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Rollover IRA

Explore rolling over your assets at Merrill

Consolidate your assets plus access Merrill tools and investment choices

Features of a Rollover

Item 1 of 4: Enjoy potential tax-deferred growth
Item 2 of 4: See all your accounts through a single login
Item 3 of 4: Make contributions to your IRA if eligible
Item 4 of 4: Access investment choices available at Merrill
Q&A

What is a retirement rollover?

A retirement rollover is the transfer of funds from one retirement account (like a 401(k)) to another, usually an IRA or a new employer's plan. This is typically done when changing jobs, retiring, or simply consolidating retirement accounts.

Can I make rollovers between or consolidate existing IRAs?

Yes, a rollover occurs when you withdraw or direct transfer assets from existing IRAs or retirement plans and consolidate those assets into the same or another IRA within 60 days.Footnote 1

Your Choices

Have an old employer-sponsored plan?

Find out all the details, evaluate your choices and decide which one best fits your retirement goals.Footnote 2
  • Rollover to a traditional or Roth IRA
  • Take a lump-sum distribution
  • Leave the assets in your former plan or rollover to a new employer's plan
  • Use any combination of the above
Learn more about your choices at MerrillFootnote 3
"Merrill Edge Self-Directed was awarded No. 1 Overall Client Experience" Footnote 4 StockBrokers.com 2024 Annual Broker Review Evaluated as one of 17 online brokers in StockBrokers.com 2024 Online Broker Review published on January 23, 2024 "Merrill Guided Investing received an Overall Rating of 4.5 out of 5 stars" Investopedia's Best Robo-Advisors 2024 Footnote 5 Published February 29, 2024. Rankings based on data as of January 8, 2024 - February 9, 2024 "BofA Global Research was named one of the Top Global Research Firms by Institutional Investor" Footnote 6

Retirement Account Selector

Which retirement account is right for you?

Compare the features of retirement accounts available at Merrill, find out which ones you're eligible for and learn about details like contribution limits and potential tax advantages.

It's easy to roll over your assets to a Merrill IRA

Step  1  of 3

Open a Merrill IRA

It takes just a few minutes to get started once you've decided which type of IRA you're opening.
Step  2  of 3

Transfer Your Ira Assets

If your account is open, use our online transfer tool. Otherwise, call us at 888.637.3343 to get started.
Step  3  of 3

Start Investing

Make your first investments and create the portfolio that works for your retirement 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.
Learn more about pricing at Merrill

Ready to get started?

Or call us at 855.488.5245

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 1 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 Should I rollover my 401k page or call a Merrill rollover specialist at 888.637.3343.

Footnote 2 These options are available if you terminate employment and have a balance in your former employer's qualified retirement plan. Options to leave funds in plan or roll over to your new employer's plan may not be available in certain circumstances.

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 Should I rollover my 401k page or call Merrill at 888.637.3343.
Footnote 
Merrill Edge Self-Directed was awarded No. 1 Overall Client Experience and received an overall rating of 4.5 out of 5 stars from StockBrokers.com. Evaluated as one of 17 online brokers in Go to third-party website StockBrokers.com 2024 Online Broker Review popup published on January 23, 2024. StockBrokers.com evaluated brokers using 181 variables across 8 categories. The Overall Client Experience award recognizes the best user experience for typical U.S. retail investors. StockBrokers.com testing simulates dozens of workflows for investors and traders alike. Key criteria include satisfying user intent, design, customer support, platform responsiveness, convenience, workflow, education, marketing communications, and transparency. Go to third-party website Learn more about the methodology 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.
Footnote 
Merrill Guided Investing received an overall rating of 4.5 out of 5 stars in Investopedia's Best Robo-Advisors 2024, February 29, 2024 popup. Rankings based on data as of January 8 — February 9, 2024. Investopedia's team of researchers and expert writers spent months evaluating all aspects of 21 companies robo-advisor's platforms across nine key categories, including Portfolio Management, Goal Planning, Portfolio Contents, Fees, User Experience, Account Services, Account Setup, Customer Service, and Security and Education. These categories were then broken down into 59 weighted criteria (of the 64 survey questions) and resulted in 1,239 points to make up the scoring rubric. Investopedia extracts critical data points that are weighted by their quantitative model. Go to third-party website Learn more about the methodology at Investopedia popup. Reprinted with permission of Investopedia. Rankings and recognition from Investopedia 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.
Footnote 
Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms popup in 2023 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. BofA Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor popup. Rankings and recognition from Institutional Investor 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.
Footnote 7 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.

For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus.
These options are available if you terminate employment and have a balance in your former employer's qualified retirement plan. Options to leave funds in plan or roll over to your new employer's plan may not be available in certain circumstances.

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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.").
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