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Rollover IRA

Explore rolling over your retirement assets at MerrillFootnote 1

Consider all your choices and learn if a rollover is right for you

Consolidate your assets plus access tools and investment choices available at Merrill by rolling over your retirement account.

Features of a Rollover

Enjoy potential tax-deferred growth

See all your accounts through a single login

Make contributions to your IRA if eligible

Access investment choices available at Merrill

Question:
Can I roll over or consolidate an existing IRA?
 
Answer:
Yes, an indirect rollover occurs when you withdraw assets from an IRA and then roll those assets into the same or another IRA within 60 days.Footnote 2

You have choices when it comes to your old employer-sponsored plan

Each option comes with its own pros and cons. Find out all the details, evaluate your choices and decide which one best fits your retirement goals.
Select to Learn more about your choices

Your Choices:

  • Roll over to a traditional IRA
  • Roll over to a Roth IRA
  • Take a lump-sum distributionFootnote 3
  • Leave the assets in your former plan
  • Move to a new employer's plan
  • Use any combination of the above

Best in Class for 'IRA Accounts'

Merrill Edge Self-Directed received a Best in Class award for "IRA Accounts" from StockBrokers.com
Footnote 
Merrill Edge Self-Directed was evaluated as one of 15 online brokers in StockBrokers.com 2022 Online Broker Review published on January 11, 2022. StockBrokers.com evaluated brokers using 205 variables across 9 categories: Customer Service, Commissions & Fees, Research, Platforms & Tools, Mobile Trading Apps, Offering of Investments, Education, Ease of Use, and Overall. The Best In Class rating recognizes brokers that ranked in the top 5 in that category. Learn more at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

Which IRA is right for you?

Whether you're an employee, a self-employed person or a small business owner, our IRA selector tool can help you find the right type of IRA account for your needs.

Decide how you want to manage your IRA account

Make your own investments or have Merrill investment professionals invest and rebalance your portfolio for you, with the option to work with an advisor.

Discover IRA accounts available at Merrill

Learn more about the different IRA accounts at Merrill and find the one that works best for your rollover.
Merrill offers transparent pricing for trades, account services and investment advisory programs.
Select to Learn more about pricing at Merrill

Frequently Asked Questions

Other fees may apply. 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 Merrill pricing, visit our Pricing page.
Footnote 
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 (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit our rollover page or call Merrill at 888.637.3343.
Footnote 2 Did you know that there are two ways to move assets from one IRA to another? The most common is a transfer. This is when you transfer assets from an IRA held at one financial institution to an IRA at another. You may directly transfer assets between investment firms as frequently as you wish. The second, less common approach is called An indirect rollover. Rollovers occur when you withdraw assets from an IRA and then "roll" those assets back into the same IRA or into another one within 60 days. IRS rules limit you to one rollover per client per twelve month period. For more information on rolling over your IRA, 401(k), 403(b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343.

Footnote 3 Taxes will reduce the amount you receive.

Footnote 
Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge® Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice.
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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, 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.

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Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:
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