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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 Accounts</div><ul id="colSub3OAA" class="nl-a" style="left:;"><li id="nav1_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Small Business 401(k)</a></li><li id="nav2_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Individual 401(k)</a></li><li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA">SEP IRA</a></li><li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA">SIMPLE IRA</a></li><li id="nav5_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/BIAAccountApplicationandAgreement.pdf">Business Investor Account</a></li></ul><div id="headCol3OAA" class="heading mt-30" style="left:;">Simple Flat-Rate Pricing</div><ul id="col3OAA" class="nl-a" style="left:;"><li id="nav1_col3OAA" class="" style="left:;"><a href="/pricing">lnvesting Costs & Fees</a></li></ul></div></div></div></div> </div> <div id="dvClearHeader">  </div> <div id="contentArea" > <div class="site-stage"> <input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="building-wealth" /><input name="ctl00$ctl00$siteContent$MainContent$LogicalPageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_LogicalPageNameField" value="building-wealthLifeStages" /><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div class="pt-wrap"><div id="dvPageTitle"><div id="ctl00_ctl00_siteContent_MainContent_cphL2HeaderZone" class="cphL2HeaderZone"> </div></div></div></div><div id="zonecontainer" class="zt-f" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div id="zone1" 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url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-purch-short-term-savings-calc.jpeg); } #ecFam01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-6-tips-happy-marriage.jpeg); } #ecFam02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-getting-married-checklist.jpeg); } #ecFam03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-marriage-equality.jpeg); } #ecFam04 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-cash-flow-calc.jpeg); } #ecFam05 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-having-a-baby-checklist.jpeg); } #ecFam06 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-budgeting-for-baby.jpeg); } #ecFam07 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-education-savings.jpeg); } #ecFam08 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-college-planning-calc.jpeg); } #ecFam09 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-getting-divorced-checklist.jpeg); } #ecFam10 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-divorce-and-finances.jpeg); } #ecFam11 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-what-to-know-loved-one-passes.jpeg); } #ecFam12 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-what-happens-if-spouse-dies.jpeg); } #ecFam13 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-life-services.jpeg); } #ecFam14 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-handling-new-wealth-checklist.jpeg); } #ecFam15 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-beneficiary-of-trust.jpeg); } #ecFam16 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-make-most-of-inheritance.jpeg); } #ecHealth01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-health-caring-for-sick-or-elderly.jpeg); } #ecHealth02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-health-caregivers-financial-guide.jpeg); } #ecHealth03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-life-services.jpeg); } a.eventsCard:hover, .eventsCardFlex > a:active { box-shadow: 0 2px 5px 0 rgba(0,0,0,0.20); text-decoration:none; } a.eventsCard.placeholder { padding:0; min-height:1px; max-height:1px; margin:0; visibility:hidden; } a.eventsCard h4 { color:#000; line-height:1.4; font-family:arial, helvetica, sans-serif; font-size:20px; font-weight:400; margin:0 0 30px 0; } .ecType { align-items:center; background-position:left center; background-repeat:no-repeat; color:#646464; display:flex; font-size:12px; margin:auto 0 0 0; padding:0 0 0 20px; } .ecType.article { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-article.png); } .ecType.audiocast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-podcast.png); } .ecType.podcast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-podcast.png); } .ecType.report { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-article.png); } .ecType.video { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-video.png); } .ecType.webcast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-webinar.png); } .ctaShell { padding:96px 0; } .wrapper-2 .ctaShell h2 { padding:0 0 40px 0; } .ctaFlex { display:flex; justify-content:center; gap:24px; } .ctaFlex a { background-repeat:no-repeat; border:1px solid #d5d5d5; box-sizing:border-box; color:#000; display:flex; flex-direction:column; max-width:400px; min-height:282px; padding:104px 32px 40px 32px; text-align:center; width:100%; } .ctaFlex a:hover { text-decoration:none; } #ctaBoA { background-image:url(/Publish/Content/image/svg/GWMOL/logo-BoA-flag-only.svg); background-position:center 42px; background-size:60px auto; } #ctaMerrill { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png); background-position:center 36px; background-size:48px auto; } #ctaAppt { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calendar-scalable.png); background-size:40px 40px; background-position:center 39px; } .wrapper-2 .ctaFlex h3 { font-size:20px; font-weight:500; margin:0 0 10px 0; } .ctaText { line-height:1.5; padding:0 0 35px 0; } .ctaLink { margin:auto 0 0 0; color:#0053C2; } .ctaLink:hover { text-decoration:underline; } .osChoices { padding:96px 20px; text-align:center; } .wrapper-2 .osChoices h2 { padding: 0 0 40px 0; } .osChoicesLinks { display:flex; flex-wrap:wrap; gap:20px; justify-content:center; margin:0 auto; } .osChoicesLinks a { border:1px solid #012169; border-radius:20px; box-sizing:border-box; color:#012169; display:inline-block; font-size:20px; height:40px; line-height:40px; padding:0 24px; text-align:center; } .osChoicesLinks a:hover { background-color:#0053C2; border-color:#0053C2; color:#fff; text-decoration:none; } #etdisclosure { display: block; font-size: 14px; color: #646464; padding:30px 0; } #etfooter { display: none; } .dtable { border: 0 none; margin: 10px 0 0 0; padding: 0; table-layout: auto; width: 100%; } .dtable tbody td { border: 1px solid #524940; padding: 10px 5px; font-size: 13px; font-weight: bold; text-align: center; vertical-align: middle; width: 33%; } @media only screen and (max-width: 1325px) {/* viewport up to 1325px */ .buildBanner { background-position:right -115px top 0; } .wrapper-3 { padding:0 40px; } .fiftyRule { padding:50px 0 0 40px; } .findBudget { padding:0 40px 0 0; } } @media only screen and (max-width: 1200px) {/* viewport up to 1200px */ .knowFlex { flex-direction:column; gap:12px; } .knowHL { display:block; } .knowText { max-width:760px; text-align:center; } .eventsNav { width:40%; } .eventsContent { width:60%; } } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #TMoseSiteheader { display: none; } #ctl00_ctl00_siteContent_navHeader { display: none; } .wrapper-3 { padding:0 20px; } .wrapper-3.twentyFour { padding:0 24px; } .wrapper-2 h2 { font-size:28px; } .wrapper-2 h3 { margin:0 0 10px 0; } .buildBanner { padding:40px 0 0 0; } .buildBanner h1 { font-size:36px; } .buildBannerText { width:36%; } .tabsPrice { gap:25px; } .contentTab { height:40px; font-size:12px; line-height:40px; } #content1Tab, #content2Tab, #content3Tab, #content4Tab { width:auto; } .contentTab.selected::after { height:2px; border-bottom:2px solid #012169; } .mobileMenu { margin:0 auto 60px auto; } .contentShell { padding:60px 0 0 0; } .contentFlex { flex-direction:column; gap:40px; padding:0 0 60px 0; } .width612, .width564 { width:auto; } .contentFlex.nav { padding:0 0 50px 0; } .contentFlex.sliderMods { gap:0; } .textMod { order:1; } .imgMod { order:2; } .wrapper-2 .budgetMod h4 { font-size:14px; } .budgetMod.active h4 { padding:0 0 5px 0; } .eventsShell { padding:60px 0; } .eventsIntro { padding:0 0 40px 0; } .eventsFlex { flex-direction:column; } .eventsNav, .eventsContent { width:100%; } .eventsNav { padding:6px 24px 4px 24px; } a.eventsHL { font-size:14px; padding:12px 0; } a.eventsHL.opened { padding:12px 0; } a.eventsTopic { font-size:14px; padding:0 0 12px 0; } a.eventsTopic:last-of-type { padding:0 0 16px 0; } .wrapper-2 .eventsInfo h3 { font-size:20px; } .eventsText { font-size:16px; } .ctaShell { padding:60px 0; } .ctaFlex { align-items:center; flex-direction:column; gap:12px; } .ctaFlex > a { max-width:390px; min-height:212px; padding:32px 24px 32px 88px; text-align:left; } #ctaBoA { background-image:url(/Publish/Content/image/svg/GWMOL/logo-BoA-flag-only.svg); background-position:18px 59px; background-size:50px auto; } #ctaMerrill { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png); background-position:24px 54px; background-size:40px auto; } #ctaAppt { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calendar-scalable.png); background-size:34px 34px; background-position:26px 56px; } .ctaText { padding:0 0 16px 0; } .osChoices { padding:60px 20px; } .wrapper-2 .osChoices h2 { padding: 0 0 25px 0; } .osChoicesLinks { gap:12px; } .osChoicesLinks a { font-size:14px; height:32px; line-height:32px; padding:0 16px; } #etfooter { display: block; font-size: 12px; color: #524940; background: #f0f0f0; padding: 30px 20px 30px 20px; } #dvFooter { display: none; } } @media only screen and (max-width: 870px) {/* viewport up to 870px */ .buildBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-banner-bg-tablet.jpeg); background-position:right top; height:510px; } .buildBannerText { width:100%; } } @media only screen and (max-width: 795px) {/* viewport up to 795px */ .eventsCardFlex { box-sizing: border-box; flex-wrap:nowrap; margin:0 -16px 0 -20px; overflow-x: auto; padding:20px; position:relative; } a.eventsCard { min-width:368px; } .scrollNavShell { display:block; position:relative; } .scrollNav { position:absolute; top:-15px; right:0; } .scrollNav a { background-repeat:no-repeat; background-size:9px auto; display:inline-block; height:15px; width:9px; } .scrollNav a:first-of-type { margin:0 40px 0 0; } .scrollNav a:hover { text-decoration:none; } .scrollNav a.left { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-left.png); } .scrollNav a.right { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-right.png); } .scrollNav a.left:hover { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-left-blue.png); } .scrollNav a.right:hover { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-right-blue.png); } } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .linkDesk { display: none; } .linkMobile { display: inline; } .shareDesk { display: none; } .shareMobile { display: block; } .wrapper-3 { padding:0 12px; } .wrapper-3.twenty { padding:0 20px; } .textMod { padding:0 8px; } .knowFlex { align-items:flex-start; padding:0 0 60px 0; } .wrapper-2 .knowHL h3 { background-position:6px 0; background-size:20px auto; font-size:28px; padding:0 0 0 40px; white-space:normal; } .knowText { padding:0 0 0 40px; text-align:left; } #etfooter { padding: 20px; } } @media only screen and (max-width: 640px) {/* viewport up to 640px */ .tabsPrice { justify-content:flex-start; } .bubbles { height:238px; width:304px; } .bubbles.single { height:auto; } a.bubble { font-size:14px; height:132px; transform: scale(0.83); /* 83% of the original size */ width:132px; } a.bubble > div { background-size:auto 28px; padding:35px 0 0 0 } .b2 { top:0; left:auto; bottom:auto; right:0; } .b3 { top:auto; bottom:0; left:0; right:0; margin:auto; } a.bubble.active > div, a.bubble:hover > div { background-size:36px auto; padding:45px 0 0 0 } .bubbleSolo { font-size:14px; height:132px; width:132px; } .bubbleSolo > div { background-size:auto 38px; padding:45px 0 0 0; } .bubbleSolo.balance > div { margin:0; } .imgMod img.desk { display:none; } .imgMod img.mobile { display:block; max-width:351px; } .imgMod .imgIRA, .shadowBox.imgIRA img.mobile, .imgMod.hsa img.mobile { max-width:374px; } .imgMod .imgPie { padding:24px 12px; } .imgMod .imgPie img.mobile { max-width:360px; } .imgMod.imgMax img.mobile { max-width:342px; } } @media only screen and (max-width: 480px) {/* viewport up to 480px */ .buildBanner { padding:40px 0 0 0; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .buildBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-banner-bg-mobile.jpeg); } .buildBannerText { max-width:250px; } .contentFlex.nav > div { text-align:center; } .contentText.ctShort { margin:0 auto; max-width:370px; } } @media only screen and (max-width: 412px) {/* viewport up to 412px */ a.eventsCard { min-width:100%; } } @media only screen and (max-width: 390px) {/* viewport up to 390px */ .wrapper-3.twentyFour, .wrapper-3.twenty { padding:0 12px; } .budgetText { font-size:12px; } .textMod { padding:0; } .eventsCardFlex { margin:0 -11px; padding:20px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .buildBanner { background-position:right -10px top 0; } .knowHL h3 { font-size:7.7vw; } .wrapper-2 .ctaShell h2 { font-size:7.7vw; } .ctaFlex a { min-height:100px; padding:32px 16px 32px 62px; } .ctaFlex a > div { font-size:14px; } .wrapper-2 .ctaFlex h3 { font-size:16px; } #ctaBoA, #ctaMerrill, #ctaAppt { background-size:30px auto; background-position:16px 44px; } } @media only screen and (max-width: 320px) {/* viewport up to 320px */ } </style> <script> // Preloads background images var pic01 = new Image(); var pic02 = new Image(); var pic03 = new Image(); var pic04 = new Image(); var pic05 = new Image(); var pic06 = new Image(); var pic07 = new Image(); var pic08 = new Image(); var pic09 = new Image(); var pic10 = new Image(); var pic11 = new Image(); var pic12 = new Image(); var pic13 = new Image(); var pic14 = new Image(); var pic15 = new Image(); var pic16 = new Image(); var pic17 = new Image(); var pic18 = new Image(); var pic19 = new Image(); var pic20 = new Image(); var pic21 = new Image(); var pic22 = new Image(); var pic23 = new Image(); var pic24 = new Image(); pic01.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable.png"; pic02.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable-white.png"; pic03.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable-white.png"; pic04.src="/Publish/Content/image/png/GWMOL/ME-caret-blue-10x16-left.png"; pic05.src="/Publish/Content/image/png/GWMOL/ME-caret-blue-10x16-right.png"; pic06.src="/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-left.png"; pic07.src="/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-right.png"; pic08.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-people-family-scalable.png"; pic09.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-people-family-scalable-white.png"; pic10.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-health-shield-scalable-white.png"; pic11.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-ME-icon-rebrand-savings-piggy-bank-scalable-white.png"; pic12.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-retirement-24x24-grey.png"; pic13.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-card-24x24.png"; pic14.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-alert-24x24.png"; pic15.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24.png"; pic16.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-people-family-24x24-grey.png"; pic17.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-sign-edit-24x24.png"; pic18.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-document-24x24.png"; pic19.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-24x24.png"; pic20.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-online-24x24.png"; pic21.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-insurance-24x24-grey.png"; pic22.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-medical-24x24.png"; pic23.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-home-24x24.png"; pic24.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-people-man-24x24.png"; // Calls the contribution limits modal function contribs() { if (window.matchMedia('(min-width: 768px)').matches) { javascript: OnlineCommonJSFunctions.LoadModalPopupByUrl('/contribution-limit-modal', null, 360, 575, null, null, 'modal2', true, 'pageMask2'); return false; } else { window.open('/contribution-limit-modal', '_blank'); } } $GE.JQ(function() { // Main tabs script $(".contentTab").on("click keypress", function() { if (event.type == "click" || event.type == "keypress" && event.which == 13) { var tabID = ($(this).attr('id')); var tabClass = tabID.slice(0, -3); console.log(tabID); console.log(tabClass); $('.contentTab').not(tabID).removeClass('selected'); $('.contentTab#' + tabID).addClass('selected'); $('.contentTab').not(tabID).attr('aria-selected','false'); $('.contentTab#' + tabID).attr('aria-selected','true'); $('.contentShell').not(tabClass).addClass('hide').removeClass('show'); $('.contentShell.' + tabClass).addClass('show').removeClass('hide'); } }); // Changes arrow color for Bubble carousel items if ($('.dotFirst').hasClass('active')) { $('.dotFirst').parent().find('.arrow.left').addClass('ending'); } else { $('.dotFirst').parent().find('.arrow.left').removeClass('ending'); } $('a.bubble, .arrow, .dot').click(function () { if ($('#dot1').hasClass('active')) { $('#dot1').parent().find('.arrow.left').addClass('ending'); } else { $('#dot1').parent().find('.arrow.left').removeClass('ending'); } if ($('#dot3').hasClass('active')) { $('#dot3').parent().find('.arrow.right').addClass('ending'); } else { $('#dot3').parent().find('.arrow.right').removeClass('ending'); } if ($('#dot1a').hasClass('active')) { $('#dot1a').parent().find('.arrow.left').addClass('ending'); } else { $('#dot1a').parent().find('.arrow.left').removeClass('ending'); } if ($('#dot3a').hasClass('active')) { $('#dot3a').parent().find('.arrow.right').addClass('ending'); } else { $('#dot3a').parent().find('.arrow.right').removeClass('ending'); } }); // "Steps" module accordions $(".budgetMod").on("click keypress", function() { if (event.type == "click" || event.type == "keypress" && event.which == 13) { $(this).toggleClass('active') if ($(this).hasClass('active')) { $(this).attr('aria-expanded','true'); $(this).find('.budgetText').attr('aria-hidden','false'); } else { $(this).attr('aria-expanded','false'); $(this).find('.budgetText').attr('aria-hidden','true'); } } }); // Life Events topic accordions $('a.eventsHL').on('click', function (event) { var headlineID = ($(this).attr('id')); var contentID = headlineID.slice(0, -2); console.log(headlineID); console.log(contentID); $('.enContent.' + contentID).toggle('slow'); $(this).toggleClass('opened closed'); if ($(this).hasClass('opened')) { $(this).attr('aria-expanded', 'true'); $('.enContent.' + contentID).attr('aria-hidden', 'false'); } else { $(this).attr('aria-expanded', 'false'); $('.enContent.' + contentID).attr('aria-hidden', 'true'); } }); // Life Events topic selection $('a.eventsTopic').on('click', function (event) { var eventsID = ($(this).attr('id')); var infoID = eventsID.slice(0, -5); console.log(eventsID); console.log(infoID); $(this).addClass('selected'); $('a.eventsTopic').not(this).removeClass('selected'); $('a.eventsTopic').find('.coda').html(' topic'); $(this).find('.coda').html(' topic selected'); $('.eventsInfo').not(infoID).addClass('hide').removeClass('show'); $('.eventsInfo.' + infoID).addClass('show').removeClass('hide'); }); // Scrolls Life Events cards left $('a.left').on('click', function (event) { var leftID = ($(this).attr('id')); var scrollID = leftID.slice(0, -4) + 'ECF'; console.log(leftID); console.log(scrollID); $('#' + scrollID).animate({ scrollLeft: "-=386px" }, "slow");; }); // Scrolls Life Events cards right $('a.right').on('click', function (event) { var rightID = ($(this).attr('id')); var scrollID = rightID.slice(0, -5) + 'ECF'; console.log(rightID); console.log(scrollID); $('#' + scrollID).animate({ scrollLeft: "+=386px" }, "slow"); }); // Turns off mobile width scrolling for solo Life Events cards $('.eventsCardFlex').each(function() { var ecfID = ($(this).attr('id')); var cardNum = $('#' + ecfID + ' a.eventsCard').length; console.log(ecfID); console.log(cardNum); if (cardNum < 2) { $(this).parent().find('.scrollNavShell').css({'display': 'none'}); } }); // Closes "Family," opens "Care Giving," and scrolls to Life Events var pageURL = (window.location.href).toLowerCase(); if (pageURL.indexOf('?care') > 0) { $('#famHL').click(); $('#healthHL').click(); $('#healthCareTopic').click(); window.location.href = '#anchorEvents'; } }); </script>   <style> body:after { position:absolute; width:0; height:0; overflow:hidden; z-index:-1; content: url(/Publish/Content/image/png/GWMOL/acd-c-small-left-white.png) url(/Publish/Content/image/png/GWMOL/acd-c-open.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger.png) 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$(this).find("a").toggleClass("burger-close"); if ($(this).find("a").hasClass("burger-close")) { $(this).find("a").html("<span class='adahidden'>Close Menu bar</span>"); } else { $(this).find("a").html("<span class='adahidden'>Open Menu bar</span>"); } }); // Nested burger menu scripts $('#toc li a.closed, #toc li a.opened').click(function(){ $(this).toggleClass('opened closed'); $(this).next().slideToggle('normal'); if ($(this).hasClass('linkL1') && $(this).hasClass('closed')) { if ($(this).closest('ul').find('a.linkL2').hasClass('opened')) { $(this).closest('ul').find('a.linkL2').addClass('closed').removeClass('opened'); $(this).closest('ul').find('a.linkL2').next().css("display", "none"); $(this).closest('ul').find('a.linkL2').attr("aria-expanded", "false"); $(this).closest('ul').find('a.linkL2').next().attr("aria-hidden", "true"); } } if ($(this).hasClass('opened')) { $(this).attr("aria-expanded", "true"); $(this).next().attr("aria-hidden", "false"); } else { $(this).attr("aria-expanded", "false"); $(this).next().attr("aria-hidden", "true"); } }); // Scripts to prepend correct environments to login link 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) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a#SignIn_header').attr('href', function(i, href) { return myurl + href; }); }); /* $GE.JQ(function() { var is_mobile = false; if( $('#etheader').css('display')!=='none') { is_mobile = true; console.log("Mobile View :: " + is_mobile); } }); */ </script> <div id="etheader"> <div class="menuShell txt-brand"> <div id="mobile-logo"> <div class="site-logo" data-widget="Site Logo"> <a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> <div id="mobile-oao-link"> <a name="mobileHeaderOAO" id="mobileHeaderOAO" href="/global-oao">Open an account</a> </div> <div id="mobile-sign-in"> <a name="SignIn_header" id="SignIn_header" class="mobile-sign-in" href="/login/login.aspx?sgt=3&sitesrc=mobile&_tps=963edc82b68641a49fbca77fd58b2d9b">Login</a> </div> <div id="topmenu"> <a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#"><span class='adahidden'>Open Menu bar</span></a> </div> </div> </div> <div class="spaced"> </div> <div id="toc"> <ul class="mobileNav level1"> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Why Merrill</a> <ul class="level2" aria-hidden="true" id="content-1"> <li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a">How Are We Different?</a> <ul class="level3" aria-hidden="true" id="content-1a"> <li><a name="NavPricing" id="NavPricing" href="/pricing">Pricing & Fees</a></li> <li><a name="NavPR" id="NavPR" href="/preferred-rewards">BofA Preferred Rewards</a></li> <li><a name="NavInsights" id="NavInsights" href="/research/perspectives">Insights</a></li> <li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li> <li><a name="NavMobile" id="NavMobile" href="/mobile-investing">Mobile Investing</a></li> <li><a name="NavESG" id="NavESG" href="/sustainable-investing">Sustainable Investing</a></li> <li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings">Awards & Accolades</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Invest</a> <ul class="level2" aria-hidden="true" id="content-2"> <li><a name="NavInvesting" id="NavInvesting" href="/investing">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a">Ways to Manage Accounts</a> <ul class="level3" aria-hidden="true" id="content-2a"> <li><a name="NavMESD" id="NavMESD" href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</sup> Self-Directed</a></li> <li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li> <li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor">Investing with an Advisor</a></li> <li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments">Compare all</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2b" aria-expanded="false" id="accordion-control-2b">Investment Accounts</a> <ul class="level3" aria-hidden="true" id="content-2b"> <li><a name="NavBrokerage" id="NavBrokerage" href="/investing/brokerage-accounts">General Investing</a></li> <li><a name="NavEdu" id="NavEdu" href="/education-savings">Education Accounts</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2c" aria-expanded="false" id="accordion-control-2c">Investment Products</a> <ul class="level3" aria-hidden="true" id="content-2c"> <li><a name="NavStocks" id="NavStocks" href="/investing/stocks">Stocks</a></li> <li><a name="NavMFs" id="NavMFs" href="/investing/mutual-funds">Mutual Funds</a></li> <li><a name="NavETFs" id="NavETFs" href="/investing/etf">ETFs</a></li> <li><a name="NavFixed" id="NavFixed" href="/investing/fixed-income-bonds">Fixed Income & Bonds</a></li> <li><a name="NavCDs" id="NavCDs" href="/investing/certificate-of-deposit">CDs</a></li> <li><a name="NavOptions" id="NavOptions" href="/investment-products/options">Options</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2d" aria-expanded="false" id="accordion-control-2d">Trading</a> <ul class="level3" aria-hidden="true" id="content-2d"> <li><a name="NavMargin" id="NavMargin" href="/investing/margin-trading">Margin Trading</a></li> <li><a name="NavOEQ" id="NavOEQ" href="/investing/order-execution-trading">Order Execution Quality</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2e" aria-expanded="false" id="accordion-control-2e">Investment Tools</a> <ul class="level3" aria-hidden="true" id="content-2e"> <li><a name="NavIdea" id="NavIdea" href="/idea-builder">Idea Builder</a></li> <li><a name="NavMEMP" id="NavMEMP" class="noborder" href="/dashboard">Merrill Edge MarketPro<sup>®</sup></a></li> </ul> </li> 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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">  <div class="buildBanner"> <div class="wrapper-3 twentyFour"> <h1 class="txt-brand">Peak earning years</h1> <div class="buildBannerText">Most people in their 30s, 40s, and 50s are pursuing multiple goals at the same time, like paying down debt while saving for retirement and a child's education. It's a balancing act that requires careful planning. </div> </div> </div>  <div class="tabsPrice scroll wrapper-3" role="tablist" class="manual"> <div id="content1Tab" class="contentTab selected" type="button" role="tab" aria-selected="true" tabindex="0"> <span class="focus">Balance multiple goals</span> </div> <div id="content2Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Maximize your retirement savings </span> </div> <div id="content3Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Monitor your investments </span> </div> <div id="content4Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Protect your wealth and wishes</span> </div> </div>  <div class="contentShell content1 show" role="tabpanel" aria-labelledby="content1Tab"> <div class="wrapper-3"> <div class="contentFlex nav"> <div class="width612"> <h2>Balance multiple goals</h2> <div class="contentText">These are the years most people are tackling multiple goals, By prioritizing and planning, it's possible to strike a balance.</div> </div> <div class="width564"> <div class="bubbles single"> <div class="bubbleSolo balance"> <div>Balancing<br /> goals </div> </div> </div> </div> </div> <div class="contentFlex budget "> <div class="textMod width564"> <h3>How do you balance it all?</h3> <div class="contentText pb-15">It may not always seem like there's enough money coming in to cover your current expenses and save for future needs. So, how do you juggle competing demands? </div> <div class="contentText pb-30">This framework can help you identify and prioritize your goals within each category so you can create a realistic plan for pursuing them.</div> <div><a class="cta orange m" name="ArtGoals" id="ArtGoals" target="_blank" href="/article/setting-and-prioritizing-financial-goals"><span>Learn more <span class="adahidden"> about balancing financial goals</span></span></a></div> </div> <div class="imgMod width612"> <div class="budgetMod bal1 active" role="button" tabindex="0" aria-expanded="true"> <span class="adahidden">Item 1 of 4</span> <h4>Plan for retirement</h4> <div class="budgetText" aria-hidden="false"> <ol> <li>Make 401(k) contributions to meet your employer match</li> <li>Maximize 401(k) contributions </li> <li>Contribute to an IRA</li> <li>Few or no fees</li> <li>Make catch-up contributions</li> <li>Consider a Health Savings Account (HSA)</li> </ol> </div> </div> <div class="budgetMod bal2" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 2 of 4</span> <h4>Pay down debt</h4> <div class="budgetText" aria-hidden="true">Debts you might consider paying down include high interest credit card debt, car loans, student loans, home equity loans and mortgages. </div> </div> <div class="budgetMod bal3" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 3 of 4</span> <h4>Prepare for the unexpected</h4> <div class="budgetText" aria-hidden="true">Establish an emergency fund, life insurance and insurance for your home and vehicle if applicable. You can also look into long-term care insurance. </div> </div> <div class="budgetMod bal4" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 4 of 4</span> <h4>Other short- and long-term goals </h4> <div class="budgetText" aria-hidden="true">Put some of your savings towards any other goals you might have, like a down payment for a home or your next vacation. </div> </div> </div> </div>  <div class="knowFlex"> <div class="knowHL"> <h3>Make every dollar count</h3> </div> <div class="knowText kt1">Track your spending and look for savings opportunities with the <a name="SpendingTool" id="SpendingTool" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/how-to-manage-spending">Bank of America Spending & <span class="nowrap">Budgeting tool</span></a>.</div> </div> </div> </div>  <div class="contentShell content2 hide" role="tabpanel" aria-labelledby="content2Tab"> <div class="wrapper-3"> <div class="contentFlex nav"> <div class="width612"> <h2>Maximize your retirement savings</h2> <div class="contentText">Use time to your advantage. Increase your savings as your income grows and take full advantage of tax-friendly retirement accounts. </div> </div> <div class="width564">  <div class="bubbles"> <a href="javascript:void(0);" class="bubble bubble0 b1" name="bb1" id="bb1" role="button" tabindex="0" onclick="currentSlide(1,0);"> <div>Retirement<br /> savings<span class="adahidden">Slide 1 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble bubble0 b2" name="bb2" id="bb2" role="button" tabindex="0" onclick="currentSlide(2,0);"> <div>Maximizing<br /> contributions<span class="adahidden">Slide 2 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble bubble0 b3" name="bb3" id="bb3" role="button" tabindex="0" onclick="currentSlide(3,0);"> <div>Beyond your<br /> 401(k)<span class="adahidden">Slide 3 of 3</span></div> </a> </div> </div> </div> </div>  <div class="mySlides slider0"> <div class="wrapper-3"> <div class="contentFlex budget "> <div class="textMod width564"> <h3>How much should you be saving <span class="nowrap">for retirement?</span></h3> <div class="contentText pb-15">What each person needs to save for retirement will vary based on a number of factors:</div> <ul class="listCompact"> <li>Your current age</li> <li>The age at which you plan to retire</li> <li>How long you expect to live (based on family history)</li> <li>How much you plan to spend in retirement</li> <li>Your sources of retirement income</li> </ul> <div class="contentText pb-15">It's important to remember that the amount you save and invest is only one component of your future retirement income. Most Americans will have Social Security as the backbone of their retirement savings. So, how do you know if you are on track? </div> <div class="contentText pb-30">This chart shows how much you should have saved if you want to replace 39% of your pre-tax income, which is the typical average percentage of overall retirement income sources that come from retirement savings. Multiplying your yearly income by the number in the appropriate age bracket provides a target amount to have saved by that age. </div> <div><a class="cta orange m" name="ArtSaveRet" id="ArtSaveRet" href="/article/how-much-do-you-really-need-to-save-for-retirement" target="_blank"><span>Learn more<span class="adahidden"> about saving for retirement</span></span></a></div> </div> <div class="imgMod width612"> <div class="shadowBox"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-1-savings-desk.jpeg" alt="This exhibit measures from smallest to largest the recommended retirement savings by age: 18-25 at 2; 26-30 at 0.9; 31-35 at 1.6; 36-40 at 2.4; 41-45 at 3.4; 46-50 at 4.6; 51-55 at 6.0; 56-60 at 7.6 and 61-64 at 9.2." /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-1-savings-mobile.jpeg" alt="This exhibit measures from smallest to largest the recommended retirement savings by age: 18-25 at 2; 26-30 at 0.9; 31-35 at 1.6; 36-40 at 2.4; 41-45 at 3.4; 46-50 at 4.6; 51-55 at 6.0; 56-60 at 7.6 and 61-64 at 9.2." /> </div> <div class="contentDisc">Source: Chief Investment Office and Bank of America Retirement & Personal Wealth Solutions, "Financial Wellness: Helping improve the financial lives of your employees," 2023. Note: Calculations are based on obtaining 39% of income replacement from retirement savings (pre-tax) for middle-income households of $40,000 to $100,000 annually.</div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Are you on track?</h3> </div> <div class="knowText">See where you stand in your retirement savings with our <a target="_blank" name="PRC" id="PRC" href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a>. </div> </div> </div> </div>  <div class="mySlides slider0"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3 class="h3Max">Increasing your contributions can add up over time</h3> <div class="contentText pb-15">If your employer offers a retirement plan, i.e. 401(k) or 403(b), make participating in that a top priority and take full advantage of any employer match. Contribute as much as you can, up to the <a name="contribs" id="contribs" onclick="contribs()" href="javascript:void(0);">limit set by the IRS<span class="adahidden"> popup</span></a>.</div> <div class="contentText pb-30">Even a seemingly small percentage change in your contributions could potentially make a big difference. This chart demonstrates the difference between contributing 6% and 10% of a hypothetical annual salary of $75,000 over a 30 year time period.</div> <div><a class="cta orange m" name="ArtPercent" id="ArtPercent" href="/article/what-percentage-of-income-to-401k" target="_blank"><span>Learn more<span class="adahidden"> boosting your retirement savings</span></span></a></div> </div> <div class="width612 imgMod imgMax"> <div class="shadowBox"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-2-contributions-desk.jpeg" alt="Bar chart illustrating how much a 6% and 10% contribution of a $75,000 annual salary over 30 years could contribute to a retirement nest egg. 6% of a $75,000 annual salary could amount to $367,221 in 30 years. 10% of a $75,000 annual salary could amount to $612,035 in 30 years. Amounts based on a hypothetical 6% annual rate of return." /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-2-contributions-mobile.jpeg" alt="Bar chart illustrating how much a 6% and 10% contribution of a $75,000 annual salary over 30 years could contribute to a retirement nest egg. 6% of a $75,000 annual salary could amount to $367,221 in 30 years. 10% of a $75,000 annual salary could amount to $612,035 in 30 years. Amounts based on a hypothetical 6% annual rate of return." /> </div> <div class="contentDisc pb-10">Source: AARP 401(k) Savings and Planning Calculator</div> <div class="contentDisc">Dollar figures are rounded to the nearest hundred. This hypothetical illustration assumes an annual salary of $75,000, pre-tax contribution rates of 6% and 10% with contributions made at the beginning of the month and a 6% annual effective rate of return. Hypothetical results are for illustrative purposes only and are not meant to reflect an actual investment, nor does it account for the effects of taxes, or investment expenses or withdrawals. Returns are not guaranteed and results will vary. Investment returns cannot be predicted and will fluctuate. Investor results may be more or less. It is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Withdrawals prior to age 59½ also may be subject to a 10% additional federal tax, unless an exception applies.</div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Changing jobs?</h3> </div> <div class="knowText">Don't forget your retirement savings, as you have choices for what to do with your account balance.<span class="adahidden">Footnote </span><sup>1</sup> <a name="ArtTakeJob" id="ArtTakeJob" class="nowrap" target="_blank" href="/article/should-i-take-the-job">Learn more <span class="adahidden"> about changing jobs</span></a></div> </div> </div> </div>  <div class="mySlides slider0"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3 class="stratH3">Giving your retirement savings a boost</h3> <div class="contentText pb-15">In addition to any workplace retirement accounts you may have (401(k) or 403(b)), saving in a tax-advantaged retirement account, like a traditional or Roth IRA is a good way to help build your nest egg. Knowing which type of retirement account to use can be overwhelming. </div> <div class="contentText pb-30">Explore more insights or use our Retirement Account Selector tool.</div> <div class="ctaButtonFlex"> <a class="cta orange m" name="RetTypes1" id="RetTypes1" target="_blank" href="/article/types-of-retirement-accounts"><span>Learn more <span class="adahidden"> about types of retirement accounts</span></span></a> <a class="cta orange m reverse" name="IRATool" id="IRATool" target="_blank" href="/retirement/ira/selector-tool"><span>Try it out <span class="adahidden">: the Retirement Account Selector Tool</span></span></a> </div> </div> <div class="width612 imgMod"> <div class="shadowBox imgIRA"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/gif/GWMOL/ME-building-wealth-ira-selector-desk.gif" alt="Image of the Merrill IRA selector tool" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/gif/GWMOL/ME-building-wealth-ira-selector-mobile.gif" alt="Image of the Merrill IRA selector tool" /> </div> </div> </div>  <div class="knowFlex"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">If you're married and not working but file a joint return, you may be able to contribute to an IRA even if you did not have taxable compensation — as long as your spouse did, and they earned enough to cover the contribution. </div> </div> </div> </div> <div class="mobileMenu"> <a href="javascript:void(0);" role="button" class="arrow left" onclick="plusSlides(-1,0);"><span class="adahidden">Previous slide of 3</span></a> <a class="dot dot0 dotFirst" id="dot1" href="javascript:void(0);" role="button" onclick="currentSlide(1,0);"><span class="adahidden">Slide 1 of 3: Retirement savings</span></a> <a class="dot dot0" id="dot2" href="javascript:void(0);" role="button" onclick="currentSlide(2,0);"><span class="adahidden">Slide 2 of 3: Maximizing contributions</span></a> <a class="dot dot0 dotLast" id="dot3" href="javascript:void(0);" role="button" onclick="currentSlide(3,0);"><span class="adahidden">Slide 3 of 3: Beyond your 401(k)</span></a> <a href="javascript:void(0);" role="button" class="arrow right" onclick="plusSlides(1,0);"><span class="adahidden">Next slide of 3</span></a> </div> <script> currentSlide(1, 0)</script> </div>  <div class="contentShell content3 hide" role="tabpanel" aria-labelledby="content3Tab"> <div class="wrapper-3"> <div class="contentFlex nav"> <div class="width612"> <h2>Monitor your investments </h2> <div class="contentText ctShort">Once you've invested, it's important that you monitor your portfolio and rebalance it as needed to align with your financial goals.</div> </div> <div class="width564"> <div class="bubbles single"> <div class="bubbleSolo monitor"> <div>Asset<br /> allocation</div> </div> </div> </div> </div> <div class="contentFlex"> <div class="width564 textMod"> <h3>Don't set it and forget it</h3> <div class="contentText pb-15">Because financial markets are dynamic and unpredictable, you can't expect your portfolio to perform exactly as planned. It takes close monitoring and periodic adjustments to help stay on track: The more you do so, the better you'll get at keeping your portfolio aligned with your goals. </div> <div class="contentText pb-15">This example shows how a portfolio's assets allocation<span class="adahidden">Footnote </span><sup>2</sup> changed from moderate to more aggressive, over many years because the stocks outperformed the other investment types. It can even happen over a period as short as six months, which is why it's important to review on a regular basis. </div> <div class="contentText pb-30" aria-hidden="true">Learn more about the basics of investing.</div> <div><a class="cta orange m" name="Basics" id="Basics" target="_blank" href="/investor-education/investing-basics"><span>Learn more <span class="adahidden"> about the basics of investing</span></span></a></div> </div> <div class="width612 imgMod"> <div class="shadowBox imgPie"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-3-pie-desk.jpeg" alt="The chart is titled 'How your asset allocation could change over time.' There are two of pie charts with allocations and horizontal scales with low risk on the left and high risk on the right. The first is dated December 31, 2008, and the allocation is 35% bonds, 5% cash/money markets and 60% stocks, and the risk level is in the middle. The second is dated December 5, 2023, and the allocation is 8% bonds, 1% cash/money markets and 91% stocks, and the risk level is medium high." /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-graph-3-pie-mobile.jpeg" alt="The chart is titled 'How your asset allocation could change over time.' There are two of pie charts with allocations and horizontal scales with low risk on the left and high risk on the right. The first is dated December 31, 2008, and the allocation is 35% bonds, 5% cash/money markets and 60% stocks, and the risk level is in the middle. The second is dated December 1, 2023, and the allocation is 8% bonds, 1% cash/money markets and 91% stocks, and the risk level is medium high." /> </div> <div class="contentDisc">Chief Investment Office.<span class="adahidden">Footnote </span><sup>3</sup> Dec 2023. Strategic Asset Allocations account for impact of taxes on investment income and realized capital gains. Illustrations above are for clients with low tax sensitivity.</div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">If you'd rather have Merrill investment professionals choose your investments and manage your portfolio for you, you might want to look into <a name="knowMGI" id="knowMGI" target="_blank" href="/investing/merrill-guided-investing">Merrill Guided Investing, an investment advisory program</a>.<span class="adahidden">Footnote </span><sup>4</sup></div> </div> </div> </div>  <div class="contentShell content4 hide" role="tabpanel" aria-labelledby="content4Tab"> <div class="wrapper-3"> <div class="contentFlex nav"> <div class="width612"> <h2>Protect your wealth and wishes</h2> <div class="contentText">Injuries, illness and forces beyond your control can trigger significant expenses. Having an estate plan is important to your overall financial health. </div> </div> <div class="width564">  <div class="bubbles"> <a href="javascript:void(0);" class="bubble bubble1 b1" name="bb1a" id="bb1a" role="button" tabindex="0" onclick="currentSlide(1,1);"> <div>Beneficiaries<span class="adahidden">Slide 1 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble bubble1 b2" name="bb2a" id="bb2a" role="button" tabindex="0" onclick="currentSlide(2,1);"> <div>Healthcare<span class="adahidden">Slide 2 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble bubble1 b3" name="bb3a" id="bb3a" role="button" tabindex="0" onclick="currentSlide(3,1);"> <div>Insurance<span class="adahidden">Slide 3 of 3</span></div> </a> </div> </div> </div> </div>  <div class="mySlides slider1"> <div class="wrapper-3"> <div class="contentFlex budget "> <div class="textMod width564"> <h3>Designating beneficiaries is a key first step </h3> <div class="contentText pb-15">While it's not always easy to think about what happens to your money when you die, something will happen. But — here's the good news — you can take one easy step that can make a big difference in protecting your loved ones: designating beneficiaries for your banking and investment accounts. </div> <div class="contentText pb-30">Once you've designated beneficiaries for your accounts, consider taking your protection of your assets and family a step further. Click through the steps to learn more (you should consult with an attorney or tax advisor).</div> <div><a class="cta orange m" name="ArtBene1" id="ArtBene1" target="_blank" href="/article/beneficiary-designation"><span>Learn more<span class="adahidden"> about designating a beneficiary</span></span></a></div> </div> <div class="imgMod width612"> <div class="budgetMod bene1 active" role="button" tabindex="0" aria-expanded="true"> <span class="adahidden">Item 1 of 5</span> <h4>Provide for dependents</h4> <div class="budgetText" aria-hidden="false">Make sure you have at least a basic will that includes provisions for your dependents, such as naming guardians for minors, providing for children from a previous marriage, and specifically addressing the care and income of relatives with special needs.</div> </div> <div class="budgetMod bene2" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 2 of 5</span> <h4>Appoint an attorney-in-fact</h4> <div class="budgetText" aria-hidden="true">Appointing an attorney-in-fact under a Power of Attorney (POA) will grant another person the authority to make major financial decisions upon your behalf.</div> </div> <div class="budgetMod bene3" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 3 of 5</span> <h4>Create a living will</h4> <div class="budgetText" aria-hidden="true">This legal document provides instructions for your medical care or termination of medical support in certain circumstances should you become incapacitated. </div> </div> <div class="budgetMod bene4" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 4 of 5</span> <h4>Establish a trust</h4> <div class="budgetText" aria-hidden="true">This legal document provides instructions for your medical care or termination of medical support in certain circumstances should you become incapacitated. </div> </div> <div class="budgetMod bene5" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 5 of 5</span> <h4>Create a digital estate plan</h4> <div class="budgetText" aria-hidden="true">It's essential to plan for the management of your digital assets and accounts, including social media accounts, after your death. </div> </div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt1">There's no limit to the number of beneficiaries you can designate on an account. <a name="ArtBene2" id="ArtBene2" target="_blank" href="/article/beneficiary-designation">Learn more</a></div> </div> </div> </div>  <div class="mySlides slider1"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3 class="hsaH3">Be ready to pay for healthcare<span class="adahidden">Footnote </span><sup>5</sup> costs now and in the future with a Health Savings Account (HSA)</h3> <div class="contentText pb-15">If you are enrolled in an HSA qualified high-deductible health plan, you can save money in a tax advantaged HSA to pay for qualified out-of-pocket health care expenses. The annual limit is defined by the IRS each year. Both employees and employers can contribute to an HSA and unused dollars rollover and are portable should you change jobs or retire.</div> <div class="contentText pb-30">Learn more about an HSA account as well as the different types of retirement accounts Merrill offers by clicking below. Or try out the Bank of America HSA Savings Calculator to see how you might benefit from an HSA.</div> <div class="ctaButtonFlex"> <a class="cta orange m" name="RetTypes2" id="RetTypes2" target="_blank" href="/article/types-of-retirement-accounts"><span>Learn more <span class="adahidden"> about types of retirement accounts</span></span></a> <a class="cta orange m reverse" name="HSA" id="HSA" target="_blank" href="https://bofa.ssnc.cloud/hsa/"><span>Try it out <span class="adahidden">: the Retirement Account Selector Tool</span></span></a> </div> </div> <div class="width612 imgMod hsa"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-healthcare-tool-desk.jpeg" alt="Image shows a picture of the results page of the Bank of America HSA calculator" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-building-wealth-healthcare-tool-mobile.jpeg" alt="Image shows a picture of the results page of the Bank of America HSA calculator" /> <div class="contentDisc pt-15 pb-10">For illustrative purposes only</div> <div class="contentDisc">Bank of America HSA Savings Calculator hypothetical assumptions: Single, Current Age- 40, Retirement age- 65, 29% tax bracket, 5% rate of return; contributing $2,100 annually and estimated annual out of pocket expenses of $400</div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt1">You can open an HSA on your own if your employer doesn't offer one. <a name="ArtHSA" id="ArtHSA" target="_blank" href="/article/open-health-savings-account-on-my-own">Learn more</a></div> </div> </div> </div>  <div class="mySlides slider1"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3 class="stratH3">How insurance helps you prepare for the unexpected</h3> <div class="contentText">There are many different types of insurance<span class="adahidden">Footnote </span><sup>6</sup> that can help you protect your assets as well as your general wellbeing. Click through the list to see how various types of insurance might fit into your plan. </div> </div> <div class="width612 imgMod"> <div class="budgetMod ins1 active" role="button" tabindex="0" aria-expanded="true"> <span class="adahidden">Item 1 of 4</span> <h4>Insure your life if others depend on you</h4> <div class="budgetText" aria-hidden="false">Your employer may offer subsidized life insurance (most likely term life, which is the simplest form of life insurance). Other types, like whole life, universal life and variable life, can offer the opportunity of investment returns as well as protection. </div> </div> <div class="budgetMod ins2" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 2 of 4</span> <h4>Consider disability coverage</h4> <div class="budgetText" aria-hidden="true">Disability insurance can replace lost income in the event of an accident or illness that keeps you from working. </div> </div> <div class="budgetMod ins3" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 3 of 4</span> <h4>Protect your home and belongings</h4> <div class="budgetText" aria-hidden="true">Without property insurance, losing your home or belongings could quickly deplete your emergency fund and set you back financially. </div> </div> <div class="budgetMod ins4" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 4 of 4</span> <h4>Explore long-term care insurance<span class="adahidden">Footnote </span><sup>7</sup></h4> <div class="budgetText" aria-hidden="true">This type of insurance can help keep long-term care costs from eating up your retirement savings since standard health insurance doesn't include long-term care. </div> </div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">In addition to insurance, an emergency fund is a key part of your emergency plans. <a name="Fund" id="Fund" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/emergency-fund-tips">Learn more</a> with Bank of America Better <span class="nowrap">Money Habits.</span></div> </div> </div> </div> <div class="mobileMenu"> <a href="javascript:void(0);" role="button" class="arrow left" onclick="plusSlides(-1,1);"><span class="adahidden">Previous slide of 3</span></a> <a class="dot dot1 dotFirst" id="dot1a" href="javascript:void(0);" role="button" onclick="currentSlide(1,1);"><span class="adahidden">Slide 1 of 3: Beneficiaries</span></a> <a class="dot dot1" id="dot2a" href="javascript:void(0);" role="button" onclick="currentSlide(2,1);"><span class="adahidden">Slide 2 of 3: Healthcare</span></a> <a class="dot dot1 dotLast" id="dot3a" href="javascript:void(0);" role="button" onclick="currentSlide(3,1);"><span class="adahidden">Slide 3 of 3: Insurance</span></a> <a href="javascript:void(0);" role="button" class="arrow right" onclick="plusSlides(1,1);"><span class="adahidden">Next slide of 3</span></a> </div> <script> currentSlide(1, 0)</script> <script>// Slide show script (supports multiple shows) var slideIndex = new Array(2); slideIndex[0] = 1; slideIndex[1] = 1; showSlides(1, 0); showSlides(1, 1); function plusSlides(n, slideshownumber) { slideIndex[slideshownumber] = slideIndex[slideshownumber] + n; showSlides(slideIndex[slideshownumber], slideshownumber); } function currentSlide(n, slideshownumber) { slideIndex[slideshownumber] = n; showSlides(slideIndex[slideshownumber], slideshownumber); } function showSlides(n, slideshownumber) { var i; var slideshowname = "slider" + slideshownumber; var slides = document.getElementsByClassName(slideshowname); var dotname = "dot" + slideshownumber; var dots = document.getElementsByClassName(dotname); var bubblename = "bubble" + slideshownumber; var bubbles = document.getElementsByClassName(bubblename); if (n > slides.length) { slideIndex[slideshownumber] = 1; } if (n < 1) { slideIndex[slideshownumber] = slides.length; } for (i = 0; i < slides.length; i++) { slides[i].style.display = "none"; } for (i = 0; i < dots.length; i++) { dots[i].className = dots[i].className.replace(" active", ""); $(dots[i]).find("span").remove(".callSelected"); } for (i = 0; i < bubbles.length; i++) { bubbles[i].className = bubbles[i].className.replace(" active", ""); $(bubbles[i]).find("span").remove(".callSelected"); } slides[slideIndex[slideshownumber] - 1].style.display = "block"; dots[slideIndex[slideshownumber] - 1].className += " active"; $(dots[slideIndex[slideshownumber] - 1]).find("span").append("<span class='callSelected'> selected</span>"); bubbles[slideIndex[slideshownumber] - 1].className += " active"; $(bubbles[slideIndex[slideshownumber] - 1]).find("span").append("<span class='callSelected'> selected</span>"); } </script> </div>   <div class="eventsShell coolGrayBg-10-05 "> <div class="wrapper-3 twenty"> <h2 class="txt-c">Managing through life's events</h2> <div class="eventsIntro txt-c">Throughout your life, you're going to experience important events — like getting married or divorced, having a baby, a job change — that will affect your finances. While some are planned, others are not. We're here to help you prepare for those <span class="nowrap">critical times.</span></div> <div class="pageAnchor"> <div id="anchorEvents"></div> </div> <div class="eventsFlex"> <div class="eventsNav txt-brand"> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL fam opened" id="famHL" aria-expanded="true">Family <span class="adahidden"> topics</span></a> <div class="enContent fam show" aria-hidden="false"> <a href="javascript:void(0);" role="button" class="eventsTopic selected" id="famMarriedTopic">Getting married <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famStartTopic">Starting a family <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famDivorceTopic">Getting divorced <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famLovedTopic">Losing a loved one <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famInherTopic">Receiving an inheritance <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL work closed" id="workHL" aria-expanded="false">Work <span class="adahidden"> topics</span></a> <div class="enContent work hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobFirstTopic">Your first job <span class="adahidden coda"> topic selected</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobChangeTopic">Changing jobs <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobLossTopic">Job loss <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobBizTopic">Starting a business <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL purch closed" id="purchHL" aria-expanded="false">Large purchases <span class="adahidden"> topics</span></a> <div class="enContent purch hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchHomeTopic">Buying a home <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchCarTopic">Buying a car <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchSaveTopic">Saving for a large purchase (travel, etc.) <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL health closed" id="healthHL" aria-expanded="false">Caregiving <span class="adahidden"> topics</span></a> <div class="enContent health hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="healthCareTopic">Caregiving <span class="adahidden coda"> topic</span></a> </div> </div> </div> <div class="eventsContent"> <div class="eventsInfo famMarried show"> <h3>Getting married</h3> <div class="eventsText">Getting married or moving in together can be the start of an exciting new adventure. These resources can help you get ready for this new phase in your life. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="eightLeft" id="eightLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="eightRight" id="eightRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="eightECF"> <a name="ecFam01" id="ecFam01" class="eventsCard" target="_blank" href="/article/6-tips-for-financially-happy-marriage"> <h4>6 keys to a financially happy relationship </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam02" id="ecFam02" class="eventsCard" target="_blank" href="/article/getting-ready-get-married-checklist"> <h4>Getting ready to get married checklist </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam03" id="ecFam03" class="eventsCard" target="_blank" href="/article/financial-side-of-marriage-equality"> <h4>The financial side of marriage equality</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam04" id="ecFam04" class="eventsCard" target="_blank" href="/retirement/cash-flow-calc"> <h4>Cash Flow Calculator </h4>  </a> </div> </div> <div class="eventsInfo famStart hide"> <h3>Starting a family </h3> <div class="eventsText">The cost of raising a child continues to increase. Learn how to prepare financially and protect your growing family. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="nineLeft" id="nineLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="nineRight" id="nineRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="nineECF"> <a name="ecFam05" id="ecFam05" class="eventsCard" target="_blank" href="/article/so-you-are-having-baby-checklist"> <h4>So, you're having a baby checklist</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam06" id="ecFam06" class="eventsCard" target="_blank" href="/article/budgeting-for-baby"> <h4>Budgeting for baby</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam07" id="ecFam07" class="eventsCard" target="_blank" href="/education-savings"> <h4>Their future starts today</h4>  </a> <a name="ecFam08" id="ecFam08" class="eventsCard" target="_blank" href="/college-savings/college-cost-calculator"> <h4>College Planning Calculator</h4>  </a> </div> </div> <div class="eventsInfo famDivorce hide"> <h3>Getting divorced </h3> <div class="eventsText">Receiving an inheritance can open up new possibilities. These tips can help you prepare to manage an inheritance or unexpected new wealth.</div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="tenLeft" id="tenLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="tenRight" id="tenRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="tenECF"> <a name="ecFam09" id="ecFam09" class="eventsCard" target="_blank" href="/article/getting-divorced-checklist-for-financially-sound-separation"> <h4>Getting Divorced? A Checklist for a Financially Sound Separation</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam10" id="ecFam10" class="eventsCard" target="_blank" href="/article/divorce-and-your-finances"> <h4>Divorce and your finances</h4> <div class="ecType article"> <div>Article</div> </div> </a> </div> </div> <div class="eventsInfo famLoved hide"> <h3>Losing a loved one </h3> <div class="eventsText">The last thing anyone wants to prepare for is the loss of a loved one. But there are important decisions to make, and planning ahead can help make this time a little less stressful. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="elevenLeft" id="elevenLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="elevenRight" id="elevenRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="elevenECF"> <a name="ecFam11" id="ecFam11" class="eventsCard" target="_blank" href="/article/what-to-know-when-loved-one-passes"> <h4>What to know when a loved one passes </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam12" id="ecFam12" class="eventsCard" target="_blank" href="/article/my-spouse-died-with-no-will-what-does-this-mean"> <h4>What Happens if my spouse dies without a will?</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam13" id="ecFam13" class="eventsCard" target="_blank" href="/life-services"> <h4>Financial steps to take after losing a loved one</h4>  </a> </div> </div> <div class="eventsInfo famInher hide"> <h3>Receiving an inheritance </h3> <div class="eventsText">Receiving an inheritance can open up new possibilities. These tips can help you prepare to manage an inheritance or unexpected new wealth.</div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="twelveLeft" id="twelveLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="twelveRight" id="twelveRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="twelveECF"> <a name="ecFam14" id="ecFam14" class="eventsCard" target="_blank" href="/article/handling-new-wealth-checklist"> <h4>Handling new wealth checklist</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam15" id="ecFam15" class="eventsCard" target="_blank" href="/article/beneficiary-of-trust-what-you-need-to-know"> <h4>Beneficiary of a trust? What you need to know</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecFam16" id="ecFam16" class="eventsCard" target="_blank" href="/article/what-to-do-after-receiving-inheritance"> <h4>Q&A: How can I make the most of my inheritance?</h4> <div class="ecType article"> <div>Article</div> </div> </a> </div> </div> <div class="eventsInfo jobFirst hide"> <h3>Your first job</h3> <div class="eventsText">Congratulations on reaching an important milestone. 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Past performance is no guarantee of future results.</strong> <br /><br />  <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.</span> </div>   <span class="adahidden">Footnotes </span><script type="text/javascript"> var tradeSUP="1";</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>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <span class="adahidden">Footnote </span><sup>3</sup> The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or "Merrill"), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available. <br /><br />  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="4";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MGIPDF" id="MGIPDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" name="MGIaPDF" id="MGIaPDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a> for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. </div>  You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge. <br /><br /> <span class="adahidden">Footnote </span><sup>5</sup> This material should be regarded as educational information on healthcare considerations and is not intended to provide specific healthcare advice. If you have questions regarding your particular situation, please contact your legal or tax advisor. <br /><br /> <span class="adahidden">Footnote </span><sup>6</sup> All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor do Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. <br /><br /> <span class="adahidden">Footnote </span><sup>7</sup> Long-term care insurance coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and conditions under which the insurance coverage may be continued in force or discontinued. 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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. Other fees and restrictions may apply. Pricing is subject to change without advance notice. <br/> <br/> For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. </div>  <div class="txt-gray2"><strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong></div> <div class="gov-notice"> <table class="bold" role="presentation"> <tbody> <tr> <td style="text-align:center;">Are Not FDIC Insured</td> <td style="text-align:center;">Are Not Bank Guaranteed</td> <td style="text-align:center;">May Lose Value</td> </tr> <tr> <td style="text-align:center;">Are Not Deposits</td> <td style="text-align:center;">Are Not Insured by Any Federal Government Agency</td> <td style="text-align:center;">Are Not a Condition to Any Banking Service or Activity</td> </tr> </tbody> </table> </div> <p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <p><strong>The performance data contained herein represents past performance which does not guarantee future results. 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. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.</p> <p>This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS1" id="FormCRS1" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.</span> </div>   <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, <a href="javascript:void(0);" id="DiscSIPC" name="DiscSIPC" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/sipc-interstitial','','270','280px');return false;">Member Securities Investor Protection (SIPC)<span class="adahidden"> popup</span></a> and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp"). </div>  <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p> <p>Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.</p> </div> <div class="legal"> <div class="left mt-m" style="width: 77%;"> <a class="bookmark" name="Prvcy" id="Prvcy" target="_blank" href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html">Privacy</a> | <a class="bookmark" name="Secrty" id="Secrty" target="_blank" href="/security-center">Security</a> | <a name="SiteMap" id="SiteMap" href="/site-map">Site Map</a> | <a name="Glossary" id="Glossary" href="/glossary">Glossary</a> | <a href="https://olui2.fs.ml.com/SVE/Pages/SoftwareRequirements.aspx?sgt=3" target="_blank" >Software Requirements</a> | <a class="bookmark" name="RteExcns" id="RteExcns" href="https://www.ml.com/legal.html#tag2" target="_blank">Routing & Executions</a> | <a class="bookmark" name="WebAccess" id="WebAccess" href="https://www.bankofamerica.com/accessible-banking/overview/" target="_blank">Accessible Banking</a> <br /> <a name="prModal" id="prModal" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','430','600px');return false;" href="javascript:void(0);">Advertising Practices<span class="adahidden"> popup</span></a> | <a name="FormbLib" id="FormbLib" href="/forms-library">Forms & Applications</a> | <a class="bookmark" name="LegalInfo" id="LegalInfo" href="https://www.ml.com/legal.html" target="_blank">Legal Information</a> | <a class="bookmark" name="BizCntnty" id="BizCntnty" href="https://www.ml.com/privacy-and-security-center/business-continuity-planning.html" target="_blank">Business Continuity</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf" target="_blank" name="DepositAccount" id="DepositAccount" rel="nofollow" >Deposit Account & Money Fund Rates (PDF)</a> <br /> <a class="bookmark" name="NewsRm" id="NewsRm" href="https://newsroom.bankofamerica.com/" target="_blank">Bank of America Newsroom</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS2" id="FormCRS2" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings"></a> </div> <div class="right"> <div class="site-logo" data-widget="Site Logo" style="margin:10px 0;"> <a href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> </div> <div class="copyrights txt-gray2"> <p>© 2024 Bank of America Corporation. 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