Helping you live your best life

Esmeralda Quintero realizes financial success doesn't happen by chance. Indeed, the idea of financial success / financial security means something different to every person or organization, and rightfully so: all have different resources, needs and expectations.

 

As we see it, financial planning is not a one size fits all process. So her first priority always is a conversation. Esmeralda's goal is to understand your aspirations in life, and the "why?" behind that, understand your current situation, before providing any recommendations. And as time goes by, she continues the conversation, because ideas that may have been appropriate before often need adjustment to accommodate evolving factors. Ensuring future financial security is an ongoing process, not a single event.

 

Backed by the extensive resources of the Northwestern Mutual Wealth Management Company, Esmeralda Quintero often partners with successful executives, business owners, diverse families, high net worth individuals, and affluent families to help achieve and secure their dreams for the future. She also frequently collaborates with fellow advisors to educate clients on wealth management strategies and solutions.

 

✔ Asset location vs. Asset Allocation ideas

✔ Tax bracket management

✔ Optimize current employer benefits

✔ Wealth accumulation vs. Distribution planning ideas

✔ Deployment of tax-efficient retirement programs / analysis

✔ Discuss saving objectives, creative budgeting, and the optimal way to save for the long-term

✔ Ensure you have a solid foundation for a plan, including solid risk mitigation coverage

✔ Increased safe-dollar yield on tax-advantaged liquid assets

✔ Establish employee benefits for your business

 

Let’s collaborate and create a unique, comprehensive plan that closely aligns your objectives with financial strategies that are cost effective, tax-efficient, and structurally sound for the long term.

Close up of woman in deli with two workers in background

Mission, Vision, and Values

Mission Statement: To empower individuals and families from diverse backgrounds to achieve their financial goals through customized financial planning and education.

Vision Statement: To become the go-to financial advisor for first-generation immigrants and families in the US, providing exceptional service and expertise to help them achieve their American Dream.

Values:

  1. Family First - We understand the importance of family and strive to build meaningful relationships with our clients to help them achieve their financial goals for themselves and their loved ones.
  2. Empathy - We believe in treating our clients with compassion and understanding, recognizing that each person's financial situation and goals are unique.
  3. Knowledge - We are committed to continuous learning and staying up-to-date with the latest financial industry trends to provide our clients with the most comprehensive and personalized advice.
  4. Integrity - We uphold the highest ethical standards in all of our business practices, ensuring transparency and honesty with our clients at all times.
  5. Referrable - We aim to provide exceptional service and value to our clients, making them eager to refer their friends, family, and colleagues to us for their financial needs.
  6. Diversity - We recognize and celebrate the differences in our clients' backgrounds and strive to provide customized financial solutions that reflect their unique needs and circumstances.

Client Testimonial

She is a financial advisor with expertise in insurance and long/short-term financial planning. I had never met with an advisor before who was able to provide me with a tangible plan and not make me feel like she was selling a product. I needed help with my existing insurance policies that were not meeting my needs. I needed help enhancing my existing 401k plan that was not set up to take full advantage of the market. And I needed all these things to be set up in a way that would be low maintenance. Esme supported me in meeting with 3rd parties to set up proper insurance policies, walked me through changes to my investments and followed up with me to make sure things were on track. I would and have referred Esme to friends, family, and colleagues. I think she is awesome!

Latasha Jackson, Client | Principal Change Consultant at PG&E | Oakland, California

Client Testimonial

Esmeralda has helped me understand what is financially possible by leveraging tools that she has access to such as life insurance to build wealth and protect my family. I have also learned how to leverage the full potential of tools available to me through my employer to optimize my overall financial trajectory. Since our initial engagement back in 2022, Esmeralda has increased my knowledge around pensions and the limitations around them that most people don’t know about because it's not broadly publicized by the pension system. Additionally, she helped me understand the tax liabilities in certain vehicles and ensuring that I am on track with diversifying my assets based on my personal & professional goals. Other financial companies provide clients with a snapshot of their financial trajectory. However, Esme and her team have been able to provide me with a personalized roadmap that show case scenario progress over time to pinpoint highly recommended adjustments to our finances today which has been incredibly valuable so far in our relationship. My overall experience has been great!

Rene Perry, Client | Principal Privacy Specialist | San Leandro, California

Client Testimonial

Esmeralda was knowledgeable, a good listener and helped set me up with realistic financial goals for the short-, mid- and long-term. She then outlined the practical steps I can implement to get started. I highly recommend Esmeralda for her professionalism as well as her practical guidance on how to live out my money goals based on my lifestyle and vision for future investments. Shannon Casey Owner & Head Web Designer Luminary Studio

Shannon Casey, Client | Owner & Head Web Designer | Miami, Florida

Client Testimonial

Working with Esmeralda has been a grounding force when I've been in doubt about important financial events in my life. During our time working together, she has provided me with appropriate resources and advice to start long-term investments for my future. Esmeralda has always been kind, gracious, and professional; I would be delighted to recommend her to friends and family searching for financial planning help.

Cristina Madrigal, Client | Film & Production Industry | San Diego, California
The testimonials presented may not be representative of the experience of all clients and are not a guarantee of future performance or success.

The Northwestern Mutual difference

No. 1

Best life insurance company for consumer experience, 2023. (NerdWallet)1

Top 5

We're one of the Top U.S. Independent Investment Broker-Dealers.2

$8.2B

In dividends expected to be paid in 2025.3

A++

AAA, Aaa, and AA+ - we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.4

Boost your financial knowledge.