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Security</span> </span> </a> <div class="cta__note"><p>Ways to keep your financial information safe and prevent identity theft</p> </div> </li> <li class="cta-group__wrapper "> <a data-bactmln="cta_group-_-CTA-_-taxes---income_/content/bmh/en/taxes-income" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income" class="js-cta-link cta-group__cta t-track-cta cta--link " target="_self"> <span class="icon-c" data-action="icon"> <span class="icon icon--taxes-income icon--primary-red icon--size3 icon--align-left" aria-hidden="true"> </span> </span> <span class="cta-group__cta-content-wrapper "> <span class="cta__text">Taxes & Income</span> </span> </a> <div class="cta__note"><p>Guidance on tax planning and making the most of your pay and benefits</p> </div> </li> </ul> </div> </div> </div> <div class="navigation-items__menu--row"> <div class="navigation-items__menu--title"> <div class="heading-latest display--block heading--align-left "> <div class="heading-latest__anchor-link 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Considerations for structuring your business transfer that could benefit your family and retirement income.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at Merrill.com</span> </span> </div> </div> </div> <a href="https://www.merrilledge.com/article/job-loss-checklist" target="_blank" data-path="https://www.merrilledge.com/article/job-loss-checklist" data-language="en-US" hreflang="en-US" data-subtopic="work-pay-benefits" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-true mosaic-item--showoverview-true mosaic-item--work-pay-benefits mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="true" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Job loss</h3> <p class="mosaic-item__description">While it may be tempting to reach for retirement assets after losing a job, look for other sources that won't have an impact on your long-term plans.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> <a href="https://promotions.bankofamerica.com/smallbusiness/starting-a-business" target="_blank" data-path="https://promotions.bankofamerica.com/smallbusiness/starting-a-business" data-language="en-US" hreflang="en-US" data-subtopic="work-pay-benefits" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--work-pay-benefits mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Starting a business</h3> <p class="mosaic-item__description">Starting your own business can be exciting—and challenging. Check out these resources and tools from Bank of America to prepare for your venture.</p> <div class="mosaic-item__cta "> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article " aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at the Bank of America Start a Business Center</span> </span> </div> </div> </a> <a href="https://www.merrilledge.com/article/estate-planning-checklist" target="_blank" data-path="https://www.merrilledge.com/article/estate-planning-checklist" data-language="en-US" hreflang="en-US" data-subtopic="planning" data-type="Article" class="js-mosaic-item t-track-content-tile mosaic-item--featured-false mosaic-item--showoverview- mosaic-item--planning mosaic-item--Article-dimensions" tabindex="0"> <div class="Article mosaic-item--Article template-theme--cx border-top--template-theme-color-cx mosaic-item" data-featured="false" data-orientation="Article"> <h3 class="mosaic-item__title mosaic-item__title--Article text--template-theme-color-cx"> Estate planning checklist</h3> <p class="mosaic-item__description">Learn how to keep your assets accessible, organized, and secure for the digital age.</p> <div class="mosaic-item__cta border-top--template-theme-color-cx"> <i class="icon icon--Article mosaic-item__icon mosaic-item__icon--Article mosaic-item__icon--merrill" aria-hidden="true"></i> <span class="js-mosaic-item__cta-text"> Read more<span> at MerrillEdge.com</span> </span> </div> </div> </a> </div> <div class="show-more topicfilter__show-more js-topicfilter__show-more"> <a href="#" data-bactmln="topic-page-_-Hyperlink-_-ShowMore" class="show-more__button js-topicfilter__show-more-btn t-track-body-copy-link" tabindex="0" role="button">Show More </a> </div> <div> </div> </div> </div> <div><div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--work-pay-benefits mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="work-pay-benefits" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">If you have unused money in a flexible spending account (FSA) at the end of the year, it may not be refunded.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income/pre-tax-benefits" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/taxes-income/pre-tax-benefits" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? If you have unused money in a flexible spending account (FSA) at the end of the year, it may not be refunded. </span>More about benefits </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--planning mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="2" data-subtopic="planning" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">The IRS estimates that people spend 12 hours on average preparing their tax returns each year.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income/preparing-my-tax-return-for-the-first-time" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/taxes-income/preparing-my-tax-return-for-the-first-time" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? The IRS estimates that people spend 12 hours on average preparing their tax returns each year. </span>Learn more </a> </div> </div> <div class="aem-wrap--did-you-know section"> <div class="did-you-know mosaic-item mosaic-item--planning mosaic-item--did-you-know js-mosaic-item js-mosaic-item--filler mosaic-item--showoverview- mosaic-item--featured-true text--template-theme-color-cx background--template-theme-color-cx--light" data-position="6" data-subtopic="planning" data-action="didYouKnow" tabindex="0"> <p class="did-you-know__heading">Did you know?</p> <div class="did-you-know__statement-helper"><p class="did-you-know__statement">A tax credit reduces the amount of tax you owe dollar for dollar.</p></div> <a class="did-you-know__button button t-track-cta button--blue" href="https://bettermoneyhabits.bankofamerica.com/en/taxes-income/understanding-tax-terms" data-bactmln="topic-page-_-CTA-_-LearnMore_/content/bmh/en/taxes-income/understanding-tax-terms" tabindex="0" role="button"> <span class="accessibility-hidden"> Did You Know? 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