IRA: Traditional, Roth, Rollover

Merrill Edge® offers the accounts that fit your retirement

Plus, get up to $600 when you open and fund a new retirement account.Footnote 1
Open a Merrill Edge® retirement account in just minutes
Use offer code 600ME

Merrill Edge offers a variety of choices and tools to find a retirement account:

Roll over your 401(k)
Understand your choices when it comes to your old 401(k). Merrill Edge can help you find what best fits your needs: rolling it over to an IRA, maintaining it in a 401(k) with a new or former employer or cashing out.Footnote 2
Roth IRA
Get greater withdrawal flexibility in retirement and the potential to earn federally tax-free income.
Traditional IRA
Enjoy tax-deferred growth potential with the possibility to reduce your current taxes.
Personal Retirement Calculator
How much will you need to retire? Get your personal retirement number with our easy‑to‑use calculator.
Merrill Edge® Guided InvestingFootnote 3
Introducing a new way to pursue your investing goals online with a low‑cost portfolio managed by Merrill Lynch investment professionals.
4 bonus levels
Cash reward
Qualifying assets
$100
$20,000
$150
$50,000
$250
$100,000
$600
$200,000+
3 ways to enroll
  • Click "Get started" on this page to open your account.
  • Call 1.888.MER.EDGE (888.637.3343).
  • Ask a Merrill Edge Financial Solutions Advisor™ for the offer at select Bank of America financial centers.
2 qualifications
  • Make a qualifying deposit to your new account within 45 days.
  • Maintain your qualifying deposit for at least 90 days.
You'll receive your cash bonus within 2 weeks after the 90-day qualifying period.
4 bonus levels
Cash reward
Qualifying assets
$100
$20,000
$150
$50,000
$250
$100,000
$600
$200,000+
3 ways to enroll
  • Click "Get started" on this page to open your account.
  • Call 1.888.MER.EDGE (888.637.3343).
  • Ask a Merrill Edge Financial Solutions Advisor™ for the offer at select Bank of America financial centers.
2 qualifications
  • Make a qualifying deposit to your new account within 45 days.
  • Maintain your qualifying deposit for at least 90 days.
You'll receive your cash bonus within 2 weeks after the 90-day qualifying period.
Footnote 
Offer valid for new individual Merrill Edge IRAs or Cash Management Accounts (CMAs). Offer is limited to one CMA and one IRA, with no more than two enrolled accounts per accountholder. Eligible Merrill Edge IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP only. The Merrill Edge IRA or CMA may be a Merrill Edge Online Investing and Trading account, Merrill Edge Advisory Account or Merrill Edge Guided Investing account.

Offer Limitations: This offer does not apply to business/corporate accounts, investment club accounts, partnership accounts and certain fiduciary accounts held with Merrill Edge, or to any types of accounts (including IRAs or CMAs) held with other business units of Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). Merrill Edge reserves the right to change or cancel this offer at any time, without notice. This offer may not be used as an inducement to sell any kind of insurance, including annuities.

How it Works:

  1. You must enroll during account opening by entering the offer code in the online application or by providing it when speaking with a Merrill Edge Financial Solutions Advisor™ at 888.MER.EDGE (888.637.3343) or at select Bank of America financial centers. You are solely responsible for enrolling or asking to be enrolled in the offer.
  2. Fund your account with at least $20,000 in qualifying net new assets within 45 days of account opening. Assets transferred from other accounts at Bank of America, MLPF&S, U.S. Trust, or 401(k) accounts administered by MLPF&S do not count towards qualifying net new assets.
  3. After 90 days of meeting the funding criteria described in Step 2, your cash reward will be determined by the qualifying net new assets in your account (irrespective of any losses or gains due to trading or market volatility) as follows:
    Qualifying Net New Asset Balance Cash Reward
    Less than $20,000 $0
    $20,000 to $49,999 $100
    $50,000 to $99,999 $150
    $100,000 to $199,999 $250
    $200,000 or more $600
  4. Your one-time cash reward will be deposited into your Merrill Edge IRA or CMA within two weeks following the end of the 90 day period. If your account is enrolled in an investment advisory program, such as Merrill Edge Advisory Account or Merrill Edge Guided Investing, any cash reward deposited into your account will be subject to the program fee and other terms of the investment advisory program.
Tax Disclaimer: The value of the reward you receive may constitute taxable income. Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the reward. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice.

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 http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge® rollover specialist at 888.637.3343 for more information about your choices.
Footnote 2 You have choices for what to do with your 401(k) or other type of plan-sponsored 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 a 401(k) from a prior employer to a 401(k) 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. Visit merrilledge.com/rollover or call a Merrill Edge rollover specialist at 888.637.3343 for additional information about your choices.

Footnote 3 Please review the Merrill Edge Guided Investing Program Brochure at merrilledge.com/guided-investing-program-brochure for important 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. This program is not offered through an advisor. MLPF&S and Managed Account Advisors LLC (MAA) are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. Merrill Edge investment advisory programs are offered by MLPF&S.

Global Wealth & Investment Management Chief Investment Office (CIO) develops the investment strategies for Merrill Edge Guided Investing, including providing its recommendations of ETFs and related asset allocations. Managed Account Advisors LLC (MAA), Merrill Lynch's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Edge Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs 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).

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Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.

Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.

Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

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:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value


MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC)Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

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