(How and Why To) Consider an IRA Transfer to Merrill Edge
Transfer IRA
Benefits of Your IRA Transfer
Simplified management
It's easier to track your progress and make more informed investment decisions when you complete an IRA transfer so all retirement savings are visible all in one place. And if you’re a Bank of America customer, you’ll have the added benefit of viewing your bank accounts and Merrill Edge® retirement accounts from the same page.
No fees
When you complete your IRA transfer you have the added benefit of no annual custodial and maintenance fees, which are waived for many Bank of America and Merrill Edge IRAs.1
Investment choices
From mutual funds, stocks, bonds and ETFs offered by Merrill Edge to money market savings and CDs offered by Bank of America, N.A. you’ll have access to an array of investment and banking products designed to fit your needs.2
Learn more about ways to invest »
Easy access to your money
When you're ready to retire, you can easily establish a flexible plan for regular distributions at a frequency that suits your needs.
How to Transfer Your IRA
Open an IRA
Make sure it's the same type of IRA you currently have, for example a Roth or Traditional IRA.
Learn more about IRAs »
Transfer your IRA assets
Once your account is open, you can access the online application or download the Transfer of Assets form to move your assets. You'll need the account name and account number from the institution where you have your current account to complete your IRA transfer.
Or, simply locate an account statement from your existing IRA and call 1.888.MER.EDGE (888.637.3343). A representative will help you complete the transfer process quickly and easily.
The process outlined here is for the simplest kind of IRA transfer, called "in kind." It lets you keep the same diversification, investments and even the same mutual funds you've already chosen. Call 1.888.MER.EDGE (888.637.3343) to find out which type of transfer is best for you.
Ready To Get Started?
Open an IRA
Call 1.888.MER.EDGE (1.888.637.3343)
Representatives are available 24 hours a day,
7 days a week.
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600 Offer
Calculate Your Number - How much do you need to retire?
1 Certain restrictions apply.

Individuals who contribute or transfer $5,000 or more in cash or securities to a qualifying Merrill Edge SEP, SIMPLE, Roth, traditional or rollover IRA by December 31, 2013, will have their annual custodial fee of up to $100 waived for the life of the account. Waiver of fees, including account fees, may not be used as an inducement to sell any kind of insurance, including life insurance or annuities. All other fees will still apply. For more detailed information about the fees associated with a Merrill Edge IRA, please refer to your IRA Disclosure & Custodial Agreement. Trust IRA, 529 accounts and Coverdell ESAs do not qualify for the IRA custodial fee waiver status. Contributions or transfers can be made in a lump sum or in several contributions or transfers totaling $5,000 or more to one account. Assets transferred from existing Merrill Lynch accounts and cumulative household account investments totaling $5,000 do not qualify for the fee waiver. Investment value is based solely on the asset valuation at the time of contribution or transfer and is not affected by subsequent market fluctuations. This offer is subject to change and/or termination without advance notice.

Fees and expenses are subject to change. Please note that other fees and expenses may apply, including early withdrawal penalties and trustee transfer fees. For Merrill Lynch, Pierce, Fenner & Smith Incorporated's standard brokerage fees, please see the Miscellaneous Fees schedule. For Bank of America N.A.'s fees, see your Personal Schedule of Fees.

2 Brokerage IRAs (non-FDIC insured) are available through Merrill Lynch. Bank IRAs (FDIC insured) are available through Bank of America, N.A.