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When questions find you, Merrill Guided Investing helps you find answers.

Pursue your goals with a professionally managed portfolio and the option to work with an advisor—all at a low cost.

While you manage life, we're here to manage investing

Your goals, our guidance

Stay focused on your goals knowing that Merrill portfolio managers are monitoring and rebalancing your portfolio for you.Footnote 1
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When your needs change, so can your portfolio

If your goal changes, just let us know and we'll make sure that you're investing in a portfolio that works for you.
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Low minimums, low cost

It's easy to get started with a low minimum investment and the option to work with an advisor.
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Investing & banking connected

View and instantly transfer funds between your Merrill investment accounts and Bank of America bank accounts.Footnote 2
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What kind of guidance works best for you?

Compare your options with Merrill Guided Investing.

Online with an advisor

One-on-one help to define and pursue your goal

Online

Tools and 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 3
For example, pay just $14.17/month for a $20k account
Qualify for discounted pricing with Preferred Rewards.
Other fees may applyFootnote 3
Online
Annual Program Fee 0.45%Footnote 3
For example, pay just $7.50/month for a $20k account
Qualify for discounted pricing with Preferred Rewards.
Other fees may applyFootnote 3
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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One-on-one advice
Online with an advisor
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Periodic reviews with an advisor
Online with an advisor
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Lower fees and more with Bank of America Preferred RewardsFootnote 4

Your Merrill investment and Bank of America banking balances can help you earn Merrill Guided Investing fee discounts. See if you're eligible.
How is your monthly fee determined?
It depends on two factors, your Preferred Rewards tier and your balance at the end of the month. For this example, let's say you have a balance of $20,000.
Bank of America® Preferred Rewards

Platinum Honors Preferred Rewards

$100k+ three‑month average combined balance

Platinum Preferred Rewards

$50k to <$100k three‑month average combined balance

Gold Preferred Rewards

$20k to <$50k three‑month average combined balance

Non Preferred Rewards

Merrill Guided Investing Balance
Platinum Honors Merrill Guided Investing Balance
$20K
Platinum Merrill Guided Investing Balance
$20K
Gold Merrill Guided Investing Balance
$20K
Non Preferred Rewards  Merrill Guided Investing Balance
$20K
With an advisor
0.85% annual program feeFootnote 3
Platinum Honors With an advisor 0.85% annual program feeFootnote 3
Monthly program fee
$11.67
Discount rate of 0.15%
Platinum With an advisor 0.85% annual program feeFootnote 3
Monthly program fee
$12.50
Discount rate of 0.10%
Gold With an advisor 0.85% annual program feeFootnote 3
Monthly program fee
$13.33
Discount rate of 0.05%
Non Preferred Rewards With an advisor 0.85% annual program feeFootnote 3
Monthly program fee
$14.17
Without an advisor
0.45% annual program feeFootnote 3
Platinum Honors
Without an advisor
0.45% annual program feeFootnote 3
Monthly program fee
$5.00
Discount rate of 0.15%
Platinum
Without an advisor
0.45% annual program feeFootnote 3
Monthly program fee
$5.83
Discount rate of 0.10%
Gold
Without an advisor
0.45% annual program feeFootnote 3
Monthly program fee
$6.67
Discount rate of 0.05%
Non Preferred Rewards
Without an advisor
0.45% annual program feeFootnote 3
Monthly program fee
$7.50
 
If you have questions, call us at 1.888.637.3343.

Looking to make your own investment decisions?

Merrill Edge® Self-Directed offers personalized planning tools and investing ideas, plus unlimited $0 stock, ETF and option trades with no trade or balance minimums. Footnote *Options contract and other fees may apply.
Footnote 
The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing, 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 
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 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.
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 our Pricing page.

Footnote 4 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.

Footnote asterisk 
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.
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.

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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