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Whatever your plan is for the future, we'll help you get there.

Whatever your plan is for the future, we'll help you get there.

Whatever your plan is for the future, we'll help you get there.

Whatever your plan is for the future, we'll help you get there.

Whatever your plan is for the future, we'll help you get there.

Whatever your plan is for the future, we'll help you get there.

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Merrill Edge® Retirement — Classroom

Wherever you are in life, retirement starts with a plan. Merrill Edge® can help you manage yours with access to informational articles, videos and easy-to-use tools.

Social Security and health care costs are two topics everyone should know more about when preparing for retirement. Watch these videos to learn more:

Six steps to help you control your future health care costs: Taking a few steps now while you're still working can give you more choices down the road.

Watch now
Control your future health care costs (link opens video in a new window)

Powerful resources designed to help you make smarter decisions

IRA Selector Tool — With Merrill Edge, find out quickly if a Traditional IRA or a Roth IRA may work better for you by using the online IRA Selector Tool.

IRA Selector Tool
IRA Selector Tool (link opens tool in a new window)

Personal Retirement Calculator See what you'll need — then start investing with Merrill Edge.

Get started
Personal Retirement Calculator (link opens tool in a new window)

Prefer to meet in person?

Find a Merrill Edge Financial Solutions Advisor near you to schedule an appointment

There is a single, five-year holding period when determining whether earnings can be withdrawn federally tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.
You have choices for what to do with your employer sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to rollover to an IRA or convert to a Roth IRA, rollover an employer sponsored plan from a prior employer to an employer sponsored plan at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit . Link opens in new window. or call a Merrill Edge® rollover specialist at 844.528.9675 for additional information about your choices.
Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, SafeBalance Banking® accounts and Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.
Offer valid only for new Merrill Edge IRA or CMA accounts. Offer is limited to one per account type (CMA or IRA); two total per accountholder (or per all accountholders of a joint account). Eligible IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP IRAs only. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held with Merrill Lynch, Pierce, Fenner & Smith Incorporated. Merrill Edge reserves the right to change or cancel this offer at any time. Offer only valid for accounts that enroll through the process specified below.
How to Enroll: Customers must enroll at Link opens in new window., or ask to be enrolled when speaking with a Merrill Edge Financial Solutions Advisor™ at 844.528.9675 or at select Bank of America financial centers.
Cash Reward: Open and fund an account within 45 days with funds originating from outside Merrill Lynch and Bank of America, and maintain the minimum qualifying balance for an additional 90 days. For purposes of this offer, qualifying balance shall mean total incoming assets or transfers (including cash, securities and/or margin debit balance transfers) from external accounts, minus assets withdrawn or transferred out of the account within the 90 day holding period. Cash reward qualifications: assets of $20,000 to receive $100; for $50,000-$99,999, receive $150; for $100,000-$199,999, receive $250; for $200,000 or more, receive $600. Assets held by 401(k) plans through Merrill Lynch are excluded. Cash reward is a one-time deposit made within two weeks into your IRA or CMA after meeting qualifying criteria.
Tax Disclaimer: The value of this reward you receive may constitute taxable income. In addition, Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax advisor, as Bank of America Corporation and its affiliates and associates do not provide tax advice. If insurance products are made available to clients through their account relationships with Merrill Lynch, note that waiver of fees, including account fees, may not be used as an inducement to sell any kind of insurance, including life insurance or annuities.

Learn more about Merrill Lynch’s firm's background on FINRA's BrokerCheck

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. You should review any planned financial transactions that may have tax or legal implications with your personal tax or legal advisor.

Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).

Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. 

MLPF&S is a registered broker-dealer, registered investment adviser and Member SIPC. Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency. Both are wholly owned subsidiaries of Bank of America Corporation.

Banking, Mortgage and Home Equity products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly owned subsidiaries of Bank of America Corporation. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

Investment and insurance products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity
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