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Merrill Guided Investing™

While you manage life, we manage investing

Merrill Guided Investing™ is an Investment Advisory Program

A professionally managed portfolio at a low cost

You'll get a portfolio that's built, monitored and rebalanced by Merrill professionalsFootnote 1 all at a cost that may surprise you.

Your goals, our strategies

Tell us about yourself and your goals, and get investment strategies aligned to your needs, with the flexibility to evolve as your life changes.Footnote 2

Keep your goals on track

Your personalized dashboard allows you to monitor your portfolio's performance, make updates and add new goals whenever you like.
An Investment Advisory Program

Merrill Guided Investing™

Set your investing goals online or talk with an advisor and set goals together. Either way, you'll have 24/7 access to Merrill's award-winningFootnote 3 service and online tools.

Online with an advisor

You'd like a hand defining your goal and one-on-one help to pursue it

Online

You are comfortable using online tools and are looking for an investment strategy aligned to your goal
Minimum investment
Online with an advisor $20,000
Online $5,000
Straightforward pricing
Online with an advisor
Annual Program Fee 0.85%Footnote 4
For example, pay just $14.17/month for a $20k account
Other fees may applyFootnote *
Online
Annual Program Fee 0.45%Footnote 5
For example, pay just $7.50/month for a $20k account
Other fees may applyFootnote *
ETF and mutual fund strategies
Online with an advisor
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Online
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Professionally managed portfoliosFootnote 1
Online with an advisor
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Online
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Online dashboard
Online with an advisor
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Online
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Bank of America banking and Merrill investing connected
Online with an advisor
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Online
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Establish goals online
Online with an advisor
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Online
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Advisor helps you establish goals
Online with an advisor
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Online unchecked
 
One-on-one advice
Online with an advisor
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Online unchecked
 
Periodic reviews with an advisor
Online with an advisor
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Online unchecked
 
Get more information on how Merrill Guided Investing combines the power of technology and human insight and investment expertise.

Gold

0.05% Program Fee Discount

Platinum

0.10% Program Fee Discount

Platinum Honors

0.15% Program Fee Discount

Get even more with Preferred Rewards

Investment balances can help you earn Preferred Rewards benefits and pricing discounts. Members enjoy program benefits including credit card rewards bonuses, discounts on home and auto loans, monthly account maintenance fee waivers and more.Footnote 6

Socially-responsible portfolios

Make an impact on your world with the option to invest in sustainable portfoliosFootnote 7 aligned to your personal values.

Industry-leading service

Like all Merrill Clients, you'll get industry-leading service and guidance along the way from licensed Merrill professionals — available online, by phone and at a Bank of America financial center near you.

“An outstanding customer service experience”

J. D. Power
J.D. Power Certified Customer Service Phone support.Footnote 3
2019, 2018, 2017, 2016, 2015, 2014, 2013, 2012, 2011

Investing and Banking Connected

Your Merrill investment and Bank of America® bank accounts are accessible together through a seamless experience with a single login.

Our step-by-step process makes it easy to get started

1

Goal

Tell us about yourself and your investing goal
2

Review

Review your recommended investment strategy
3

Open

Open and fund your account online or with an advisor

Call an advisor now

Set up a meeting

Other ways to invest with Merrill

Merrill Edge® Self‑Directed

A personalized investing experience that gives you helpful guidance, insights and tools to confidently put your investing ideas into action.
Learn more about Self-Directed investing

Invest with an Advisor

Personal guidance from a Financial Solutions Advisor when you need it by phone, online or at a convenient location near you.
Learn more about investing with an advisor

Have more complex wealth management needs?

Invest with a Merrill Lynch Wealth Management advisor to help you grow, preserve and manage your wealth.Footnote 8
Footnote asterisk 
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 asterisk 
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 advisers. Investment advisor registration does not imply a certain level of skill or training.
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.
Footnote 
Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.
Footnote 
J.D. Power 2019 Certified Customer Service 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. Rankings and recognition from J.D. Power 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. Participation in this survey was paid for by Merrill.
Footnote 4 There is an annual program fee of 0.85% based on the assets held in the account. This fee is charged monthly in advance.

Footnote 5 There is an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance.

Footnote 6 You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking or Bank of America Advantage Banking account and maintain a three month average combined balance in your qualifying Bank of America deposit accounts and/or your qualifying Merrill investment accounts of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, or $100,000 for the Platinum Honors tier. The combined balance is calculated based on your average daily balance for a three calendar month period. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. Your benefits become effective within one month of your enrollment, or for new accounts within one month of account opening, unless we indicate otherwise.

Footnote 
Clients enrolled in Preferred Rewards receive a discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with an advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards-enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors tier based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. Bank of America Private Bank clients will also receive a discount of 0.15% off of the annual rate. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. 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. 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 
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 
Merrill is the marketing name for Merrill Lynch Wealth Management, Merrill Edge®, and Merrill Private Wealth Management, all of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill is available through MLPF&S, and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

Merrill makes available products and services offered by MLPF&S and other subsidiaries of Bank of America Corporation ("BofA Corp").
Footnote 
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.

Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC, and wholly owned subsidiaries 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'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, a wholly owned subsidiary of BofA Corp.
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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.
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.

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 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").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of 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.

Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity


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