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Merrill lynch

Luciano & Associates

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Merrill Lynch
Wealth Management

Whatever your personal goals may be, we will work together with you, one-on-one, to develop a personalized financial strategy designed to help you pursue your long-term goals.



Welcome to Luciano & Associates, your trusted financial resource in the Silicon Valley for the past three decades.

Our dedicated team of professionals is here to put your unique goals at the heart of every financial decision - forming the bedrock of your tailored financial strategy. We understand that significant wealth necessitates personalized, goals-based financial strategies.

At Luciano & Associates, we go beyond traditional retirement planning offering comprehensive advice and guidance that encompass estate planning strategies, equity compensation strategies, tax optimization, liability management and much more. We pride ourselves on identifying potential blind spots that often go unnoticed in your financial planning, such as the critical aspects of life and disability insurance.

In our commitment to building enduring relationships, we spend time at the beginning of a relationship to fully grasp your most pressing priorities - for today and the long-term. We celebrate a philosophy of collaboration, working closely with a team of specialists that enables us to tap into the wealth of resources and insights offered by a world class global financial institution. This collaboration helps us create strategies that mirror your family planning aspirations for generations to come. 

Navigating the complexities that significant wealth can bring is a challenge we understand. Drawing from our extensive experience, unwavering passion, and unique perspectives, we are here to simplify your financial life. We can help make it more manageable and help ensure you move forward with confidence and ease. Join us in safeguarding your financial future and helping you achieve your goals with clarity, precision, and the trust that comes from a lasting relationship.

*Merrill Life Agency's California License Number 0522776

Who We Serve

At Luciano & Associates, we serve a select group of accomplished individuals, including founders, executives, venture capitalists, and entrepreneurs who have achieved significant wealth and are now seeking a dedicated financial resource. We are proud to cater to the discerning needs of these "quietly-wealthy" residents of Silicon Valley and beyond. Our commitment lies in using our unwavering diligence and discipline to cultivate, preserve, and add purpose to our clients' wealth.

We find our greatest fulfillment in nurturing strong, trust-based relationships, extending our support to both clients and their extended family members. This approach allows us to delve into key areas that contribute significantly to our clients' prosperity and confidence, making their financial journey as seamless and meaningful as possible.

Additionally, we understand the importance of generational wealth and knowledge. As a multi-generational team of advisors, we actively seek to connect with our clients' children. Our aim is to educate the next generation on matters of financial planning, empowering them to follow in their parents' footsteps and continue to build upon their hard-earned success. We believe that by sharing our extensive knowledge, we can aid in creating a legacy of financial wisdom that spans across generations.

What Clients Can Expect

While our clientele has typically achieved remarkable professional success, this often comes at a price. Prior to engaging with us, they may have overlooked critical aspects of wealth management that are essential for greater financial stability and security.

Rather than hastily delving into a client's portfolio with generic suggestions, we conduct a thorough evaluation of their "financial wellness." We adopt a holistic perspective to gauge the progress made in their financial plan and identify potential blind spots. These blind spots might include essential questions such as: Do you have a comprehensive estate plan in place? Do you possess adequate insurance coverage? Have you established a contingency plan to ensure your family's well-being in the event of unforeseen circumstances?

Our planning-centered approach revolves around listening to what clients express and, just as importantly, what they may leave unspoken regarding their comfort with wealth and related concerns. From this foundation, we craft integrated, goals-based strategies that help clients achieve short-term milestones while fortifying their long-term financial plan.

Only after addressing these fundamental planning components do we tailor a portfolio designed to deliver the required rates of return for your financial success. While conventional investors often adhere to the stock and bond model, we advocate an alternative approach. We manage clients' assets akin to endowments, utilizing public equity, private equity & credit, and other alpha-generating, uncorrelated financial strategies. This approach aims to nurture portfolio growth while mitigating volatility and risk, ultimately enhancing compounding efficiency over time.

As your comprehensive financial "one-stop shop," we provide you with access to the full spectrum of resources offered by Bank of America, including access to private banking, securities-based lending, commercial/business banking, and more.

Furthermore, in addition to our extensive knowledge and attention, we frequently collaborate with clients' other advisors, such as CPAs and attorneys. This collaborative effort aligns our strategies for tax minimization and estate planning, helping to ensure a cohesive and effective approach to safeguarding your financial future.

*Some or all alternative investment programs may not be in the best interest of certain investors. No assurance can be given that any alternative investment’s investment objectives will be achieved.

*Merrill Life Agency's California License Number 0522776


Our Philosophy

At Luciano & Associates, we firmly believe that clients should see their wealth as a means to support what they hold most dear. Perhaps that’s a rewarding retirement lifestyle, their next business venture, a child's education, a lasting legacy, a worthwhile cause, or something entirely unique – we want to be there with support and thought-provoking ideas and potential solutions. 

To uphold this philosophy, we are committed to delivering:

Fact-Based Strategies: We refrain from making assumptions about our clients. Instead, we ask probing questions, listen attentively, and strive to provide advice and guidance that are both responsive and responsible. In addition to drawing from our experience, we tap into the expertise of Bank of America & Merrill's award-winning analysts and thought leaders from around the world. By melding our "knowledge of you" with internal and external insights, we create a powerful formula for addressing each client's ambitions.

The Power of Synergy: We recognize that the collective effort is often greater than the sum of its parts. This understanding drives us to collaborate internally with specialists across our firm and externally with clients' trusted advisors, including their CPAs and attorneys. Acting collaboratively and proactively is a fundamental aspect of our "get it done right" philosophy.

Tailored Communication: We understand that each client has unique preferences for receiving updates, insights, and information about their investments. Some clients prefer to stay high-level, while others are deeply interested in the intricacies of their holdings and the rationale behind our recommendations. It's our responsibility to deliver information in a manner that aligns with each client's specific needs, whether in terms of how, when, or where they prefer to receive it.

We approach our role as stewards of your capital with the utmost seriousness. Day in and day out, we dedicate ourselves to consistently delivering value by offering appropriate solutions, ideas, and timely insights to help you achieve your financial goals.

*Any information presented in connection with BofA Global Research is general in nature and is not intended to provide personal investment advice. The information does not take into account the specific investment objectives, financial situation and particular needs of any specific person who may receive it. Investors should understand that statements regarding future prospects may not be realized. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. BofA Global Research does and seeks to do business with companies covered in its research reports. As a result, investors should be aware that the firm may have a conflict of interest that could affect the objectivity of this report. Investors should consider this report as only a single factor in making their investment decision.

*Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.




Merrill is proud of our advisors who’ve received recognition from financial industry publications or directly from Bank of America Corporation. We believe they are setting the standard for exemplary client service.

Paul M Luciano

Forbes “Best-in-State Wealth Management Teams” 2023
Published on January 12, 2023. Rankings based on data as of March 31, 2022.*

Forbes "Best-in-State Wealth Advisors" 2023
Published on April 4, 2023. Rankings based on data as of June 30, 2022.

Forbes "Best-in-State Wealth Advisors" 2022
Published on April 7, 2022.  Rankings based on data as of June 30, 2021.

Meet the Team

Supported by the global resources of Merrill, our team is comprised of talented and experienced individuals committed to building strong client relationships based on trust and personalized service.

Past Events

Monthly Market Update with Luciano & Associates Investment Team

January 16th, 2024|12:00 PM - 12:45 PM PST

At Merrill, we are here to help you make thoughtful decisions about your financial strategy. That’s why we invite you to join us for an informative discussion about current market trends. Our next event will be on Tuesday, January 16th, 2024 at 12:00 PM PST.

To register, please use the following link: Register Here

To better guide the discussion, feel free to send questions / topics of interest to lucianoandassociates@ml.com

    Monthly Market Update - February

    February 6th, 2024|12:00 PM - 12:45 PM PST

    For February's edition of the Monthly Market Update, we will be joined by Managing Director and Head of Capital Markets Investor Solutions for Merrill Lynch Wealth Management, Rob Romano. 

    This month's session will take place on Tuesday, February 6th, from 12:00 - 12:45 PM PST. Please join us for an informative discussion about current market trends, investment themes and 2024 outlook.

    To register, please use the following link: Register Here

    To better guide the discussion, feel free to send questions / topics of interest to lucianoandassociates@ml.com

      Monthly Market Update - March

      March 12th, 2024|12:00 PM - 12:45 PM PST

      For the March edition of the Monthly Market Update, we're excited to announce that we'll be joined by Marci McGregor, Head of CIO Portfolio Strategy for Merrill and Bank of America Private Bank.

      As of the Head of CIO Portfolio Strategy, Marci leads a team of portfolio strategists and investment analysts in providing investment, positioning, and implementation guidance to high and ultra-high net worth clients. She also can be frequently found on CNBC, Bloomberg and other media venues discussing these topics (find her bio attached). Please join us for a fire side chat with Marci where she will cover 2024 investment outlook, current market themes and more.

      The session will take place on Tuesday, March 12th, from 12:00 - 12:45 PM PST.

      Register here.

      In order to better guide the discussion, feel free to send questions / topics of interest to lucianoandassociates@ml.com

        Staying on Track

        We understand that both your life and the financial markets can change over time. By checking in to discuss changes in your life and revisiting your financial approach, our goal is to help you stay on track to achieve what's most important to you.

        Reviews to help you
        stay on track

        We’ll meet with you to review your goals and the progress you’ve made toward reaching them. We’ll also discuss any adjustments needed to your financial approach to help you stay on course.

          Changes in your life
          and to your goals

          Your life and goals change. As these changes occur, we can update your approach to reflect them.


          MyMerrill is your online destination for access to your financial information, secure communications, and a robust offering of tools and capabilities.

          Your advisor is a click away within our site or mobile apps

          You can manage account security with our customizable security capabilities such as touch ID, one time passcode, and other security features

          Access to your complete financial life is available with My Financial Picture, Merrill’s asset aggregation tool

            Let’s Have a Conversation

            Helping you reach your goals starts with getting to know you personally. Through understanding what matters most to you, together we can help you create a financial approach that reflects your personality. Only then can we offer an approach that is built around your life priorities and the advice you need to help you address fluctuations in the market and changes in your life. Let’s work together to help you achieve your goals.

            Why Merrill?

            As Merrill Lynch Wealth Management Advisors, we will sort through the financial complexities of your life, helping you build a customized investment approach to address your needs and pursue your goals.


            We put you first, every day.
            Learn more about the dedicated one-on-one relationship you can have with a Merrill Lynch Wealth Management Advisor.

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            Transcript of Video 

            No question too big or moment too small
            For every question you have, every decision you make and every answer you need, we are with you to listen and help guide you along the many paths your life can take. Watch this video to see some questions we can address together.

            The Power of the Right Advisor®
            Working with a dedicated Merrill advisor means you get personalized investment strategies from Merrill plus access to comprehensive financial solutions only Bank of America can deliver.

            Personalized advice from a dedicated financial advisor.

            We get to know you and your family, your financial situation and what matters most to you.

            A comprehensive approach, built around your life’s priorities.

            Drawing from our experience and the best thinking of Merrill, together we will design an approach that reflects your unique needs, priorities and financial situation.

            Adjusting your investment approach as your life and the markets change.

            We will work to help you stay on track, regardless of what the markets are doing.