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Prioritize your goals, choose your investments, track your progress and reassess periodically.
Wherever you are in the investing cycle, we can help you make more informed investment decisions.

Open the right accounts

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Understand specific advantages to various retirement, investing, and savings accounts
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You can make online and phone transfers by linking most Merrill accounts with an eligible bank account, including a Bank of America account.
Some accounts offer certain tax advantages2 related to specific investing goals, like retirement and education; others accounts are better suited if you need to keep your funds liquid for easier access. Consider these options:

Retirement accounts

  • Roth IRA: Contributions are made on an after-tax basis—in other words, with money that has been taxed already. Future withdrawals on contributions and earnings are generally federal income tax-free if you meet certain criteria.3

  • Traditional IRA: Your investments have the potential to grow tax-deferred, which means that you don't pay taxes until you take a distribution. Contributions also may be tax deductible.

  • Small business 401(k) plan, SEP IRA & SIMPLE IRA: Evaluate the retirement account options for your business.

Try the IRA Selector to see which IRA may be right for you.

College planning

Investing & savings

More ways to invest

  • Merrill Guided Investing: an online investment advisory program that combines the best of online investing with a professionally managed portfolio — all at a low costFootnote 1

  • Invest with an advisor: who can help you pursue your financial goals and plan for what matters most to you.

The help you need is right here

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Looking for a different approach to investing?
An investment advisory program that combines the best features of online investing with a professionally managed portfolio.Footnote 1
Footnote 1 Please review the applicable Merrill Guided Investing Program Brochure at www.merrilledge.com/guided-investing-program-brochure or Merrill Guided Investing with Advisor Program Brochure at www.ml.com/guided-investing-program-brochure 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 fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. 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 & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.

Footnote 2 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

Footnote 3 There is a single, 5-year holding period when determining whether earnings can be withdrawn as part of a qualified distribution free of federal (and, in most cases, state) income tax from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.

Footnote 4 Any earnings withdrawn that are not used for such expenses are subject to federal income tax and may be subject to a 10% additional federal tax as well as state and local income taxes.

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

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