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Invest with an Advisor

Get one-on-one guidance from an advisor

Connect with a Merrill advisor to discuss your financial needs and get help putting your plan into action.

Did you know?

You can meet with a Merrill advisor regardless of how much money you have to invest. They'll help you find the right option for you, whether you're looking for an affordable solution with no minimum investment or a customized solution for more complex needs.

What happens when I make an appointment with an advisor?

Three item list: List item 1 of 3
To get started, call now to speak with an advisor. You can also schedule a phone call or an in-person meeting.
List item 2 of 3
An advisor will get to know you and your investing goals, and they'll provide you with a free, customized financial plan.
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Review your financial plan, make changes if you need to and start pursuing your investing goals.

Explore the benefits of speaking one‑on‑one with an advisor

  • Get a free, personalized plan to help you work toward your investing goals
  • Learn about the different ways of investing at Merrill and get help deciding which one is best for you
  • If you choose to invest with an advisor long term, connect with them anytime and make changes to your plan as needed

Get rewarded with Bank of America 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 1
$20K to <$50K
3-month combined average daily balance
$50K to <$100K
3-month combined average daily balance
Platinum Honors
$100K to <$1MM
3-month combined average daily balance
$1MM to <$10MM
3-month combined average daily balance

Other ways to Invest with Merrill

Merrill Guided Investing

Combine the best features of online investing and a professionally managed portfolio with an affordable investment advisory program.Footnote 2
Learn more about Guided investing

Merrill Edge Self‑Directed

Manage your own portfolio with a personalized investing experience that gives you access to powerful tools and helpful insights.
Learn more about Self-Directed investing

Have more complex wealth management needs?

Invest with a Merrill Lynch Wealth Management Advisor to help you grow, preserve and manage your wealth.

Ready to get started?

Schedule an appointment with Merrill
Call an advisor at 888.866.2190

Frequently Asked Questions

To enroll in the Bank of America Preferred Rewards program, you must have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers in your combined qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:

  1. a three-month combined average daily balance in your qualifying deposit and investment accounts
  2. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.
You must have a qualifying balance of at least $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Bank of America Private Bank clients qualify to enroll in the Diamond tier, and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill, and Private Bank balances. Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on employee qualification requirements, please visit the Employee Financial Services intranet site.

Employees of companies participating in the Bank of America Employee Banking and Investing Program maintain eligibility based upon customized terms. Refer to CEBI Program for details.
Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including the program fee, 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.
You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit our rollover page or call Merrill at 888.637.3343.
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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, 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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