Osaic and has previously worked at Zephyr Investment Management and FSC Securities Corporation. Outside of advisory work, she assists with operations for a construction business owned by her husband. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer that serves a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a technology-driven investment process and offers a wide range of programs and custody options, supporting over 6,000 advisors and approximately $200 billion in assets under management.
Vanessa M
Series 63, Series 65
Westlake Village, CA
Zephyr Wealth Management
Vanessa Moore is a financial advisor at Zephyr Wealth Management with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Zephyr Investment Management since 2014, alongside prior roles at FSC Securities Corporation. Moore is also president of VM Financial, a consulting S Corporation. Zephyr Wealth Management is a team-based registered investment adviser serving individuals, high-net-worth clients, and employer-sponsored retirement plans. The firm employs a proprietary Business Cycle Asset Management framework that integrates cyclical, fundamental, and technical analysis to tailor investment strategies, managing approximately $421 million in advisory assets across discretionary and non-discretionary accounts.
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