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Merrill Edge offers investment solutions for nearly any goal — from college planning to retirement. Just choose from the account options below to get started.

General Investing

Online Brokerage Account
Use for individual or joint investing or as a custodial account.
Learn more »
Trust & Estate Account
Trust and estate accounts are useful for administering assets that are subject to trust or estate terms. Estate accounts are set up to administer a person's estate after death. Trust accounts hold assets until they are used on behalf of family members or other beneficiaries.

Retirement

Rollover IRA
A Merrill Edge® Rollover IRA offers an easy way to maintain the tax-deferred status of your retirement plan while consolidating your retirement assets into one easy-to-manage account. A Rollover IRA isn't right for everyone. Consider all of your choices and learn if a Rollover IRA may be right for you.1
Have questions?
Talk to a Merrill Edge rollover specialist,
24 hours a day, 7 days a week at 1.888.637.3343.
Roth IRA
Let your earnings have the opportunity to grow tax free and make qualified tax-free withdrawals of contributions at any time.2 Unlike a Traditional IRA, there are no mandatory withdrawals.3 Contributions aren't tax-deductible. Learn more »
Traditional IRA
Allow your investment earnings the opportunity to grow tax free until funds are withdrawn in retirement. Contributions may be tax-deductible.
Learn more »
Inherited IRA
An Inherited IRA is used to transfer inherited retirement plan assets into an account in your name. Use this application to establish either a Traditional or Roth Inherited IRA.
College Planning
529 Plans and UGMA/UTMA Accounts

College Planning

NextGen® Direct 529 Plan
Set aside funds for a child's college education and create the opportunity for contributions to grow tax-free. Learn more »
Custodial (UGMA/UTMA) Accounts
Invest on behalf of a child with this taxable account. The funds can be used for any expenses, including education. Learn more »
Small Business
Small Business IRAs, 401(k) Plan and Business Investing

Small Business

Whether you're self employed or have employees, we offer a variety of plans.
Small Business 401(k)
Whether you're a sole proprietor or have hundreds of employees, this low-cost plan offers simplified account opening, plan set-up and ongoing administration.Learn more »
SEP IRA
High contribution limits plus simple set up and low cost might make this plan work for small businesses with variable cash flows. Learn more »
SIMPLE IRA
Design for small businesses, this affordable retirement plan is one way small business owners can help their employees plan for the future. Learn more »
Business investor account
This account gives you access to a suite of investment based solutions and cash management services. Learn more »
Banking
CDs and Money Market Savings Accounts

Banking

Invest in FDIC-insured4 CDs and money market savings accounts and learn about investing in health savings accounts.
Money Market Savings IRA Learn more »
Health Savings Accounts5 Learn more »
Forms & Applications
Most requested forms, forms by category and by title

Forms & Applications

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1 You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to 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 http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

2 There is a single, 5 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.

3 With inherited IRAs, beneficiaries must begin taking distributions within certain periods specified by the IRS.

4 Retirement accounts opened through Bank of America, N.A., including Roth and Traditional IRAs, are insured by the FDIC up to $250,000 per depositor. These accounts are insured separately from other deposits you may have with Bank of America, N.A.

5 Bank of America, N.A., a wholly owned banking affiliate of Bank of America Corporation (BofA Corp.) and member FDIC makes available the Health Savings Account as a custodian only. The account beneficiary establishing the HSA is solely responsible for ensuring satisfaction of eligibility requirements set forth in IRC sec 223. If an individual/employee establishes a HSA and s/he is not otherwise eligible, s/he will be subject to adverse tax consequences. In addition, an employer making contributions to the HSA of an ineligible individual may also be subject to tax consequences. We recommend that applicants and employers contact qualified tax or legal counsel before establishing a HSA.

Mutual fund offerings for BANA's HSA are provided by Devenir, LLC., which is a registered broker-dealer and member FINRA/SIPC. Devenir, LLC provides investment services through its affiliate Devenir Investment Advisers, LLC, which is a registered investment adviser. Devenir, LLC is not an affiliate of BofA Corp. Merrill Lynch, Pierce, Fenner & Smith Incorporated does not provide investment services for the BANA HSA.

Banking products are provided by Bank of America, N.A. and affiliated banks. Members FDIC and wholly-owned subsidiaries of Bank of America Corporation.

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