1 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. Visit http://www.merrilledge.com/retirement/rollover-ira or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.
2 There is a single, 5 year holding period when determining whether earnings can be withdrawn federally tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account.
3 With inherited IRAs, beneficiaries must begin taking distributions within certain periods specified by the IRS.
4Retirement accounts opened through Bank of America, N.A., including Roth and Traditional IRAs, are insured by the FDIC up to $250,000 per depositor. These accounts are insured separately from other deposits you may have with Bank of America, N.A.
5 (2014) Merrill Edge was evaluated against 20 others in the 2014 Barron's Online-Broker review, March 15, 2014. Learn more at http://webreprints.djreprints.com/48305.html. Barron's is a trademark of Dow Jones & Co., L.P. All rights reserved. Reprinted with permission of Barron's.
6 For J.D. Power 2011, 2012 and 2013 Call Center Certification ProgramSM information, visit jdpower.com and merrilledge.com/JDP.
7 Institutional Investor magazine announced BofA Merrill Lynch Global Research as the Top Global Research Firm for 2011, 2012 and 2013, based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. For more information about this award, go to www.institutionalinvestor.com/TopGlobalResearch2013.
8 Merrill Edge was evaluated against 17 others in StockBrokers.com 2014 Online Broker Review, February 18, 2014. Learn more at www.stockbrokers.com/2014-online-broker-review.html.
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