Retirement Planning

Start saving for retirement

Starting Out

Start saving
for retirement

Increase retirement savings

Building Wealth


Nearing retirement

Nearing Retirement

& fine-tune
your plan

Generate retirement income

In Retirement


Opening an IRA

Thinking about contributing to an IRA? Learn about your choices to see which IRA may be right for you:
Pre-tax contributions mean your savings can grow tax-deferred (you don't pay taxes until you take a distribution). Contributions may also be tax deductible.
You make contributions on an after-tax basis; future withdrawals on contributions and earnings are generally federal income tax-free if you meet certain criteria.1
401(k) plan—learn about workplace retirement plans for small businesses and sole proprietors.

Rollover & transfer IRAs

Want to move your retirement plan to Merrill Edge®?
Consolidating your retirement assets into one easy-to-manage account is simple with a Rollover IRA. Consider all of your choices and learn if a Rollover IRA may be right for you.2
When you transfer your IRA to Merrill Edge, it's easier to track your retirement savings progress and make more informed investment decisions.

Guaranteed income

Annuities can help you replace your paycheck in retirement with a guaranteed income stream.3

Our Perspectives

Get insights from Merrill Lynch to help you plan and invest for retirement.

See Our Perspectives

Planning for life's priorities

We'll help you plan for life events related to family, home, health and other priorities in your life.

See Life Events

Ready to get started?
Call 24 hours a day, 7 days a week
Helpful tools & resources
Learn about IRAs
Helpful tools & resources
Learn which IRA might be right for you
Helpful tools & resources
One easy-to-manage account where you can consolidate former employer plans or any other IRAs2
Helpful tools & resources
Learn how you may be able to generate tax-free retirement income1
How much will you need to retire?
Helpful tools & resources
Get your personal retirement number with our easy-to-use retirement calculator
Helpful tools & resources
Insights to help you figure out how much you may need.
See how much you're required to withdraw
Helpful tools & resources
Estimate your traditional IRA distributions
Ready to get started?
Call us if you have any questions
Call 24 hours a day, 7 days a week
Work one-on-one with an advisor
One-on-one advice and guidance
Work one-on-one with a licensed
Merrill Edge Financial Solutions Advisor™
Learn how to qualify for up to 600 dollars
Get up to $600 when you enroll, open and fund a new Merrill Edge investment account or IRA.
1 Please note, however, that income-based restrictions are still in place regarding how much you an contribute to a Roth IRA.

2 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 or call a Merrill Edge rollover specialist at 1.888.637.3343 for additional information about your choices.

3 All annuity contract and rider guarantees, or annuity payout rates, are backed by the claims paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

Merrill Edge and its Financial Solutions Advisors do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

A direct rollover occurs when you request that a rollover check be made payable directly to the new custodian for the benefit of your individual retirement account (IRA) or employer-sponsored retirement plan. A direct rollover is not subject to current tax or penalties.

An indirect rollover occurs when you request that a rollover check be made payable to you, after which you deposit the money into your IRA or another employer's retirement plan within 60 days. When such a distribution is made by the plan, the plan is required by law to withhold 20% of the taxable amount for prepayment of federal income taxes. If you wish to rollover the entire distribution, you must make up the 20% withholding out of your own funds, or you will be subject to income taxes and possibly early withdrawal penalties on the shortfall. If you fail to complete the rollover within 60 days, all or part of the money distributed to you will be taxable and a 10% additional tax for early withdrawals may apply.