Jones, Zafari, Klein, Tournat & Castagnola Group, Private Wealth Advisors

Richard focuses on asset allocation, trust services, and credit products, having worked in these areas since 1980. Richard held tenures with J.P. Morgan and Bank of America before joining Merrill Lynch in 1999. Richard has spent his entire career working with high-net-worth individuals, foundations and pension funds. He received his master’s degree in International Finance from Columbia University in 1980 and his undergraduate degree from Boston University, where he graduated Magna Cum Laude. Richard is a member of the board of Los Angeles Opera, Bet Tzedek Legal Services, LA Opera Council, LA Philharmonic Association (Board of Overseers), and Fraternity of Friends of the LA County Performing Arts Center Music Center Leadership Council.

Reza has worked in private investment services since 1984. He concentrates on equity portfolio management, private equity, and diversification strategies. He spent three years at J.P. Morgan in Los Angeles, where he managed all private banking services for the West Coast South Region, including securities brokerage, investment advisory, trust and estate, and credit groups before moving to Merrill Lynch in 1999. Reza also worked for 12 years at Goldman Sachs & Co. and Credit Suisse First Boston in Private Client Services. Reza received his M.B.A. from the Anderson School at UCLA and his B.A. in Economics from Pomona College. He is on the Board of Trustees of Pomona College.

Jerry has worked in investment management consulting since 1994, with a focus on alternative investments including currencies, hedge funds, private equity and commodities. Jerry advised private clients as a Vice President at J.P. Morgan Securities and as an Associate with Credit Suisse First Boston before moving to Merrill Lynch in 1999. He is a portfolio manager for the team’s alternatives strategy within the Merrill Lynch, PIA program. Jerry received his M.B.A. from the Anderson School at UCLA and graduated Cum Laude with a degree in history from the University of Chicago.

Note: Some or all alternative investments may not be suitable for certain investors.

Tom focuses on diversification strategies for large single-stock positions, and trust and estate planning strategies. He has been advising high-net-worth clients since 1989. Prior to moving to Merrill Lynch in 1999, Tom was a Vice President at J.P. Morgan Securities in Los Angeles. His career also includes tenures with a commercial investment real estate firm, and the M&A group of a global accounting firm. He received an M.B.A. from the Anderson School at UCLA and a B.A. in business economics with honors from the University of California at Santa Barbara.

Joseph joined Merrill Lynch in 1999, and has been working with the team since 2006. He began his financial services career in the insurance industry, where he focused on pension consulting, defined benefit and defined contribution sales. Joseph applies his institutional consulting experience to constructing, implementing and monitoring financial strategies designed to meet unique client objectives in the areas of tax minimization, wealth transfer, insurance, investments, and liability management. He is a portfolio manager for the team’s alternatives strategy within the Merrill Lynch, PIA program. He received his B.A. from the University of California at Davis, where he studied political science and economics. He holds the Certified Investment Management Analyst^SM (CIMA®) designation and the CFP® certification awarded by the Certified Financial Planner Board of Standards, Inc.

Note: Some or all alternative investments may not be suitable for certain investors.

Dave began his career as an analyst at JPMorgan in 1996, and moved with his current partners to Merrill Lynch in 1999. He has extensive experience advising private clients and institutions, with a particular focus on asset allocation strategy, global equity portfolio management, and investment manager selection. He currently oversees the team’s asset allocation process. Dave holds the Chartered Financial Analyst® (CFA®) designation. He received his B.A. from Claremont McKenna College, where he graduated Cum Laude.

Eleni began her career as an investment banking analyst at Morgan Stanley. She held successive positions in the equity research division as an associate covering gold and non-ferrous metals, and as a member of the model portfolio research team. Eleni joined Merrill Lynch in 2002. As head of the team’s Fixed Income group, she focuses her attention on the team’s fixed income strategies and credit opportunities strategies. She also co-manages the credit opportunities strategy. She graduated Cum Laude with a B.A. in Economics and Psychology with Honors from Smith College and received her M.B.A. from Stanford University’s Graduate School of Business.

Audney worked in institutional equity management prior to joining Merrill Lynch in 2004. In addition to servicing clients, he also assists in the management of the team’s alternatives strategy within the Merrill Lynch, PIA program*. He received his B.A. from the University of Arizona and his M.B.A. from the University of Southern California.

*Some or all alternative investments may not be suitable for certain investors.

Ryan began his financial services career in 2006 after earning his B.A. in Political Science and Sociology from Amherst College. He joined the team in 2007 as part of the Fixed Income investment team and helped to manage the Fixed Income, Balanced Plus, and Credit Opportunities strategies. Ryan works closely with clients advising them on portfolio strategies and trust and estate planning matters. He also counsels a number of institutional clients, assisting them with endowment and cash-management strategies.

Jose began his financial services career with Merrill Lynch in 1998 as a trading support specialist in the Los Angeles office. He joined the team in 2005 and soon became the primary trader for the team’s Equity, Balanced, Alternatives, Capital Allocators and Credit Opportunities strategies*. In addition to trading, he supports the Equity Team through research and analysis. He also helps manage the Equity Plus and Capital Allocators portfolios.

*Some or all alternative investments may not be suitable for certain investors.

Dustin joined Merrill Lynch in 2010 after earning his B.A. in Philosophy from Pomona College. He provides research for the team’s fixed income strategy, and assists with the management of the team’s fixed income and credit opportunities portfolios within the Merrill Lynch, PIA program.

Fraser first worked for Merrill Lynch in 2005 as an intern in the Los Angeles Private Banking & Investment Group office. In 2007, he graduated from Nottingham Business School, United Kingdom, earning a B.A. Honours degree in Business and Financial Services. In 2008, Fraser joined the Global Wealth Management division of Merrill Lynch’s London office, where he focused on new business development, research, and investment analysis. In 2011, Fraser rejoined the Los Angeles Private Banking & Investment Group, where he provides research and analysis for the fixed income and equities teams.

R.J. joined Merrill Lynch in 2012 after earning his B.A. in Sociology from Pomona College and his M.B.A. with an emphasis in Finance from the Drucker School of Management. He provides research for the team’s alternative investments; he also assists in the management of the team’s alternatives portfolio within the Merrill Lynch, PIA program.*

*Some or all alternative investments may not be suitable for certain investors.

Sam joined Merrill Lynch in 2012 after earning his B.A. in History from Claremont McKenna College. He provides research for the team’s equity strategies; he also assists in the management of the team’s equity plus portfolio within the Merrill Lynch, PIA program.

Judy joined Merrill Lynch in 1998, and has been working with the team since 2010. Her primary responsibilities are client relationship management and team administrative duties. She received her B.A. in English Literature from University of California Los Angeles.

Elisa joined Merrill Lynch in 1999, and has been working with the team since 2009. She has worked in the financial services industry since 1979, with tenures at Torrey Pines Securities, Smith Barney, UBS, and Bateman Eichler Hill Richards. Her primary responsibilities are client relationship management and servicing of accounts.

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.

Jacki joined Merrill Lynch in 1999, and has been working with the team since 1996. Jacki focuses on client relations, quality control and team management.

Lisa joined Merrill Lynch in 2010 after working in the automotive and insurance brokerage industries. She is responsible for client relationship management and team administrative duties.

Chrisanna joined Merrill Lynch in 1995. She has been working with the team since 2006. Chrisanna’s primary responsibilities are client relationship management and the servicing of accounts.

Karen joined Merrill Lynch in 1997. She has been working with the team since 2007. Her primary responsibilities are client relationship management and the servicing of accounts.

Lisa joined Merrill Lynch in 2000. Her primary responsibilities are client relationship management and the servicing of accounts. She received her B.A. in Political Science from University of California Los Angeles.

Wil joined Merrill Lynch in 2011 as an operations representative after earning his B.S. in Business Administration with a concentration in Management from California Baptist University. He joined the team in 2013 and provides research for the team’s fixed income strategy. He also assists with the management of the team’s fixed income and credit opportunities portfolios within the Merrill Lynch, PIA program.