Esther Luk is a Senior Financial Advisor in Bayside, New York and her focus is on forming long-term relationships and helping clients with all aspects of their financial lives. Esther provides sophisticated investment management strategies on liquidity and on concentration stocks and options with an emphasis on heling to assure a lifetime retirement income stream. Esther advises clients on wealth accumulation, distribution, and preservation, and offers clients a wide range of services including:

• Portfolio development
• Education plans
• Liability management
• Retirement plans
• Tax minimization
• Asset preservation

Since each family and business owner has unique financial circumstances requiring individualized attention. Esther works closely with clients’ other trusted advisors including accountants and attorneys to address tax, trust, philanthropic, and estate issues.


*Options involve risk and are not suitable for all investors. Before engaging in the purchase or sale of options, investors should understand the nature of and extent of their rights and obligations and be aware of the risks involved in investing with options. Prior to buying or selling an option, clients must receive the options disclosure document Characteristics and Risks of Standardized Options. This document is available by contacting your Merrill Lynch Financial Advisor.