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daRoza-Quintero & Associates

Private Wealth Advisors




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daRoza Quintero Team

About us

daRoza Quintero & Associates

Located in San Francisco, we are a wealth management team within the Private Banking and Investment Group at Merrill Lynch. As members of the Corporate Benefits Advisory Services division, we work with affluent clients, many of whom are C-suite executives and serial entrepreneurs. The clients we serve have busy, engaged lives. We look to make their financial lives less complex by identifying any gaps in their strategy. We then research and refine elegant responses to those gaps so that clients can spend time doing the things they enjoy. We also look to make work optional for clients, through prudent planning and long-term strategic thinking.

Refining the Meaning of Wealth Management

We help clients define and pursue four distinct areas of their financial lives:

  • Wealth enhancement: We pursue investments that are attuned to clients’ risk tolerance and tax situations.
  • Wealth transfer: We help clients find tax-efficient ways to pass assets to succeeding generations.
  • Wealth preservation: We counsel clients to make prudent decisions about potential creditors, litigants, children’s spouses, and ex-spouses.
  • Charitable gifting: We facilitate clients’ efforts to maximize the impact and efficacy of their philanthropic undertakings.
  • Grounded in a Consultative Approach

    The only expert on the client is the client. So we take significant time to consult, interview, and engage with clients. In addition to profiling assets and investments, we discuss what is most important to clients: their values, goals, relationships, interests, advisors, and preferred process. The answers, of course, are never the same, prompting us to create financial strategies that are reflective of the people we serve.

    Offering a Suite of Services

    We are a single source for integrated wealth management:

  • Stock option planning
  • Restricted and concentrated stock strategies
  • Tax minimization strategies*
  • Asset allocation**
  • Banking and lending through Bank of America, N.A.
  • Charitable giving strategies
  • Lifestyle services (bill pay, concierge, private yachts, private aircraft)
  • Trust and estate planning services
  • Meet the team


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