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MERRILL GUIDED INVESTING

Investing on your terms

We offer online investing, professionally managed portfolios and the option to work one-on-one with an advisor.
Get started

Keep your goals on track

Professionally managed portfolios

Investment portfolios are monitored and rebalanced by a team of Merrill investment professionals.

Investment strategies aligned to your goals

Tell us about yourself and your goals and receive a recommended investment strategy.

Personalized dashboards

Update your portfolio and add new goals whenever you like, so your investments can change with your needs.

Investing and banking connected

View and manage your Bank of America bank accounts and Merrill investment accounts with just one login. Plus, Preferred Rewards members get preferred pricing.Footnote 1

Our guidance. Your choice.

With Merrill, you determine the level of guidance we provide. Depending on your comfort level, you may choose to invest solely online, or you may want the added advice of an advisor. Use the chart to help you decide.
Online
You are comfortable using online tools and are looking for an investment strategy aligned to your goal
Online with an advisor
You'd like a hand defining your goal and one-on-one help to pursue it.
Minimum investment
$5,000
$20,000
Straightforward pricing
0.45% annual feeFootnote 2
$7.50/month for a $20k account
0.85% annual feeFootnote 2
$14.17/month for a $20k account
ETF and mutual fund strategies
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Professionally managed portfoliosFootnote 3
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Online dashboard
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Bank of America banking and Merrill investing connected
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Help establishing goals
 
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One-on-one advice
 
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Periodic reviews with an advisor
 
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Members get more

As a Preferred Rewards member, get preferred pricing with a Merrill Guided Investing account.Footnote 3

Gold

$20k to <$50k three-month
average combined balance
0.05%
Fee discount*

Platinum

$50k to <$100k three-month
average combined balance
0.10%
Fee discount*

Platinum Honors

$100k+ three-month
average combined balance
0.15%
Fee discount*
Members with a $20,000 balance can save between $10 to $30 per year on the annual account fee.

Guided and good to go

Our step-by-step process makes it easy to get started.
1
Tell us about yourself and your investing goal.
2
Review your recommended investment strategy.
3
Open and fund your account online.
Get started
or call 855.488.5245

There's more than one way to invest

Merrill Edge® Self‑Directed

A self-directed investing platform that streamlines investing, giving you access to research and insights, step-by-step guidance and flexible tools—all with low flat-rate pricing.

Merrill Lynch Wealth Management

Work one-on-one with your dedicated advisor who will help you build a comprehensive financial strategy and give you proactive recommendations to help grow and preserve your wealth.
Footnote 
Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, Bank of America Advantage SafeBalance Banking™, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen.
Footnote 
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 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 advisors. Investment advisor registration does not imply a certain level of skill or training.
Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45% and 0.85%, respectively, based on the assets held in the account. 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 merrilledge.com/pricing.

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).

Footnote 3 You are eligible to enroll in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking account 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. Bank of America Advantage SafeBalance Banking accounts count towards the checking account and balance requirements, and receive benefits. Bank of America Advantage SafeBalance Banking™ accounts do not count toward the account or balance requirements, and do not receive the fee waivers and other benefits of the program. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements.

* 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 merrilledge.com/pricing.

Preferred Rewards for Wealth Management clients (formerly known as Banking Rewards for Wealth Management), other than Bank of America Private Bank clients, do not receive the Merrill Guided Investing fee discount.

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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.
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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