1 Asset allocation does not ensure a profit or protect against loss in declining markets.
Variable annuities are sold by prospectus only. A Merrill Edge Financial Solutions Advisor™ can provide you with more information, including a current prospectus. The current contract prospectus and underlying fund prospectuses contain more complete details on the investment objectives, risks, fees, charges and expenses, as well as other information about the contract and the underlying portfolios which should be carefully considered. Please read the prospectuses carefully before investing. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
You have choices for what to do with your employer sponsored retirement plan. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth, roll over to an employer sponsored plan from a prior employer to an employer sponsored plan at 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 and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. Please contact a Merrill Edge rollover specialist at 888.637.3343 for additional information about your choices.
This information was prepared to support the promotion and marketing of insurance and/or annuity products.
All annuity contract or rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor does Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Variable annuities are long-term investments designed to help meet retirement needs. A variable annuity is a contractual agreement where a client makes payments to an insurance company, which, in turn, agrees to pay out an income stream or a lump sum amount at a later date. Variable annuities typically offer (1) tax-deferred treatment of earnings; (2) a death benefit; and (3) annuity payout options that can provide guaranteed income for life. Variable annuity contract values will fluctuate and are subject to market risk including the possible loss of principal. There are contract limitations, fees and charges associated with variable annuities which include, but are not limited to mortality and expense risk charges, sales and surrender charges, administrative fees, charges for optional benefits as well as charges for the underlying investment options. Early withdrawals may be subject to surrender charges and taxed as ordinary income, and in addition, if taken prior to age 59½, an additional 10% federal tax may apply. Withdrawals reduce annuity contract benefit, values and optional guarantees in any amount that may be more than the actual withdrawal. Past performance should not be a representation of future performance.
Merrill Edge and its Financial Solutions Advisors do not provide tax, accounting or legal advice. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.