Luciano & Associates

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Luciano & Associates

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Helping successful clients pass along wealth and wisdom –
to benefit loved ones and the world around them.

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Welcome

At Luciano & Associates, we admire the people we serve – a growing circle of entrepreneurs and venture capitalists in Silicon Valley and elsewhere that looks inwardly, beyond dollars to their values (which most often involve family and the greater good). 

For this elite clientele, we focus on “goals and holes” in their financial lives. By spending significant time with clients, we can help them identify and articulate their personal meanings of wealth. 

In addition to crafting retirement planning, liability management, tax minimization and estate planning strategies, we examine whether “protective components” are in place – life and disability insurance, and other measures that clients with demanding schedules may overlook.

Managing clients’ assets similarly to endowments, we lean toward private and public equity, as well as alternative investments. This, we believe, allows clients’ portfolios to achieve growth, while exposing them to less volatility and risk. While many investors are comfortable with traditional diversification among stocks and bonds, we favor the inclusion of non-correlated assets – to help meet clients’ real-life goals, not just industry benchmarks.

Inspired by the positive mindsets and intentions of clients, we are proud to assist accomplished people who wish to accomplish more.

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.

Impressive Clientele

At Luciano & Associates, we serve successful entrepreneurs and venture capitalists that have accumulated significant wealth. And while clients acknowledge that their professional achievements are considerable, these thoughtful individuals typically put their children’s education, charitable causes, and other worthy endeavors at the top of their priorities, and extravagance at the bottom.

We find it fulfilling to assist clients who want their wealth to effect positive change in the world. Clients also want their children to share those ambitions, and are raising their kids with the middle-class values many of us still have. That’s why we’re happy to provide financial education to their children – given the opportunity.

On behalf of these “quietly-wealthy” residents of Silicon Valley and beyond – who see themselves as devoted parents and are deeply involved in their children’s education, sports and other activities – we utilize our diligence and discipline to help grow, preserve, and bring meaning to clients’ wealth.

Each of us is dedicated to building a trusted and familial relationship with clients. It’s the best way we know to embrace key areas that can contribute to a client’s prosperity and confidence.

Clients Can Expect

At Luciano & Associates, we care about clients – their financial and physical health, as well as their priorities for themselves and loved ones.

And while our clientele has typically accomplished “great things” professionally, the effort they’ve put forth often comes at a price. Before meeting with us, they may have neglected critical aspects of wealth management that can bring them greater financial stability and certainty.

In fact, the health of a client’s wealth is often determined by what they haven’t done. That’s why we begin each client relationship by focusing on areas that many financial advisory groups do not. Rather than “jumping into” a client’s portfolio and offering suggestions, we examine a client’s current liabilities, past use of credit to create opportunity, trust documents, insurance coverage, and more.

As part of our planning-based approach, we want to hear what clients say (and often, don’t say) about their comfort with wealth and other issues. From there, we can formulate integrated, goals-based strategies that can help clients achieve near-term milestones and long-term satisfaction.

When it comes to managing clients’ investments, we favor private and public equity, as well as alternative investments – thereby exposing clients to non-correlated assets and reduced risk. We also provide clients with access to Bank of America, N.A. for residential, commercial and securities-based lending. And to complement our own acumen and attention, we often coordinate with clients’ CPAs and attorneys – to align efforts for tax minimization and estate planning strategies.

We enjoy helping clients “put wealth to work” – allowing good people to do good things.

*Some or all alternative investments may not be suitable for certain investors. Certain alternative investments carry significant risk and are not subject to the same regulatory oversight as mutual funds and other traditional investments.  For these reasons, access to alternative investments may be limited to investors who are designated as sophisticated, high-net-worth investors.
 

What We Believe

Clients deserve that their wealth supports what they deem most important and worthy of their hard work. It may be a rewarding lifestyle, their next venture, a child’s education, a lasting legacy, a worthwhile cause, or something entirely different.

At Luciano & Associates, we are able to serve each client’s best interests, by delivering:

• Fact-based strategies. We don’t assume anything about clients. We ask questions, listen closely and strive to provide advice and guidance that’s responsive and responsible. In addition to our experience, we listen to the award-winning analysts of Merrill Lynch and thought leaders around the world. Blending our “knowledge of you” with internal and external insights is a potent formula for addressing each client’s ambitions.

• The power of synergy. Because the whole is greater than the sum of its parts, we coordinate internally with specialists throughout our firm and externally with clients’ other trusted advisors – including their CPAs and attorneys. Acting collaboratively and proactively is a hallmark of our “get it done right” philosophy.

• Updates, insights, and the form of those communications tailored to each client’s needs. Many clients don’t want to get “into the weeds” of their investments. Others are quite interested in their holdings and our thinking behind a recommendation. It’s incumbent on us to deliver information how, when and where each client prefers.

It feels good to serve clients whose personal values weigh heavily on their meaning of wealth. We believe that we are as motivated as the people we serve.

Philosophy

We believe that the best financial strategy is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Worried about managing future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth on to future generations? With access to the investing insights of Merrill Lynch and the banking convenience of Bank of America, we will work with you to develop strategies that are designed to address your priorities and financial needs.

Approach

We begin every relationship with a conversation, helping you to identify and prioritize which goals matter most to you. Whether that's transferring wealth to the next generation, customizing financial strategies that help you pursue your passions, or simply providing advice and guidance to help you stay informed, we start by listening to learn more about you.

Merrill Lynch developed the Investment Personality Assessment to help us get to know your investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can help customize the financial strategy we develop together.

Your approach to investing

Drawing upon research in the field of behavioral finance, Merrill Lynch developed the Investment Personality Assessment to help us get to know you better as an investor and potentially help you refine your own investing preferences. By gaining a deeper understanding of how you think and feel about investing through this assessment, we can customize the financial strategy we develop together to help you with your approach for what matters most to you. Our Investment Personality Assessment is one of the ways to help me get to know you – to understand your goals and priorities. These questions will give you a sense of the full assessment and help us provide you with additional insights and resources.

Understanding your goals and priorities

Your life and goals change. We have tools to help you keep track of these changes so they can be reflected in your financial strategy.

Capabilities

Our process is designed to deliver a customized, consistent experience to assist clients not only in wealth accumulation and preservation, but in areas that go beyond portfolio management. Our ability to provide access to the investment insights of Merrill Lynch and the banking convenience of Bank of America offers a way for clients to manage all of the pieces of their financial lives. We can be a financial resource, helping clients with the process of transferring wealth to the younger generation.

Focus On Individuals and Families

We work primarily with high-net-worth individuals and families. We’ll begin by getting to know you as we explore the following seven priorities together:

  • Health: Managing healthcare expenses, now and in the future
  • Home: Upsizing, downsizing, remodeling or buying a vacation home
  • Family: Taking care of your family and other people in your life
  • Leisure: Spending your free time in meaningful ways
  • Giving: Volunteering, mentoring others and giving to charities
  • Work: Working in retirement, selling or starting a business
  • Finance: Bringing it all together and defining your financial goals
We work closely with other trusted professionals to help clients pursue their goals, drawing on the investment insights of Merrill Lynch and access to the banking convenience of Bank of America as we do so.

Meet the Team

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

Your Financial Strategy

We offer you access to the investing insights of Merrill Lynch, trust and fiduciary services from U.S. Trust, and the banking convenience of Bank of America to help you pursue your goals. We will work to help you stay on track, regardless of what the markets are doing.

FAMILY
FAMILY
Taking care of your family and other people in your life
  • Trust & Estate Services2
  • Education Funding Strategies1
  • Insurance3
HEALTH
HEALTH
Planning for healthcare expenses now and in the future
  • Long-term Care Insurance3
  • Health Savings Account2
  • Disability Insurance3
HOME
HOME
Upsizing, downsizing, remodeling or buying a vacation home
  • Home Loans2
  • Home Equity Lines of Credit2
  • Securities-Based Lending2
  • Credit Cards2
WORK
WORK
Working in retirement, selling or starting a business
  • Bank of America Business Banking2
  • Exchange Funds1
  • Concentrated Stock Management1
  • Succession Planning1
LEISURE
LEISURE
Spending your free time in meaningful ways
  • Credit Cards2
  • Securities-Based Lending2
  • Structured Lending2
GIVING
GIVING
Volunteering, mentoring others and giving to charities
  • Donor-Advised Funds2
  • Private Foundations2
  • Charitable Trusts2
FINANCE
FINANCE
Using your finances to bring it all together
  • Merrill Lynch Investment Accounts1
  • Investment Advisory Accounts1
  • Alternative Investments1
  • Exchange-Traded Funds1
  • Mutual Funds1
  • Closed-end Funds1
  • Fixed Income Products1
  • Options1
  • Annuities3
  • Impact Portfolios1
  • Market-Linked Investments1
  • Securities-Based Lending2
  • Margin1
  • Home Loans2
  • Bank of America Checking and Savings Accounts2
  • Credit Cards2
  • Online Account Access1,2

1Investment products are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2Banking products are offered by Bank of America, N.A.
3Insurance and annuity products offered through Merrill Lynch Life Agency Inc.

Staying on Track

We understand that both your life and the financial markets can change over time. By periodically checking in to discuss changes in your life and revisiting your financial strategy, our goal is to help give you peace of mind* that you're on track to help achieve what's most important to you.

Regular reviews to help you stay on track
Regular reviews to help you stay on track

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

  • Sample client review agenda
  • Sample Wealth Outlook Report
Monitoring changes in your life and to your goals
Monitoring changes in your life and to your goals

Your life and goals change. We can help you keep track of these changes so they can be reflected in your financial strategy.

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Access to what you need, when you need it

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

  • Your advisor is never more than a click away within our site or mobile apps
  • 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 Lynch’s asset aggregation tool

*Peace of mind is an aspirational state of mind that clients hope to achieve. There are no guaranteed results following completion of the Goals-Based Wealth Management process because markets can fluctuate and investments can lose value. Advisors work with clients to help them understand how the goals based wealth management process can help to address their concerns, financial situation and priorities.

Let’s Have a Conversation

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

Why Merrill Lynch?

As Merrill Lynch financial advisors, we will sort through the financial complexities of your life, helping you build a customized investment strategy to pursue your goals.


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





Transcript of Video

Personalized advice from a dedicated financial advisor.

Getting to know you is our primary goal.

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

Drawing from our experience and the best thinking of Merrill Lynch, we will build a strategy that reflects your unique needs, priorities and financial situation.

Adjusting your plan as your life and the markets change.

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