Life Events: Changing Jobs

Life happens. Will you be ready?

Throughout your investing life, you're going to experience life events — some planned, some not — that will affect your finances.
We're here to help you prepare for those critical times of financial change.

Work

Your first job

Changing jobs

Starting a business

Job loss

Working in retirement

Family and relationships

Homes, cars and other
large purchases

Health and aging

Changing jobs

A job transition means considering how you'll handle employer-sponsored benefits like retirement accounts, along with insurance and other perks.

Keep in mind:

Avoid a lapse in health insurance coverage

Check the details of your flexible spending account (FSA) with your current employer

Manage your retirement accounts and employer-sponsored life and disability coverage

See the changing jobs checklist

Retirement and health savings accounts

Merrill Edge forms

Direct Rollover Request form (PDF)

Preferred Rewards

Enjoy real benefits and rewards on your Merrill Edge^® investing and Bank of America^® banking accounts. And as your balances grow, so do your benefits.

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Using a rollover IRA to
consolidate multiple
retirement accounts
Read the article

Changing jobs? Don't forget your retirement savings!

Understanding your choices is essential when choosing what to do with your old retirement account.

Read the article on changing jobs

401(k) Rollover Calculator

See the potential effect of different 401(k) rollover choices on your current and future retirement assets.¹

Try the 401k rollover calculator

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¹ 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, and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit merrilledge.com/retirement/rollover-ira or call a Merrill Edge^® rollover specialist at 888.637.3343 for more information about your choices.

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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.

The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.

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Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.

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Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.

Expense Ratio – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.

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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").

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Life Events: Changing Jobs

Changing jobs

Retirement and health savings accounts

Merrill Edge forms

Preferred Rewards

Using a rollover IRA to consolidate multiple retirement accounts Read the article

Changing jobs? Don't forget your retirement savings!

401(k) Rollover Calculator

I'd Like to

Discover Merrill

Contact Us

Unlimited $0 Trades

Using a rollover IRA to
consolidate multiple
retirement accounts
Read the article