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src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptWhy" id="apptWhy" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-help-question-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Expert Insights</p> <p class="txt-12 bold mb-0"><a name="infoWhy" id="infoWhy" class="lead-16" href="/research/perspectives">Get market updates<br /> and investing ideas</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2INT" class="mega-nav" style="left:;"><div id="INTcol1" class="fl nav mn-col1" style="left:;"><div id="col1INTWrap" class="wrap" style="left:;"><div id="headCol1INT" class="heading" style="left:;">Personal Investing & Trading</div><ul id="col1INT" class="nl-a" style="left:;"><li id="nav1_col1INT" class="" style="left:;"><a href="/investing">Personalized Investment Options</a></li></ul><div id="headsub1Col1INT" class="heading mt-30" style="left:;">Ways to Manage Accounts</div><ul id="sub1col1INT" class="nl-a" style="left:;"><li id="nav1_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-self-directed-trading">Merrill Edge<sup>庐</sup> Self-Directed</a></li><li id="nav2_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li><li id="nav3_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-investment-advisor">Invest with an Advisor</a></li><li id="nav4_sub1col1INT" class="" style="left:;"><a href="/investing/ways-to-manage-investments">Compare All</a></li></ul></div></div><div id="INTcol2" class="fl nav mn-col2" style="left:;"><div id="col2INTWrap" class="wrap" style="left:;"><div id="headCol2INT" class="heading" style="left:;" href="/investment-products">Investment Accounts</div><ul id="col2INT" class="nl-a" style="left:;"><li id="nav1_col2INT" class="" style="left:;"><a href="/investing/brokerage-accounts">General Investing</a></li><li id="nav3_col2INT" class="" style="left:;"><a href="/education-savings">Education Accounts</a></li></ul><div id="headSub1Col2INT" class="heading mt-30" style="left:;">Investment Products</div><ul id="Sub1col2INT" class="nl-a" style="left:;"><li id="nav1_sub1col2INT" class="" style="left:;"><a href="/investing/stocks">Stocks</a></li><li id="nav2_sub1col2INT" class="" style="left:;"><a href="/investing/mutual-funds">Mutual Funds</a></li><li id="nav3_sub1col2INT" class="" style="left:;"><a href="/investing/etf">ETFs</a></li><li id="nav4_sub1col2INT" class="" style="left:;"><a href="/investing/fixed-income-bonds">Fixed Income & Bonds</a></li><li id="nav5_sub1col2INT" class="" style="left:;"><a href="/investing/certificate-of-deposit">CDs</a></li><li id="nav6_sub1col2INT" class="" style="left:;"><a href="/investment-products/options">Options</a></li></ul></div></div><div id="INTcol3" class="fl nav mn-col3" style="left:;"><div id="col3INTWrap" class="wrap" style="left:;"><div id="headCol3INT" class="heading" style="left:;">Trading</div><ul id="col3INT" class="nl-a" style="left:;"><li id="nav1_col3INT" class="" style="left:;"><a href="/investing/margin-trading">Margin Trading</a></li><li id="nav2_col3INT" class="" style="left:;"><a href="/investing/best-execution-trading">Order Execution Quality</a></li></ul><div id="headSub1Col3INT" class="heading mt-30" style="left:;">Investment Tools</div><ul id="Sub1col3INT" class="nl-a" style="left:;"><li id="nav1_sub1col3INT" class="" style="left:;"><a href="/idea-builder">Idea Builder</a></li><li id="nav2_sub1col3INT" class="" style="left:;"><a href="/dashboard">Merrill Edge MarketPro<sup>庐</sup></a></li></ul></div></div><div id="INT_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:140px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneInvest" id="phoneInvest" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptInvest" id="apptInvest" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Education</p> <p class="txt-12 bold mb-0"><a name="infoInvest" id="infoInvest" class="lead-16" href="/investor-education">Build your knowledge with<br /> our insights and education</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:95px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a href="/guidance">Overview</a></li></ul><div id="headSub2Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">By Life Stage</div><ul id="Sub2col1GNR" class="nl-a" style="left:;"><li id="nav1_sub2col1GNR" class="" style="left:;"><a href="/guidance/starting-out">Early in Your Career</a></li><li id="nav2_sub2col1GNR" class="" style="left:;"><a href="/guidance/building-wealth">Peak Earning Years</a></li><li id="nav3_sub2col1GNR" class="" style="left:;"><a href="/guidance/nearing-retirement">Nearing Retirement</a></li><li id="nav4_sub2col1GNR" class="" style="left:;"><a href="/guidance/retired">In Retirement</a></li></ul><div id="headSub3Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">Tools & Resources</div><ul id="Sub3col1GNR" class="nl-a" style="left:;"><li id="nav1_sub3col1GNR" class="" style="left:;"><a href="/guidance/tools">View all Tools</a></li><li id="nav2_sub3col1GNR" class="" style="left:;"><a href="/guidance/tax-planning">Tax Resources</a></li></ul></div></div><div id="GNRcol2" class="fl nav mn-col3" style="left:;"><div id="col2GNRWrap" class="wrap" style="left:;"><div id="headCol2GNR" class="heading" style="left:;" href="/guidance">Education Planning</div><ul id="col2GNR" class="nl-a" style="left:;"><li id="nav1_col2GNR" class="" style="left:;"><a href="/college-savings">Plan for College</a></li><li id="nav2_col2GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator">College Cost Calculator</a></li><li id="nav3_col2GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li></ul><div id="headSub1Col2GNR" class="heading mt-30" style="left:;" href="/guidance">Retirement Planning</div><ul id="Sub1col2GNR" class="nl-a" style="left:;"><li id="nav1_Sub1col2GNR" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav2_Sub1col2GNR" class="" style="left:;"><a href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li><li id="nav3_Sub1col2GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">Retirement Account Selector Tool</a></li><li id="nav4_Sub1col2GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li></ul></div></div><div id="GNR_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneGuide" id="phoneGuide" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptGuide" id="apptGuide" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing and Trading</p> <p class="txt-12 bold mb-0"><a name="infoGuide" id="infoGuide" class="lead-16" href="/investing">A full range of<br /> investment choices</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2Research" class="mega-nav" style="left:;"><div id="col1RES" class="fl nav mn-col1" style="left:;"><div id="wrapRES" class="wrap" style="left:;"><div id="headRES" class="heading" style="left:;">Solutions</div><ul id="Col1RES" class="nl-a" style="left:;"><li id="nav2_Col1RES" class="" style="left:;"><a href="/retirement/rollover-ira">Rollover</a></li><li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira">Traditional IRA</a></li><li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira">Roth IRA</a></li></ul><div id="headCol1Sub1RES" class="heading mt-30" style="left:;">Retirement Resources</div><ul id="Col1Sub1RES" class="nl-a" style="left:;"><li id="nav1_Col1Sub1RES" class="" style="left:;"><a href="/retirement/retirement-income-planning">Income in Retirement</a></li><li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav3_Col1Sub1RES" class="" style="left:;"><a href="/retirement">Retirement Account Types</a></li><li id="nav4_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement">Retirement Tools</a></li></ul></div></div><div id="col2RES" class="fl nav mn-col2" style="left:;"><div id="wrap2RES" class="wrap" style="left:;"><div id="headRES2" class="heading" style="left:;" href="/research-and-insights">Small Business</div><ul id="Col2RES" class="nl-a" style="left:;"><li id="nav1_Col2RES" class="" style="left:;"><a href="/small-business/401k">Small Business 401(k)</a></li><li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k">Individual 401(k)</a></li><li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira">SEP IRA</a></li><li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira">SIMPLE IRA</a></li><li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business">View All Plans</a></li></ul></div></div><div id="l2Research_CMS" class="fl cms mn-col3" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneResearch" id="phoneResearch" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptResearch" id="apptResearch" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-target-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Financial Planning</p> <p class="txt-12 bold mb-0"><a name="infoResearch" id="infoResearch" class="lead-16" href="/guidance">Insights to help you<br /> plan for your goals</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2IE" class="mega-nav" style="left:;"><div id="EDUcol1" class="fl nav mn-col1" style="left:;"><div id="col1EDUWrap" class="wrap" style="left:;"><div id="headCol1EDU" class="heading" style="left:;">Investing Insights & Education</div><ul id="col1EDU" class="nl-a" style="left:;"><li id="nav1_col1EDU" class="" style="left:;"><a href="/investor-education">Overview</a></li><li id="nav2_col1EDU" class="" style="left:;"><a href="/guidance/start-investing">Get Started Investing</a></li><li id="nav3_col1EDU" class="" style="left:;"><a href="/investor-education/investing-basics">Investing Basics</a></li><li id="nav4_col1EDU" class="" style="left:;"><a href="/investor-education/advanced-investing">Advanced Investing</a></li><li id="nav5_col1EDU" class="" style="left:;"><a href="/research/perspectives">Market & Investing Insights</a></li></ul></div></div><div id="EDUcol2" class="fl nav mn-col2" style="left:;"><div id="col2EDUWrap" class="wrap" style="left:;"><div id="headCol2EDU" class="heading" style="left:;" href="/investor-education">Product Education</div><ul id="col2EDU" class="nl-a" style="left:;"><li id="nav3_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-stocks">Stocks</a></li><li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li><li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs">ETFs</a></li><li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li><li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education">Options</a></li></ul></div></div><div id="l2IE_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:162px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneEd" id="phoneEd" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptEd" id="apptEd" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-award-ribbon-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Solutions</p> <p class="txt-12 bold mb-0"><a name="infoEd" id="infoEd" class="lead-16" href="/why-merrill ">Explore the advantages<br /> of investing with Merrill</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2OAA" class="mega-nav" style="left:;"><div id="OAA_CMS" class="fl cms mn-col1" style="left:;"><div class="wrap" style="padding-bottom:160px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneOAO" id="phoneOAO" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptOAO" id="apptOAO" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div><div id="OAAcol1" class="fl nav mn-col2" style="left:;"><div id="col1OAAWrap" class="wrap" style="left:;"><div id="headCol1OAA" class="heading" style="left:;">General Investing</div><ul id="col1OAA" class="nl-a" style="left:;"><li id="nav1_col1OAA" class="" style="left:;"><a href="/global-oao">Account Options</a></li><li id="nav2_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li><li id="nav3_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=JointCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Joint Investing Account</a></li><li id="nav4_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Custodial Investing Account</a></li></ul><div id="headSubCol1OAA" class="heading mt-30" style="left:;">Retirement Accounts</div><ul id="subcol1OAA" class="nl-a" style="left:;"><li id="nav1_subcol1OAA" class="" style="left:;"><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=global_nav_acct_sel&oaounit=rollover_link&oaocampaign=baseline&oaoterm=rollover_baseline">Rollover</a></li><li id="nav2_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Traditional IRA</a></li><li id="nav3_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=RothIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Roth IRA</a></li></ul><div id="headSubCol4OAA" class="heading mt-30" style="left:;">Inherited IRA</div><ul id="subcol4OAA" class="nl-a" style="left:;"><li id="nav1_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=TraditionalIRA">Traditional Inherited IRA</a></li><li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA">Roth Inherited IRA</a></li></ul></div></div><div id="OAAcol2" class="fl nav mn-col3" style="left:;"><div id="col2OAAWrap" class="wrap" style="left:;"><div id="headCol2OAA" class="heading" style="left:;">College Planning Accounts</div><ul id="col2OAA" class="nl-a" style="left:;"><li id="nav1_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/SubAccountTypeA.aspx?_tps=76a2df6657eb4727924724805b48aaa0">529 College Savings Plans</a></li><li id="nav2_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=76a2df6657eb4727924724805b48aaa0">Custodial UGMA/UTMA Accounts</a></li></ul><div id="headSubCol2OAA" class="heading mt-30" style="left:;">Managed Portfolios</div><ul id="Subcol2OAA" class="nl-a" style="left:;"><li id="nav1_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Merrill Guided Investing</a></li><li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Invest with an Advisor</a></li></ul></div></div><div id="OAAcol3" class="fl nav mn-col4" style="left:;"><div id="col3OAAWrap" class="wrap" style="left:;"><div id="headSubCol3OAA" class="heading" style="left:;">Small Business 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id="NavSIMPLE" href="/small-business/simple-ira">SIMPLE IRA</a></li> <li><a name="NavSB_All" id="NavSB_All" class="noborder" href="/small-business">View all plans</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Learn</a> <ul class="level2" aria-hidden="true" id="content-5"> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5a" aria-expanded="false" id="accordion-control-5a">Investing Insights & Education</a> <ul class="level3" aria-hidden="true" id="content-5a"> <li><a name="NavEdOverview" id="NavEdOverview" href="/investor-education">Overview</a></li> <li><a name="NavGetStarted" id="NavGetStarted" href="/guidance/start-investing">Get Started Investing</a></li> <li><a name="NavBasics" id="NavBasics"href="/investor-education/investing-basics">Investing Basics</a></li> <li><a name="NavInsights" id="NavInsights"href="/research/perspectives">Market & Investing Insights</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5b" aria-expanded="false" id="accordion-control-5b">Product Education</a> <ul class="level3" aria-hidden="true" id="content-5b"> <li><a name="NavStocksLearn" id="NavStocksLearn" href="/investor-education/understanding-stocks">Stocks</a></li> <li><a name="NavMFsLearn" id="NavMFsLearn" href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li> <li><a name="NavETFsLearn" id="NavETFsLearn" href="/investor-education/understanding-etfs">ETFs</a></li> <li><a name="NavFixedLearn" id="NavFixedLearn" href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li> <li><a name="NavOptionsLearn" id="NavOptionsLearn" href="/investor-education/options-education">Options</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed noborder help" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">Help When You Want It</a> <ul aria-hidden="true" id="content-6" class="level2 closed"> <div class="navHelpFlex"> <a name="navAnswers" id="navAnswers" class="ifaNo" href="/help-support">Find answers to<br /> common questions <span class="adahidden"> at Merrill</span></a> <a name="navAppt" id="navAppt" class="ifaNo" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/">Schedule an<br /> appointment<span class="adahidden"> with Merrill</span></a> <div class="ifaYes" style="display:none;"><a name="navIFA" id="navIFA" target="_blank" rel="noopener noreferrer" href="mailto:mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date."><span>To find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a></div> </div> </ul> </li> </ul> <div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> <script type="text/javascript"> // Script to create IFA tactic experience Sys.Application.add_init(function () { if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } }); </script>   <div class="wrapper-2"> <a name="backTo" id="backTo" href="/guidance/tools/retirement">Back to retirement tools</a> <h1 class="txt-brand">Merrill<sup>®</sup> Personal Retirement Calculator</h1> </div> <div class="show" 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background-size: auto 100%; padding:25px 20px 35px 20px; } .offerMGIFlex { gap:0; text-align:center; flex-direction:column; } .offerMGIf1 { margin:0 auto 25px auto; } .offerMGIf2 { margin:0 auto 30px auto; max-width:540px; } .offerMGI h2 { font-size:32px; line-height:1.3; } .offerMGIf3 { margin:0 auto; } .offerTerms { margin:0 0 10px 0; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .offerMGI { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-flagscape-bg-blue-mobile.jpeg); } } </style> <div class="offerMGI"> <div class="offerMGIFlex"> <div class="offerMGIf1"> <div class="offerMGIGet txt-brand">Get up to</div> <div class="offerMGIFigure txt-brand"><sup>$</sup>600</div> <div class="txt-14"><span class="adahidden">Footnotes </span>*Conditions and<br /> fees apply</div> </div> <div class="offerMGIf2"> <h2 class="txt-brand-l">Get up to $600 when you invest in a new Merrill <span class="nowrap">account.<span class="adahidden">Footnote </span><sup>1</sup></span></h2> </div> <div class="offerMGIf3"> <a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=tools_prc_page&oaounit=banner_600&oaocampaign=baseline&oaoterm=DS_offer_600" name="ctaMGI" id="ctaMGI" class="cta orange m" ><span>Open an account<span class="adahidden"> at Merrill</span></span></a> <div class="offerMGIcode">Must use offer code: <strong>600ME</strong></div> </div> </div> </div>   <div class="startShell"> <div class="startIntro"> <h2 class="txt-brand">Ready to get started?</h2> <div><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=tools_prc_page&oaounit=cta_bottom_open_acct&oaocampaign=baseline&oaoterm=ret_start_all" name="CTAStart" id="CTAStart" class="cta orange m" ><span><span class="adahidden">Select to </span> Open an account </span></a></div> </div> <div class="startLinks"> <h3>Account choices</h3> <div><a name="link1" id="link1" href="/retirement/ira/selector-tool">IRA Selector Tool</a></div> <div><a name="link2" id="link2" href="/investing">Learn more about your savings options</a></div> <h3>Related resources</h3> <div><a name="link3" id="link3" href="/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose">10 tips to help you boost for retirement savings — whatever your age</a></div> <div><a name="link4" id="link4" href="/article/setting-and-prioritizing-financial-goals ">Financial Goals: How to Set and Prioritize Multiple Goals</a></div> </div> </div>  <script> $GE.JQ(function() { // Scripts to prepend correct environments to MLD links var str1 = "merrilledgesit1.com"; var str2 = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fssit1.ml.com"; } else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 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class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">How much do I need to retire?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> There is no single retirement target that covers everyone; it depends on what you expect your retirement to look like. The rule of thumb is to have enough to draw down 80% to 90% of your pre-retirement income. Or, using a simple formula like saving 12 times your pre-retirement salary is also a good rule of thumb. Get informative retirement planning tips and discover how, when to start and <a href="/article/how-much-do-you-really-need-to-save-for-retirement" id="HowMuchSave" name="HowMuchSave">how much to save for retirement</a>. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">How can I retire early?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> Think about your retirement needs early in life and start saving soon, even if you start small. Time is an asset, so use it wisely. If your employer offers a 401(k), begin contributing at least up to any employer match as soon as you can. In addition to a company sponsored 401(k), you may be eligible to contribute to a traditional or Roth IRA. Learn more about <a href="/retirement/traditional-ira" id="Traditional" name="Traditional">traditional IRAs</a> and how they can grow tax deferred. Learn more about <a href="/retirement/roth-ira" id="Roth" name="Roth">Roth IRAs</a> and how qualified withdrawals on contributions and earnings will be federal income tax-free and may be state tax-free. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">What's a good monthly retirement income for me?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> If you retire at 64, retirement could easily last three decades. Developing a retirement income strategy is key to having a retirement income, whether it be a drawdown strategy, annuities for predictable income and/or another vehicle. <a href="/guidance/retired/retirement-income-strategy" id="RetireStrategy" name="RetireStrategy">Learn about developing a retirement income strategy</a>. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">How long will my money last in retirement?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> It depends on your spending needs and how much you have saved. Without a paycheck, you'll need other sources of income. Develop a retirement income strategy, create a retirement budget, plan for and manage healthcare costs and prioritize your financial goals. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Where should I retire?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> Deciding where you want to live in retirement is more than a lifestyle choice. Should you sell or keep your family home? As you think about where to live, consider potential expenses like home renovations (entrance ramp, stair lift, walk-in tub or shower), tax implications, the cost of living in a retirement community or the cost of relocating all together. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">What are the best ways to save for retirement?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> <div class="pb-25">A quarter of working Americans have nothing saved for <span class="nowrap">retirement.<span class="adahidden">Footnote </span><sup>1</sup></span> When planning for retirement, the truth is that the earlier you start saving, the better off you could be, thanks to the power of compound interest. However, even if you began saving late or have yet to begin, it's important to know that you're not alone, and there are steps you can take to increase your retirement savings:</div> <ul class="list"> <li>Focus on starting to save for retirement today</li> <li>Contribute to your 401(k), if you have one</li> <li>Meet your employer's match</li> <li>Open an IRA</li> <li>Take advantage of catch-up contributions if you're age 50 or older</li> <li>Automate your savings</li> <li>Rein in spending</li> <li>Set a goal</li> <li>Stash extra funds</li> <li>Consider delaying Social Security as you get closer to retirement</li> </ul> <div class="disclaimer"><span class="adahidden">Footnote </span><sup>1</sup> Federal Reserve, "Economic Well-Being of U.S. Households," May 2022.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">What are the different types of retirement accounts?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> There are many different types of retirement accounts. The most popular for individual investors are a traditional IRA, Roth IRA, 401(k) and/or a 403(b). Use our <a href="/retirement/ira/selector-tool" id="SelectorTool" name="SelectorTool">Retirement Account Selector Tool</a> to determine which account is right for you. After you determine an account that works best for you, consider <a href="/investing/ways-to-manage-investments" id="ManageInvestments" name="ManageInvestments">Merrill's solutions to investment management</a>. </div> </div> </div> </div> </div> </div> </div>   <div id="etdisclosure">  <span class="adahidden">Footnote </span> <script type="text/javascript"> var tradeSUP="*";</script><strong>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6063">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 pricing, visit <a name="MGI_Pricing" id="MGI_Pricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="1";</script>  <div class="disclaimer" > <style> #etdisclosure .disclaimer .disclaimer, #etfooter .disclaimer .disclaimer, .wrapper-2 .disclaimer .disclaimer, disclaimer .disclaimer .disclaimer { padding:0; } </style> <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Offer valid</strong> for new individual Merrill IRAs or Cash Management Accounts (CMAs). Cash bonus offers, in the aggregate, are limited to one CMA and one IRA per accountholder. Eligible Merrill IRAs limited to Traditional, Roth and owner-only SEP IRA. The Merrill IRA or CMA may be a Merrill Edge Self-Directed account, Merrill Edge Advisory account, Merrill Guided Investing account or Merrill Guided Investing with an Advisor account. You may be eligible for a different or better offer. Please contact us for more information.<br /><br /> <strong>Offer Limitations:</strong> This offer does not apply to business/corporate accounts, investment club accounts, partnership accounts and certain fiduciary accounts held with Merrill, or to any types of accounts (including IRAs or CMAs) held with other business units of Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). Merrill reserves the right to change or cancel this offer at any time, without notice. This offer may not be used as an inducement to sell any kind of insurance, including annuities.<br /><br /> <style> .cash-reward { font-size: inherit; margin: 20px 0 20px 0; } .cash-reward-title { background-color: #f9f7f4; border-bottom: none; } table.cash-reward td { text-align: center; } table.cash-reward th { text-align: center; } </style> <strong>How it Works:</strong><br /><br /> <ol style="margin-bottom: 20px;"> <li><strong>You must enroll during account opening</strong> by entering the offer code in the online application or by providing it when speaking with a Merrill Financial Solutions Advisor at <span id="D6006Ph1">888.637.3343</span> or at select Bank of America® financial centers. You are solely responsible for enrolling or asking to be enrolled in the offer.</li> <li><strong>Fund your account with at least $20,000</strong> in qualifying net new assets within 45 days of account opening. Assets transferred from other accounts at MLPF&S, Bank of America Private Bank, or 401(k) accounts administered by MLPF&S do not count towards qualifying net new assets.</li> <li><strong>After 90 days</strong> of meeting the funding criteria described in Step 2, your cash reward will be determined by the qualifying net new assets in your account (irrespective of any losses or gains due to trading or market volatility) as follows: <table class="cash-reward"> <tr class="cash-reward-title"> <th style="border: 0px;" scope="col"><strong>Qualifying Net New Asset Balance  </strong></th> <th style="border: 0px;" scope="col"><strong>Cash Reward</strong></th> </tr> <tr> <td>Less than $20,000</td> <td>$0</td> </tr> <tr> <td>$20,000 to $49,999</td> <td>$100</td> </tr> <tr> <td>$50,000 to $99,999</td> <td>$150</td> </tr> <tr> <td>$100,000 to $199,999</td> <td>$250</td> </tr> <tr> <td>$200,000 or more</td> <td>$600</td> </tr> </table> <p>For purposes of this offer, qualifying net new assets are calculated by adding total incoming assets or transfers (including cash, securities and/or margin debit balance transfers) and subtracting assets withdrawn or transferred out of the account within the preceding 24 weeks.</p></li> <li class="mt-10">Your <strong>one-time cash reward</strong> will be deposited into your IRA or CMA within two weeks following the end of the 90 day period. If your account is enrolled in an investment advisory program, such as Merrill Edge Advisory Account, Merrill Guided Investing or Merrill Guided Investing with an Advisor, any cash reward deposited into your account will be subject to the program fee and other terms of the investment advisory program.</li> </ol> <strong>Tax Disclaimer:</strong> The value of the reward you receive may constitute taxable income. Merrill may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the reward. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice.<br /><br />  <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6030"><strong>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 <a href="/retirement/rollover-ira" target="_blank">our rollover page</a> or call Merrill at <span id="D6030Ph1">888.637.3343</span>.</strong></span> </div>  </div>  The results provided by the Personal Retirement Calculator (PRC) are intended for illustrative purposes only and accuracy is not guaranteed. The results should not be relied upon nor should they be deemed as investment advice. <br /><br /> IMPORTANT: The projections or other information generated by the Personal Retirement Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. <br /><br /> The Personal Retirement Calculator is provided by one or more third party service providers. However, the information generated by the calculator is developed by Merrill to estimate how current savings and estimated future contributions may help to meet estimated income in retirement. The information estimates potential growth of your indicated assets and contributions over the time frame specified. The market return data used to generate the illustration is hypothetical and intended to provide you with a general idea of how an asset mix you selected might perform over time. <br /><br /> The respective asset mix may be useful information, but is in no way representative of past performance of a particular investment, and is not representative of any future performance of any particular investment. Numerous factors make the calculations uncertain, such as the use of assumptions about hypothetical returns and inflation as well as the data you have provided. Assumptions concerning inflation are for illustrative purposes only. Any asset or portfolio earnings and/or returns shown or used do not reflect the cost of investing, including commissions or fees. <br /><br /> Past performance is not a guarantee of future results. <br /><br /> We encourage you to consult with qualified professionals to discuss your situation. <br /><br /> Bank of America Corporation and its affiliates are not tax or legal advisors. The PRC is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Bank of America Corporation, its affiliates or any other institution, nor does the PRC predict or guarantee the actual results of any investment product. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. You shall be fully responsible for any investment decisions you make, and such decisions will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, and liquidity needs. Please consult with qualified professionals to discuss your situation. <br /><br /> For more information on the calculations, review our Methodology and Assumptions section below. <br /><br /> <div class="prcAnchor"> <div id="methodsAnchor"></div> </div> <div><a href="javascript:void(0);" id="methodsLink1" class="show-hide-open" aria-expanded="false">Methodology – How the Calculator Works<span class="adahidden"> Expand calculator methodology details</span></a></div> <div id="methodsContent" class="hide" aria-hidden="true"> <h4>The Methodology, Assumptions, and Limitations of the Personal Retirement Calculator</h4> <p>The information generated by the Personal Retirement Calculator was developed by Chief Investment Office (CIO) to estimate how current savings or investments and estimated future contributions may help to meet estimated financial needs in retirement.</p> <p>The calculator does not take into account a number of important factors that materially impact both what you should save or invest for retirement and which investments may be best for you, including your tax bracket and expected tax payments, other investments or insurance coverage you currently hold, or large expenses you and your family may have both now and in the future, such as educational expenses, alimony, long-term care and health care costs.</p> <p>Simple questions about your circumstances are used to get personalized information in order to generate a hypothetical scenario and analyze how it could potentially perform over time. The output of the calculator is highly dependent on the accuracy and completeness of your input. The figures entered on the input page of the calculator are for hypothetical purposes only. You should enter figures that reflect your individual situation. The results provided by the calculator are also intended for illustrative purposes only and accuracy is not guaranteed. The calculator's assumptions are based on numerous factors that make the calculations uncertain, such as the use of assumptions about hypothetical returns and inflation as well as data you have provided. Neither Bank of America Corporation nor the Personal Retirement Calculator can predict or guarantee future results.</p> <p>The calculator's results are generated through the use of Monte Carlo simulation to determine the likelihood of levels of returns that a portfolio might experience under different market conditions. The Monte Carlo Analysis is a mathematical technique, based on the statistics of probability that is used to estimate the likelihood that your assets may realize your target growth goal within the time frame indicated using assumptions of hypothetical risk and return as well as inflation. See more information below.</p> <p><strong>These results are hypothetical estimates only. This is not and should not be considered a fee-based comprehensive financial plan.</strong> The information contained in this material does not constitute advice on the tax consequences of making any particular investment decision. This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy.</p> <p>This analysis is not a guarantee as your actual results may vary materially.</p> <p>You are encouraged to consult with qualified professionals to discuss your particular situation, such as your tax bracket, expense obligations and current investments before implementing any financial or regulatory changes.</p> <h4>Methodology – How the Calculator Works</h4> <p>The calculator assumes two stages of wealth management: accumulation and distribution. It starts by gathering specific information directly from you: your current age, desired retirement age, current retirement savings or investments, annual income, monthly retirement contributions, and your investment style for the accumulation stage, which helps the calculator select an appropriate asset allocation and risk profile.</p> <p>Using Monte Carlo simulation, the calculator simulates 5000 market performance trials based on the results generated by your answers. The returns in each of the years for each of the trials are generated randomly by algorithmic analysis based on average returns and risks associated with the investment style during the accumulation phase. Every trial uses the same accumulation period. In each trial, each year, the portfolio return is generated randomly by algorithmic analysis based on a statistical analysis that assumes a "normal distribution" whose mean is the average annual return of the portfolio and whose standard deviation is the annual risk of the portfolio. In each trial, the initial investment amount and contributions are grown during the accumulation period using the generated portfolio returns.</p> <p>The calculator is designed to generate an estimated personal retirement number and two scenarios: "average market performance" and "poor market performance." Your personal retirement number is defined as a simple estimate (excluding tax considerations, personal expense obligations and other factors) of the minimum assets you will need to have at your selected retirement age to replace 85% (or the percentage you selected) of your pre-retirement income before taxes.</p> <p>"Average market performance" represents a 50% probability that the balance of funds at your selected retirement year will be at least the 50th percentile balance generated by the market performance trials. "Poor market performance" represents a 90% probability that the balance at retirement will be at least the 90th percentile balance. Since market uncertainty is reflected in the variability of the returns in these trials, the 50th percentile balance corresponds to the trials that were closer to the middle of the distribution and the 90th percentile balance corresponds to the trials that were farther from the middle.</p> <p>The annual contributions in future years are assumed to grow at the rate of inflation (based on the default amount of 2.44%) or at the income growth rate specified by you. Normal distribution is a statistical term that means the results are based on a theoretical data distribution which is evenly distributed, centered on the average return of the simulations. The most probable results of the simulations tend to fall closer to the average return, with less probable returns either progressively higher or progressively lower than the average return. Standard deviation is a useful measure of the variability of return earned by an investment portfolio. In performance measurement, it is generally assumed that a larger degree of variability implies that greater risk was taken to achieve the return.</p> <p>Before beginning the distribution stage, the calculator computes distribution values such as the amount estimated to fund your retirement based on 85% (or your selected percentage) of your pre-retirement income before taxes (personal retirement number). The personal retirement number uses the cost of a hypothetical annuity from a highly-rated, credit-worthy issuer with a discount rate (return) of 6.70%. The hypothetical annuity is an inflation-adjusted annual payment for the duration of the retirement. The assumed average rate of inflation is 2.44% (or your selected percentage) in any single year. This hypothetical instrument and value is highly correlated with interest rates and may become more or less costly as interest rates vary.</p> <p>During the distribution stage, the calculator computes an estimate of the percentage of your preretirement income that you will be able to withdraw every year, beginning at your selected retirement year, to the age of 98 years old (or your selected age). This withdrawal amount is inflation-adjusted assuming a default rate of 2.44% (or your selected percentage). The withdrawal amount will be significantly higher if the assumptions are changed, in the case, for example, of a higher inflation rate.</p> <h4>Assumptions and Limitations of the Personal Retirement Calculator</h4> <ul class="list"> <li>Taxable account gains are taxed at a pre-retirement capital gains tax rate of 20%</li> <li>Tax deferred accounts are taxed at a post retirement tax rate of 15%</li> <li>Compounding is on an annual basis</li> <li>The monthly investment is accumulated and invested at one time at the end of the year</li> <li>The annual investment is grown at the salary growth rate in subsequent years</li> <li>The accumulation period is computed from the current age until retirement age for simulation purposes (assuming no distributions or withdrawals and that all earnings are reinvested)</li> <li>The standard deviation (a measure of risk and variability) for the generation of portfolio returns is used as the annual risk of the portfolio</li> <li>The model assumes you will live to 98 years old unless you input a different number (Range 70-100 years old)</li> <li>Average inflation defaults to 2.44% (Range 0-10%)</li> <li>Salary growth rate defaults to 2.44% annually (same as inflation rate, range 0-10%)</li> <li>The personal retirement number assumes replacement of 85% (or your selected percentage) of your pre-retirement income before taxes (The range is 50% - 110%)</li> <li>Does not assume pension or other retirement income</li> <li>Includes Social Security benefits, unless you elect not to include them</li> <li>Does not include the value of real estate or real estate income</li> <li>Income is assumed to be withdrawn once a year at the beginning of the year starting at retirement</li> <li>Does not include expenses, such as long-term care, health care costs, disability, education, alimony or other expenses post-retirement</li> <li>The determination for being "on track" is when the total projected asset amount at the desired retirement age and during average market performance is greater than or equal to the personal retirement number. </li> <li>The monthly and annual amount you are on track to have is expressed in today's dollars. The total amount you are on track to have is expressed in future dollars at time of initial retirement and is adjusted for salary growth and inflation rate.</li> </ul> <h4>Asset Class Assumptions</h4> <p class="mb-10">Our estimates for forward-looking returns for the major asset classes are shown in the table below.</p> <table class="assetTable"> <tr> <th style="border:0;"> </th> <th scope="col" style="border:0; text-align:center;">Arithmetic Return*</th> <th scope="col" style="border:0; text-align:center;">Volatility**</th> </tr> <tr> <th colspan="3" class="bgDarkBlue txt-white">Equity</th> </tr> <tr class="equity"> <td scope="row">U.S. Large Cap Growth</td> <td>11.1%</td> <td>19.5%</td> </tr> <tr class="equity"> <td scope="row">U.S. Large Cap Value</td> <td>11.5%</td> <td>17.3%</td> </tr> <tr class="equity"> <td scope="row">U.S. Small Cap Growth</td> <td>13.4%</td> <td>26.2%</td> </tr> <tr class="equity"> <td scope="row">U.S. Small Cap Value</td> <td>12.9%</td> <td>21.6%</td> </tr> <tr class="equity"> <td scope="row">International Developed Equity</td> <td>9.3%</td> <td>19.2%</td> </tr> <tr class="equity"> <td scope="row">Emerging Markets</td> <td>10.1%</td> <td>24.0%</td> </tr> <tr> <th colspan="3" class="bgDarkBlue txt-white">Fixed Income</th> </tr> <tr class="fixed"> <td scope="row">U.S. Government</td> <td>4.1%</td> <td>4.9%</td> </tr> <tr class="fixed"> <td scope="row">U.S. Mortgages</td> <td>4.3%</td> <td>5.7%</td> </tr> <tr class="fixed"> <td scope="row">U.S. Corporates</td> <td>4.9%</td> <td>6.6%</td> </tr> <tr class="fixed"> <td scope="row">U.S. High Yield</td> <td>6.6%</td> <td>8.5%</td> </tr> <tr class="fixed"> <td scope="row">International Fixed Income</td> <td>4.4%</td> <td>3.4%</td> </tr> <tr class="fixed"> <th scope="row" class="bgDarkBlue txt-white">Cash</th> <td style="text-align:center;">3.3%</td> <td>0.4%</td> </tr> </table> <p>Expected return and risk are based on Bank of America Chief Investment Office鈥檚 2024 Capital Market Assumptions as of January, 2024.<br /> *Arithmetic return is a simple arithmetic average of periodic returns, calculated by summing returns for all time periods, then dividing by the number of time periods. <br /> **Volatility is the measure of the amount of variation an asset will exhibit during a specified period.</p> <p class="mt-20">In setting the asset class assumptions, CIO adopted a forward-looking view that CIO believes is realistic and does not merely assume that historic returns will continue to be realized in the future. It reflects CIO's belief that it is more responsible to illustrate the effects of lower returns than to rely solely on best case scenarios. CIO follows a rigorous review process and consider a number of factors and analyses, including a close examination of asset class performance over several economic cycles. Special events or circumstances are also considered, but with the appreciation that future performance may not necessarily follow patterns established in the past.</p> <p>Index proxies are used as a data input in constructing the forward-looking assumptions. The index proxies represented for equity, fixed income and cash are described below:</p> <h4>Equity:</h4> <table class="equityTable"> <tr> <td scope="row">U.S. Large Cap Growth</td> <td>Russell 1000 Growth TR</td> <td>Russell 1000 Growth Total Return measures the performance of the large-cap growth segment of the U.S. equity universe.<br /> It includes those Russell 1000 companies with higher price-to-book ratios and higher forecasted growth values.</td> </tr> <tr> <td scope="row">U.S. Large Cap Value</td> <td>Russell 1000 Value TR</td> <td>Russell 1000 Value Total Return measures the performance of the large-cap value segment of the U.S. equity universe.<br /> It includes those Russell 1000 companies with lower price-to-book ratios and lower expected growth values.</td> </tr> <tr> <td scope="row">U.S. Small Cap Growth</td> <td>Russell 2000 Growth TR</td> <td>Russell 2000 Growth Total Return measures the performance of the broad growth segment of the U.S. equity universe.<br /> It includes those Russell 2000 companies with higher price-to-book ratios and higher forecasted growth values.</td> </tr> <tr> <td scope="row">U.S. Small Cap Value</td> <td>Russell 2000 Value TR</td> <td>Russell 2000 Value Total Return measures the performance of the large-cap value segment of the U.S. equity universe.<br /> It includes those Russell 2000 companies with lower price-to-book ratios and lower expected growth values.</td> </tr> <tr> <td scope="row">International<br /> Developed Equity</td> <td>MSCI Daily TR Net World<br />Ex USA USD</td> <td>The MSCI World ex USA Index captures large and mid cap representation across 22 of 23 Developed Markets (DM) countries —<br /> excluding the United States. The index covers approximately 85% of the free float-adjusted market capitalization in each country.</td> </tr> <tr> <td scope="row">Emerging Markets</td> <td>MSCI Daily TR Net EM USD</td> <td>The MSCI Emerging Markets (EM) Index captures large and mid cap representation across 23 Emerging Markets countries and targets coverage of approximately 85% of the free float adjusted market capitalization in each country.</td> </tr> </table> <h4>Fixed Income:</h4> <table class="equityTable"> <tr> <td scope="row">U.S. Government</td> <td>ICE BofA AAA U.S. Treasury/ Agency Master</td> <td>The BofA US Treasury & Agency Index tracks the performance of US dollar denominated US Treasury and non-subordinated US agency debt issued in the US domestic market. Qualifying securities must have an investment grade rating (based on an average of Moody's, S&P and Fitch). In addition, qualifying securities must have at least one-year remaining term to final maturity, at least 18 months to maturity at time of issuance, a fixed coupon schedule and a minimum amount outstanding of $1 billion for sovereigns and $250 million for agencies.</td> </tr> <tr> <td scope="row">U.S. Mortgages</td> <td>ICE BofA Mortgage Master</td> <td>The BofA US Mortgage-Backed Securities Index tracks the performance of US dollar denominated fixed rate and hybrid residential mortgage pass-through securities publicly issued by US agencies in the US domestic market. 30-year, 20-year, 15- year and interest-only fixed rate mortgage pools are included in the Index provided they have at least one-year remaining term to final maturity and a minimum amount outstanding of at least $5 billion per generic coupon and $250 million per production year within each generic coupon.</td> </tr> <tr> <td scope="row">U.S. Corporates</td> <td>ICE BofA U.S. Corp Master</td> <td>The BofA US Corporate Index tracks the performance of US dollar denominated investment grade corporate debt publicly issued in the US domestic market. Qualifying securities must have an investment grade rating (based on an average of Moody's, S&P and Fitch), at least 18 months to final maturity at the time of issuance, at least one-year remainingterm to final maturity as of the rebalancing date, a fixed coupon schedule and a minimum amount outstanding of $250 million.</td> </tr> <tr> <td scope="row">U.S. High Yield</td> <td>ICE BofA High Yield Cash Pay</td> <td>The BofA US Cash Pay High Yield Index tracks the performance of US dollar denominated below investment grade corporate debt, currently in a coupon paying period that is publicly issued in the US domestic market.</td> </tr> <tr> <td scope="row">International Fixed Income</td> <td>ICE BofA Global Broad Market TR ex USD (Hedged)</td> <td>The BofA Global Broad Market Excluding US Dollar Index tracks the performance of investment grade debt publicly issued in the major domestic and Eurobond markets, including sovereign, quasi-government, corporate, securitized, and collateralized securities, excluding all securities denominated in US dollars.</td> </tr> </table> <h4>Cash:</h4> <table class="equityTable"> <tr> <td scope="row">ICE BofA U.S. Treasury Bill 3 months</td> <td>ICE BofAUS 3-Month Treasury Bill Index is comprised of a single issue purchased at the beginning of the month and held for a full month. At the end of the month that issue is sold and rolled into a newly selected issue. The issue selected at each monthend rebalancing is the outstanding Treasury Bill that matures closest to, but not beyond, three months from the rebalancing date. To qualify for selection, an issue must have selected on or before the month-end rebalancing date.</td> </tr> </table> <p>Note: Indices are used for illustrative purposes only, are unmanaged, include the reinvestment of dividends, and do not reflect the impact of management or performance fees. Indices do not represent actual individual accounts. One cannot invest directly in an index.</p> <h4>Model Portfolio Hypothetical Risk/Return</h4> <p>The model assumes that annual discrete returns are normally distributed. The discrete return is the appreciation/depreciation of the portfolio in any given year.</p> <p>The hypothetical annual expected returns and standard deviations (hypothetical annual risk) are derived using CIO's capital market assumptions and strategic asset allocations and given in the table below (Exhibit 1) for each model portfolio.</p> <p>The probabilistic analyses contained in this tool uses forward-looking rates of return developed by CIO and are presented for informational purposes only.</p> <h4 style="text-align:center;"><strong>Strategic Asset Allocations including Stocks, Bonds, and Cash</strong></h4> <table class="riskTable"> <thead> <tr> <th> </th> <th scope="col">Conservative</th> <th scope="col">Mod. Conservative </th> <th scope="col">Moderate </th> <th scope="col">Mod. Aggressive </th> <th scope="col">Aggressive </th> </tr> </thead> <tbody> <tr> <td scope="row">U.S. Large Cap Growth</td> <td style="text-align:center;">7%</td> <td style="text-align:center;">12%</td> <td style="text-align:center;">17%</td> <td style="text-align:center;">22%</td> <td style="text-align:center;">27%</td> </tr> <tr> <td scope="row">U.S. Large Cap Value</td> <td style="text-align:center;">8%</td> <td style="text-align:center;">14%</td> <td style="text-align:center;">20%</td> <td style="text-align:center;">26%</td> <td style="text-align:center;">31%</td> </tr> <tr> <td scope="row">U.S. Small Cap Growth</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">2%</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">4%</td> </tr> <tr> <td scope="row">U.S. Small Cap Value</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">2%</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">4%</td> </tr> <tr> <td scope="row">International Equity</td> <td style="text-align:center;">5%</td> <td style="text-align:center;">8%</td> <td style="text-align:center;">11%</td> <td style="text-align:center;">14%</td> <td style="text-align:center;">16%</td> </tr> <tr> <td scope="row">Emerging Markets</td> <td style="text-align:center;">2%</td> <td style="text-align:center;">4%</td> <td style="text-align:center;">6%</td> <td style="text-align:center;">7%</td> <td style="text-align:center;">9%</td> </tr> <tr> <td scope="row">U.S. Governments</td> <td style="text-align:center;">17%</td> <td style="text-align:center;">17%</td> <td style="text-align:center;">13%</td> <td style="text-align:center;">8%</td> <td style="text-align:center;">3%</td> </tr> <tr> <td scope="row">U.S. Mortgages</td> <td style="text-align:center;">12%</td> <td style="text-align:center;">13%</td> <td style="text-align:center;">10%</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">0%</td> </tr> <tr> <td scope="row">U.S. Corporates</td> <td style="text-align:center;">17%</td> <td style="text-align:center;">16%</td> <td style="text-align:center;">13%</td> <td style="text-align:center;">11%</td> <td style="text-align:center;">5%</td> </tr> <tr> <td scope="row">U.S. High Yield</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">2%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">0%</td> </tr> <tr> <td scope="row">International Fixed Income</td> <td style="text-align:center;">22%</td> <td style="text-align:center;">10%</td> <td style="text-align:center;">3%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">0%</td> </tr> <tr> <td scope="row">Cash</td> <td style="text-align:center;">5%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">1%</td> <td style="text-align:center;">1%</td> </tr> <tr> <td scope="row">Expected Return (Arithmetic)</td> <td style="text-align:center;">6.0%</td> <td style="text-align:center;">7.1%</td> <td style="text-align:center;">8.2%</td> <td style="text-align:center;">9.4%</td> <td style="text-align:center;">10.4%</td> </tr> <tr> <td scope="row">Expected Risk (Arithmetic)</td> <td style="text-align:center;">5.3%</td> <td style="text-align:center;">7.6%</td> <td style="text-align:center;">10.3%</td> <td style="text-align:center;">13.1%</td> <td style="text-align:center;">15.7%</td> </tr> </tbody> </table> <h4>Exhibit 1</h4> <p>These are the hypothetical statistics used by the Monte-Carlo simulation engine to generate normally distributed returns in a given year under a given scenario. That is, the portfolio returns are normally distributed with the mean and standard deviations given in Exhibit 1.</p> <p><strong>The projections or other information shown in this report regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. You should carefully review the explanation of the methodology used, including key assumptions, which is provided in this report.</strong></p> <p><strong>Hypothetical performance results have inherent limitations. There are frequently sharp differences between hypothetical and actual performance results subsequently achieved by any particular trading strategy. Hypothetical performance results do not represent actual trading and are generally designed with the benefit of hindsight.</strong></p> <p><strong>FOR INFORMATIONAL PURPOSES ONLY. Performance of CIO Asset Allocation Guidelines is intended to illustrate the effect of asset allocation and diversification. It is not an advertisement or representation of any investment advisory products or services offered by Merrill.</strong></p> <p>Probabilistic (Monte Carlo) modeling is a statistical modeling technique in which a set of future outcomes are forecast based on the variability or randomness associated with historical occurrences. In this report, a probabilistic approach issued to determine the likelihood that you may be able to achieve your stated goals and to identify a range of potential wealth outcomes that could be realized. It involves generating thousands of scenarios, each simulating the growth of assets over a specified period of time, taking into account a variety of factors, such as economic conditions, the allocation of assets, portfolio value, cash flow and market volatility. The analysis presented is not a guarantee, prediction or projection of any particular result and actual results may vary materially. Rather, this analysis is directional in nature and can be used to help you evaluate how certain decisions or strategies may impact your ability to achieve your goals.</p> <p>The five model portfolios are constructed based on investment objectives and risk tolerances. The simulated portfolio risk and return figures in Exhibit 1 represent assumptions and hence should not be viewed as predictions or guarantees of future performance.</p> <h4>Personal Retirement Number</h4> <p>The personal retirement number is defined as an estimate on your input, of the assets needed at retirement to replace 85% (or selected percentage) of your pre-retirement income that keeps pace with inflation before taxes for the duration of your planning horizon which is assumed to be age 98 for all users unless a different age is specified.</p> <p>The personal retirement number, or retirement goal, is based on purchasing a hypothetical annuity with a discount rate (return) of 6.7% which will last through retirement. The need for retirement income is assumed to last through the user's projected planning horizon which is assumed to be age 98 unless a different age is specified.</p> <p>The user's current annual income is assumed to grow until retirement age at the salary rate (current default is 2.44% annually) and the inflation rate (current default is 2.44%, both of which can be adjusted. 85% (or your selected percentage) of the pre-retirement annual income, adjusted for inflation, is then used as the amount needed during retirement.</p> <h4>Social Security</h4> <p>A full retirement age of 67 is assumed for Social Security benefits even if a different retirement age is specified.</p> <p>The social security benefits estimate uses wage growth projections obtained from the Social Security Administration (SSA).</p> <p>Social Security benefits are only computed for the first year of retirement. Since this amount reduces the annual retirement income needed while computing the retirement goal, it is assumed that benefits grow at the same rate as inflation.</p> <h4>Length of Savings</h4> <p>"Savings may last until age: x-y." This projects the age range at which you will run out of retirement funds based on your projected withdrawal schedule given your current progress under average market performance and poor market performance. The default withdrawal schedule is set to replace 85% (or your selected percentage) of your estimated pre-retirement income before taxes.</p> <h4>Action Plan – Increase in Monthly Contributions</h4> <p>Increase in monthly contribution is calculated by taking the gap between your current progress towards your personal retirement number under poor market performance and average market performance and calculating how much you would need to save additionally every month to bridge that gap by your desired retirement age. This is calculated using the Monte Carlo simulation method (see paragraphs 2 through 4) used to calculate your current projected balances.</p> <p>The resulting increase in retirement balances is calculated by subtracting your current progress under average market performance and poor market performance from your personal retirement number.</p> <h4>Life Expectancy</h4> <p>Source: IRS single life expectancy table of a 65 year old (32.9) + 10 years. Department of the Treasury, Internal Revenue Service, Federal Register / Vol. 85, No. 219, pages 72477-8 (Table 1) [PDF pages 667-8/741] (Table in Appendix B in publication Federal Register / Vol. 85, No. 219 Rules and Regulations / page 45.</p> <h4>No Guarantee of Results</h4> <p>Because the results of the tool's assumptions are based on numerous factors that make the calculations uncertain and because the tool does not take into consideration a number of important factors, whether you are deemed to have a shortfall or to be on track to reach your personal retirement number, neither Bank of America Corporation nor this tool can guarantee that you will have sufficient income or assets to meet your financial needs throughout your retirement.</p> <p><a href="#methodsAnchor" id="methodsLink1a"class="show-hide-inner" aria-expanded="true">Close calculator methodology details</a></p> </div> <div id="MapNumber" class="pt-20">MAP6648595-11282025</div> </div> <script> // Script to prepend correct environments to MLD and MGI links $GE.JQ(function() { var str1 = "merrilledgesit1.com"; var str2 = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; var mgiurl = "https://oaui.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fssit1.ml.com"; mgiurl = "https://oaui.fssit1.ml.com"; } else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; mgiurl = "https://oaui.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; mgiurl = "https://oaui.fsqa.ml.com"; } $('a.mldLink').attr('href', function(i, href) { return myurl + href; }); $('a.mgiLink').attr('href', function(i, href) { return mgiurl + href; }); }); </script>  <script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","name":"Retirement Calculator: How Much Do I Need To Retire?","url":"https://www.merrilledge.com/retirement/personal-retirementcalculator"," description":"Use our personal retirement calculator to find out how much you may need to retire and if you're on track for the retirement that you want.","image":"https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg","keywords":"retirement calculator,retirement savings calculator,how much do i need to retire calculator,wfid24920828","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"How much do I need to retire?", "acceptedAnswer":{"@type":"Answer","text":"<p>There is no single retirement target that covers everyone, it depends on what you expect your retirement to look like. The rule of thumb is to have enough to draw down 80% to 90% of your pre-retirement income. Or, a simple formula, like saving 12 times your preretirement salary is also a good rule of thumb. Get informative retirement planning tips and discover how, when, and <a href='https://www.merrilledge.com/article/how-much-do-you-really-need-to-save-for-retirement'>how much to save for retirement</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How can I retire early?", "acceptedAnswer":{"@type":"Answer","text":"<p>Start picturing your retirement needs early in life and start saving, even if you start small. Time is an asset, so use it wisely. Begin contributing to your 401(k) up to any employer match as soon as you can. Also, open an IRA. In addition to a company sponsored 401(k), you may be eligible to contribute to a traditional or Roth IRA. 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Developing a retirement income strategy is key to having a retirement income, whether it be a drawdown strategy, annuities for predictable income, and/or another vehicle. <a href='https://www.merrilledge.com/guidance/retired/retirement-income-strategy'>Learn about developing a retirement income strategy</a>."}},{"@context":"https://schema.org","@type":"Question","name":"How long will my money last in retirement?", "acceptedAnswer":{"@type":"Answer","text":"That depends on your spending needs and how much you have saved. Without a paycheck, you'll need other sources of income. Develop a retirement income strategy, create a retirement budget, plan for, and manage healthcare costs and prioritize your financial goals."}},{"@context":"https://schema.org","@type":"Question","name":"Where should I retire?", "acceptedAnswer":{"@type":"Answer","text":"Deciding where you want to live in retirement is more than a lifestyle choice. Should you sell or keep your family home? As you think about where to live, consider potential expenses like home renovations (entrance ramp, stair lift, walk-in tub, or shower), tax implications, the cost of living in a retirement community, or the cost of relocating all together."}},{"@context":"https://schema.org","@type":"Question","name":"When can I retire?", "acceptedAnswer":{"@type":"Answer","text":"<p>That depends. Everyone's needs and wants in retirement are different. Start saving early so you have choices when nearing retirement. Use the <a href='https://www.merrilledge.com/retirement/personal-retirement-calculator'>Merrill Personal Retirement Calculator</a> to estimate how much you will need to retire by modeling different scenarios.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"What are the best ways to save for retirement?", "acceptedAnswer":{"@type":"Answer","text":"<p>A quarter of working Americans have nothing saved for retirement. 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Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales 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. To learn more about Merrill pricing, visit <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> 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. 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Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.</strong></p> <p>Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.</p> <p>Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.</p> <p>Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.</p> <p><strong><em>Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.</em></strong></p> <p><strong>Expense Ratio</strong> – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. 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var params = []; params[0] = {}; params[0].type = "dart"; params[0].ddoData = { "standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]}; $GE.Tagging.updateDDO(params); } } } /* ]]> */</script></span> <span id="ctl00_ctl00_ctrlLiveTextChat"></span><script type="text/javascript" language="javascript"> Sys.Application.add_load(function(){ if(typeof $GE!="undefined" && $GE!=null) { var options = { "SITE_ID": "OSE", "LANGUAGE": "ENGLISH" }; var KeyValuePair = { "ME_SALES_CHAT" : "Y" }; var tcChatSession = $GE.initChat(options); tcChatSession.setChatParam(KeyValuePair); //For custom data pass } }); </script> <script type="text/javascript"> //<![CDATA[ var vWSODChartAPIName ="/net/WidgetAPI/GetWidgets";//]]> </script> <script language='javascript' type='text/javascript'>var PlatformPaths=new Object();PlatformPaths.SVEVirtualPath='/sve/p/TM/FolderVersionNotFound/default'; PlatformPaths._runLookupPath='/sve/pages/RunLookup.aspx?RUN='; PlatformPaths._hasXssCharMappings=true; PlatformPaths._xssCharsEncodeMappings={"'": '@','\\#': '[ge_hs_ge]',';': '[ge_sc_ge]','\$': '[ge_op_ge]','\$': '[ge_cp_ge]','"': '[ge_qt_ge]','\\+': '[ge_pl_ge]'}; PlatformPaths._xssCharsDecodeMappings={"'": '@','#': '\\[ge_hs_ge]',';': '\\[ge_sc_ge]','(': '\\[ge_op_ge]',')': '\\[ge_cp_ge]','"': '\\[ge_qt_ge]','+': '\\[ge_pl_ge]'}; PlatformPaths._CurrentPageResource=''; PlatformPaths._ContextaulServicePath='/m/cse/uiservices/PlatformControlService.asmx'; PlatformPaths._ContextaulWebMethodName='ContextaulGlossaryData'; PlatformPaths._csehWSPath='/M/CSE/UIServices/ErrorLogging.asmx'; PlatformPaths._siteHelpPath=''; PlatformPaths._keepAliveUrl=''; PlatformPaths._newPingURL='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_PING2'; PlatformPaths._helpModalUrl='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_ECMS_MODAL?Type=PageHelp_personal-retirement-calculator'; PlatformPaths._downloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_FILEDOWNLOADHELPER'; PlatformPaths._unAuthDownloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_UNAUTHFILEDOWNLOADHELPER'; PlatformPaths.autoCompleteInterval='1500'; PlatformPaths.interstitialSettings='{"StateColl":{"State":{}},"CurrentExperience":"Default","CurrentSite":"TM","PopupUrl":"https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GEDPU_GE_INTERSITEALERT","PopupTitle":null,"PopupTimerMs":5000,"MldFqdn":"olui2.fs.ml.com","MldoaFqdn":"","VendorEnts":{"MLD":false,"OLB":false,"MLDOA":false,"BROKERCHECK":false,"BROADRIDGE":false},"IsMldToggleEnabled":false}'; PlatformPaths.isSDB=false; PlatformPaths.enableClientSideSetMode='false'; PlatformPaths._isUserImpersonated=false; PlatformPaths._isCobrowseApplicable=true; PlatformPaths._cobrowseScriptPath='/sve/js/v4/vendor/launcher.js?TIMESTAMP'; PlatformPaths._globalHoverQuoteID='ctl00_ctl00_siteContent_globalHoverQuote'; PlatformPaths._controlServicePath='/m/cse/uiservices/PlatformControlService.asmx'; </script> <script type="text/javascript"> //<![CDATA[ Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlBrowser"}, null, null, $get("ctl00_ctl00_siteContent_cctlBrowser")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlLogo"}, null, null, $get("ctl00_ctl00_siteContent_cctlLogo")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlUtilityLinks"}, null, null, $get("ctl00_ctl00_siteContent_cctlUtilityLinks")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":1,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_globalHoverQuote")); }); Sys.Application.add_init(function() { $create(Sys.Extended.UI.TextBoxWatermarkBehavior, {"ClientStateFieldID":"ctl00_ctl00_siteContent_glQte__ClientState","WatermarkText":"Get Quote","id":"ctl00_ctl00_siteContent_glQte_ctl01"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {"FirstColumnDataField":"Symbol","RunMode":0,"SecondColumnDataField":"Description","StringResources":"{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. Please try again.\",\"STES_MULTIPLE_MATCHES\":\"{0:###,###,##0} Match{1} Found\"}","acDelay":1500,"appID":"GQ","completionInterval":1500,"completionListCssClass":"quote_completionListElement","completionListHeight":"250px","completionListItemCssClass":"quote_listItem","completionListItemFirstColumnCssClass":"quote_listItem_firstColumn","completionListItemFooterCssClass":"quote_headerrow","completionListItemSecondColumnCssClass":"quote_listItem_secondColumn","completionSetCount":20,"delimiterCharacters":"","headerRowCssClass":"quote_listItem quote_headerrow","highlightedItemCssClass":"quote_highlightedListItem","id":"bAutoComp","isAutoCompOnPopup":false,"minimumPrefixLength":1,"serviceMethod":"GetSymbolAutoComplete","servicePath":"/m/cse/uiservices/PlatformControlService.asmx","showFooterLink":true,"showFooterLinkByCount":false,"symbolLookupRunParam":"RUN_RISymbolLookUpUI_VendorSymbolLookUp"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":0,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_glQte_GlobalQuote1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {"Configuration":"{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}","Data":"","VisibleCloseLink":true,"id":"ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext")); }); Sys.Application.add_init(function() { $create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.MegaNavMenu, {"ApplyNavigationMatrixRule":true,"MegaNavData":"","MegaNavMode":"Default","MegaNavTargetElements":"[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]","MegaNavTargetMenuId":"siteNav","RenderMode":0,"hiddenMegaNavDataElements":"[]"}, null, null, $get("MegaNavMenu1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ecphL2HeaderZone\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","location","cphL2HeaderZone","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","location","phZone1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","location","phZone2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone5\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","location","phZone5","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone6\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","location","phZone6","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"personal-retirement-calculator","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_ME_Disclaimer","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003epersonal-retirement-calculator\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","personal-retirement-calculator","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlFooter"}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags")); }); //]]> </script> </form> </body> </html>