Retirement Plans for Small Business

You deserve a business retirement plan that meets your needs

Retirement solutions from Merrill Edge® benefit you and your business.

  • Save money with
    tax advantages
  • Fit your budget with
    competitive pricing
  • Get greater control
    with more options
  • Accomplish more with
    available specialists

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  • Which best describes your business right now?

    Retirement plans aren't just for big business—about 75% of Merrill Edge retirement plans are with sole proprietors.Footnote 1

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    59% of small business employees say they're likely to take a job offer with slightly lower compensation—if it has better benefits.Footnote 2

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  • Do you already have a retirement plan through your business?

    Myth:As an employer, I have to contribute to my employees' plans every year.

    Reality:Some plans let you control if and how much you'll contribute.

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    Why make the change to Merrill Edge?
    We're committed to personalizing a plan that fits your business

    Investing and banking made simple
    We can help connect you to the right solutions to help meet your financial goals. And with simplified account management, you can log in once to view and manage your Merrill Edge® investing and Bank of America® banking accounts.5
    dollar sign and pie chart
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    Reliable service and competitive pricing
    Merrill Edge offers low-cost, competitive pricing, streamlined account setup and outstanding customer service, so you can plan efficiently and stay focused on your business.

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  • Are you planning to contribute to your employees' accounts?

  • What type of plan do you currently have?

Based on your answers, here's a plan that may best match your business
Based on your answers, here are plans that may best match your business
  • Here's what makes the Merrill Edge 401(k) different

    • Straightforward, low-cost pricing that's generally less than many traditional 401(k) plans
    • Simplified online plan setup in 30 minutes or less with help from a specialist if you want it
    • Mutual funds and investment portfolios selected and managed by Morningstar Investment Management LLC3
    Learn more
  • Now that your business has employees, learn more about the Merrill Edge 401(k)

    • Straightforward, low-cost pricing that's generally less than many traditional 401(k) plans
    • Simplified online plan setup in 30 minutes or less with help from a specialist if you want it
    • Mutual funds and investment portfolios selected and managed by Morningstar Investment Management LLC3
    Learn more
  • Here's what makes the Merrill Edge Individual 401(k) different

    • Straightforward, low-cost pricing that's generally less than many traditional 401(k) plans
    • Simplified plan setup and administration
    • Opportunity to view your personal and business finances on one page
    Learn more
  • Here's what makes the Merrill Edge SEP IRA different

    • One login to view and manage your business and personal finances
    • Convenient online payroll contributions at no additional charge4
    • The flexibility of a full range of investment choices
    Learn more
  • Here's what makes the Merrill Edge SIMPLE IRA different

    • The flexibility of a full range of investment choices
    • Convenient online payroll contributions at no additional charge4
    • Straightforward, low-cost pricing that's generally less than many traditional 401(k) plans
    Learn more
  • Individual 401(k)

    • Potential for significant business and personal tax advantages
    • Access to funds through the available loan option
    • Can include a Roth 401(k)
    Learn more

    SEP IRA

    • The flexibility of a full range of investment choices
    • Opportunity to establish and fund as late as tax filing deadline
    • No annual fee for your online account
    Learn more
  • 401(k)

    • Potential for significant business and personal tax advantages
    • Simplified online plan setup in 30 minutes or less
    • Investments and model portfolios selected and managed by Morningstar Investment Management LLC3
    Learn more

    SEP IRA

    • Potential for significant tax advantages for your business
    • Little to no paperwork and administration
    • Access to a full range of investment choices
    Learn more
  • 401(k)

    • Potential for significant tax advantages for you, your business and your employees
    • Simplified online plan setup in 30 minutes or less
    • Investments and model portfolios selected and managed by Morningstar Investment Management LLC3
    Learn more

    SIMPLE IRA

    • Full range of investment choices
    • Required employer contributions are generally tax deductible to your business
    • Convenient online payroll contributions at no additional charge4
    Learn more

Talk to a Merrill Edge Financial Solutions Advisor 855.667.9451 855.667.9451

1 Source: Merrill Lynch Wealth Management, March 2016.

2 Source: Aflac Workforces Report, April 2015.

3 Morningstar Investment Management LLC selects the investments and is responsible for the ongoing monitoring and maintenance of the investments and model portfolios.

4 Merrill Lynch E-Contribs for Small Business Retirement Accounts™ enables you to make online payroll contributions at no additional charge.

5 Merrill Edge Small Business 401(k) is view-only and requires separate login credentials to manage.

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