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Tax Planning

Guidance & Retirement > Tax Planning
Plan ahead for the impact of taxes on your investments

Tax-efficient accounts and investing strategies to help make you a smarter tax planner

Cost Basis FAQs

Learn about cost basis and how it may affect your taxes.

Preparing for tax time

Tax-efficient investing

Be sure to plan for tax implications when making your investment decisions
Tax rules and rates may change, but it's always a good idea to keep taxes in mind when making investment decisions.

Retirement investments and taxes

Know the tax-advantages associated with various retirement accounts
Understanding tax-advantaged investment strategies for retirement—and when to withdraw your funds—may help you build your investments and lower your tax bill.

Tax-savvy college savings plans

Learn about the potential tax benefits of a 529 college plan
Discover how 529 college plans may help you save money for higher education expenses and potentially benefit from tax advantages.1

Estate planning and inheritances

Discover how taxes may impact your estate planning strategy
An estate plan may help you minimize gift and estate taxes and preserve more of your assets for those you care about.
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2019 tax year: Important dates2
Jan. 29 –
Feb. 28, 2020
1099 forms mailed
April 15, 2020
Tax filing deadline
April 15, 2020
Retirement contribution deadline
Oct. 15, 2020
Filing deadline if you received an extension
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.
1 To be eligible for favorable tax treatment afforded to any earnings portion of withdrawals from Section 529 accounts, such withdrawals must be used for "qualified higher education expenses," as defined in the Internal Revenue Code. Any earnings withdrawn that are not used for such expenses are subject to federal income tax and may be subject to a 10% additional federal tax as well as state and local income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.

2 Dates may vary. Check with your tax advisor or the IRS.