Life Stage Planning

Where are you on your investment journey?

You can find the funds to start investing: Take charge of your personal finances and practice solid savings habits.

Start with the basics

1.

Build a budget and get a handle on debt
2.

Be prepared for emergencies
3.

Save and invest for retirement:
Start now, even if you start small
4.

Balance long- and short-term goals
We can also help you prepare financially for life events like getting married or having a baby.

Building wealth

Take advantage of your peak earning years: Look for ways to help maximize investment returns and reduce your taxes.

Balance your goals

1.

Who gets paid first? Prioritize your savings
2.

Make the most of tax advantages
3.

Monitor your portfolio
4.

Insure your health, life & belongings
5.

Wills, advance directives and more:
Document your wishes
We can also help you prepare financially for life events like selling a home or changing jobs.

Nearing retirement

It’s a sprint to the retirement finish line. Assess where you stand today and make the most of the time left to invest.

Maximize your savings

1.

Sharpen your focus on retirement
2.

Revisit your asset allocation
3.

Plan now for the cost of health care
4.

Develop a Social Security & retirement date strategy
5.

Revisit your estate plan
We can also help you financially prepare for life events like downsizing or living with disability.

In retirement

Get potential solutions designed to help you stretch your funds and live comfortably throughout your retirement years.

Make your assets last

1.

Follow a retirement income strategy
2.

Create a retirement budget
3.

Plan for & manage healthcare costs
4.

Leave a legacy
We can also help you financially prepare for life events such as passing on assets to beneficiaries or caring for an ailing spouse.

Ready to get started?

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888.637.3343

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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.

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

This material should be regarded as general information on Healthcare and Social Security considerations and is not intended to provide specific healthcare or social security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor.

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Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales 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. To learn more about Merrill pricing, visit our Pricing page.

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Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge^® Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice.

Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

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

The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.

Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.

Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.

Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.

Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.

Expense Ratio – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary (PDF).

Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

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, a registered investment adviser, Member Securities Investor Protection (SIPC) popup and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp").

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").

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