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THE POWER TO
put plans into action

At Merrill, we have the people, tools and personalized advice and guidance to help turn your ambitions into action.

Merrill Edge® Self-Directed

A self-directed investing platform that streamlines investing, giving you access to researchFootnote 4 and insights, step-by-step guidance and flexible tools—all with low flat‑rate pricing.
$6.95
Online stock & ETF trades
Other fees may applyFootnote 1
 
Minimum investment
$0

Merrill Guided Investing

A professionally managed portfolio aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals.Footnote 5
0.45%
Annual program feeFootnote 2
Other fees may applyFootnote 1
 
Minimum investment
$5,000

Merrill Guided Investing
with an advisor

All the benefits of Merrill Guided Investing with an advisor who will discuss your priorities and provide advice and guidance to help you pursue your goals.
0.85%
Annual program feeFootnote 3
Other fees may applyFootnote1
 
Minimum investment
$20,000

Have more complex wealth management needs?

Invest with a Merrill Lynch Wealth Management Advisor, a Merrill Private Wealth Advisor, or a team of Bank of America Private Bank specialists to help you grow, preserve and manage your wealth.Footnote 6
Merrill a Bank of America Company
Bank of America Private Bank

Streamlined experiences designed for any investor

Introducing an innovative new way to invest online with a personalized experience that can
simplify how you choose investments and help you make more informed decisions —
so you can manage your portfolio with the tools to help you invest with confidence.
Easy access to your accounts

Award-winning research & insights

Make more informed investment decisions with insights and perspectives, timely investing ideas and access to award-winning research from BofA Merrill Lynch Global Research.Footnote 4

A full range of investments

Investing and banking made simple

Link your Merrill investing and Bank of America banking accounts to view and manage your accounts online and on your mobile device. With just one login, you can transfer funds instantly between your accounts.Footnote 10 Learn more about linking your Merrill and Bank of America accounts
Enjoy real benefits and rewards on your Merrill investing and Bank of America banking account balances. And as your balances grow, so do your benefits. Learn more about preferred rewards

What matters to you most

Use our tools, information and solutions to help you plan for what matters to you,
from pursuing your retirement and other financial goals to managing your financial priorities.
family home leisure work health finances giving Image Map

Help when you want it

Turn to us for step-by-step guidance when you have questions
or need help getting the most out of Merrill.
$600
Get up to $600 when you invest in a new Merrill Edge® Self-Directed account. How to qualify for up to $600 with an account

Recognized for excellence

J.D. Power Certified Customer Service logo
Merrill Edge has been recognized by J.D. Power by providing "An Outstanding Customer Service Experience" for Phone support for 8 years in a row.Footnote 11
Barron's 2019 Best Online Brokers Survey logo
One of the best online brokers, receiving 4 out of 5 stars six years in a row (2014, 2015, 2016, 2017, 2018, 2019).Footnote 12
Kiplinger's logo for Best Online Brokers 2017
#1 ranked for "Best Online Brokers" 2017, earning 4.5 out of 5 stars overallFootnote 13
Institutional Investor logo
One of the top global research firms from 2011-2018Footnote 4

Your life. Our Guidance.

Get flexible tools and step-by-step guidance
to help you invest for retirement on your terms.

Set your goals in motion

We can help you build a retirement strategy that's right for you.
These popular resources provide clear, personalized step-by-step guidance.

Are you on track for
retirement?

Use our Personal Retirement Calculator to find out.

Which IRA is right
for you?

Find out quickly if a Traditional IRA or Roth IRA may work better for you.

How can you become a more tax-savvy investor?

How to keep taxes in mind when making investing decisions.
Learn about the potential for greater tax savings and withdrawal flexibility.

Guidance for every stage of life

View all questions
and answers from Merrill SMEs

Our subject matter experts answer common investing and personal finance questions.

Do you have the right investments?

Build a balanced portfolio in 3 simple steps.Footnote 7
Plus: 10 tips to help you boost your retirement savings — whatever your age.

Investing your way

At Merrill Edge®, you have the freedom to invest on your own terms—exactly the way
you want. And as your investing needs change, you can feel comfortable knowing
that we'll be there for you every step of the way.

Merrill Edge® Self-Directed

A self-directed investing platform that streamlines investing, giving you access to researchFootnote 4 and insights, step-by-step guidance and flexible tools—all with low flat‑rate pricing.
$6.95
Online stock & ETF trades
Other fees may applyFootnote 1
 
Minimum investment
$0

Merrill Guided Investing

Get a professionally managed portfolio aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals.Footnote 5
0.45%
Annual feeFootnote 2
Other fees may applyFootnote 1
 
Minimum investment
$5,000

Merrill Guided Investing
with an advisor

Work with a licensed Merrill Financial Solutions Advisor™, who can help you pursue your financial goals and plan for what matters most to you.
0.85%
Annual feeFootnote 3
Other fees may applyFootnote 1
 
Minimum investment
$20,000

Have more complex wealth management needs?

Invest with a Merrill Lynch Wealth Management Advisor, a Merrill Private Wealth Advisor, or a team of Bank of America Private Bank specialists to help you grow, preserve and manage your wealth.Footnote 6
Merrill a Bank of America Company
Bank of America Private Bank

What matters to you most

Use our tools, information and solutions to help you plan for what matters to you,
from pursuing your retirement and other goals to managing your priorities.
family home leisure work health finances giving Image Map

Help when you want it

Turn to us whenever you have questions or need help getting the most out of Merrill.
Looking for advice to help you get and stay on track?
Work with a licensed Merrill Edge Financial Solutions Advisor™.
$600
Get up to $600 when you invest in a new Merrill Edge® Self-Directed account. How to qualify for up to $600 with a new account

Get to know what
the experts know.

Get a fresh perspective on your investing strategies
with expertise from BofA Merrill Lynch Global Research
along with easy-to-use tools and actionable insights.

Discover new investing opportunities

Stay on top of trends and the markets with commentary on topics that interest you and inform your investing strategy.
Our Perspectives

Merrill Edge Report

Our nationwide survey takes an in-depth look at the financial concerns and priorities of mass affluent Americans. More about Merrill Edge Report
Merrill Edge Minute

Our current Merrill Edge Minute issue

Timely insights that can help make your financial life better. View it now the Merrill Edge Minute current issue
Washington update
Latest insights on how tax reform and other legislation could affect the markets and your financial life. More about our Washington update

Explore a transforming world

You'll find fresh perspectives and analysis from some of the
best minds in the business on topics from around the globe.
Markets

Capital Market Outlook (PDF)

Get weekly insights on the markets and the economy from the Chief Investment Office.
Markets

Market Decode: Is impact investing right for you? video

Ways you can combine a desire to have a positive impact in the world with investing for your future.Footnote 9
Markets

Dealing with volatility: What you need to know now

Timely insights to help you manage risk when markets shift.

Access award-winning research

Make more informed investing decisions with actionable insights, timely investing ideas and research from Morningstar, CFRA (powered by data from S&P Global) and BofA Merrill Lynch Global Research—ranked one of the top global research firms from 2011-2017 by Institutional Investor.Footnote 4 Learn more about award-winning research

Simplify your search for investments

 

Customizable screeners

Narrow your search for the right investments and filter results by performance, ratings and more using over a dozen predefined screeners.
Learn more about stock screeners

Portfolio management and analysis simplified

Build and monitor your portfolio and make the most of your investments.
Learn more about online trading

Merrill Edge Select® Funds & ETFsFootnote 14

Merrill Lynch analysts evaluate and categorize ETFs and mutual funds to help you find investments that fit your investing strategy.
Learn more about Select funds and ETFs

Boost your financial know-how

Explore educational resource topics like general investing, investing & markets and investment choices.
I'd like to see resources for
investors, like me.

Help when you want it

Turn to us whenever you have questions or need help getting the most out of Merrill.
Looking for advice to help you get and stay on track?
Work with a licensed Merrill Edge Financial Solutions Advisor™.
$600
Get up to $600 when you invest in a new Merrill Edge® Self-Directed account. How to qualify for up to $600 with a new account
Footnote 1 Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit our Pricing page.

Footnote 2 Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45% and 0.85%, respectively, based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus.

Footnote 3 Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45% and 0.85%, respectively, based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus.

Footnote 
Institutional Investor magazine announced BofA Merrill Lynch Global Research as one of the top global research firms from 2011-2018 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Merrill Lynch Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. For more information about this award, go to Institutional Investor popup. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 
The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).

You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge.
Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the custodian of this account for the benefit of another person, please keep in mind that these assets will be invested for the benefit of the other person. Merrill Guided Investing is offered with and without an advisor.

Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. Investment advisor registration does not imply a certain level of skill or training.
Footnote 6 Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, Member SIPC, and a wholly-owned subsidiary of BofA Corp.

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill Lynch's obligations will differ among these services. The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.
Trust and fiduciary services are provided by Bank of America N.A., Member FDIC and a wholly-owned subsidiary of Bank of America Corporation.

Footnote 7 Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.

Footnote 8 Market indices or other benchmark returns are shown for comparison purposes only, and there is no assurance or guarantee that such performance will be achieved. Indices have not been screened or selected according to the investment style of the accounts. All indices are selected by the user and may or may not offer appropriate comparisons to your account. The indices available represent a subset of all indices used in various markets and the list may change over time. Indices are unmanaged. Individuals cannot invest directly in an index.

Footnote 9 Impact investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.

Footnote 10 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®, 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.

Footnote 
J.D. Power 2018 Certified Contact Center ProgramSM recognition is based on successful completion of an evaluation and exceeding a customer satisfaction benchmark through a survey of recent servicing interactions. For more information, visit J.D. Power popup. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome. Participation in this survey was paid for by Merrill Lynch.
Footnote 
Merrill Edge was one of 14 brokers evaluated in the Barron's 2019 Best Online Broker Survey, February 22, 2019. Barron's evaluated firms in — the trading platform, usability, mobile, research, education, news, information, international offerings and retirement/divided-related services—to rate the firms. Merrill Edge earned an overall score of 28 out of a possible 50. All costs assume customer has a minimum of $100,000 in assets with broker. Occasional Trader: six stock and two options trades per month. Assumes customer qualifies for 100 $0 stock trades per month through Preferred Rewards Platinum Honors. If not, occasional fee is $70.60 per month. Learn more at Who Are 2019's Best Online Brokers? popup Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's. Rankings and recognition from Barron's are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 
Merrill Edge was ranked 5 out of 8 online brokers by Kiplinger's Personal Finance's "Best Online Brokers" survey October 2018. To be included, firms had to offer online trading of stocks, ETFs, funds and individual bonds. Results based on ratings in the following categories: Total Commissions Score, Breadth of Investment Choices, Tools, Research, Ease of Use, Mobile Access, and Advisory Services. Learn more at Kiplinger's Personal Finance popup, October 2018 © 2018 The Kiplinger Washington Editors. Used under License. Merrill Edge provides access to research from BofA Merrill Lynch Global Research, CFRA (powered by S&P Global), Morningstar and others. The ranking or ratings shown here may not be representative of all client experiences because they reflect an average or sampling of the client experiences. These rankings or ratings are not indicative of any future performance or investment outcome.
Footnote 14 Merrill Edge Select® Funds meet a proprietary screening process developed by the Chief Investment Office (CIO) of Merrill. The listing contains no-load funds with no transaction fees and load-waived funds that are open for new and subsequent purchases. Available funds have a minimum initial investment of no more than $3,000. Each fund must have $100 million or greater ($500 million for Large Cap funds) in assets under management across all share classes offered by the fund. Note that index funds are not included in Merrill Edge Select® Funds. Learn more about the Merrill Edge Select® Funds methodology.

BofA Merrill Lynch Global Research is research produced by BofAML Securities, Inc. ("BofAMLS") and/or one or more of its affiliates.

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