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/></span><div id="meganavHiddendivId" style="display:none;"><div id="l2WhyME" class="mega-nav" style="left:;"><div id="WhyEdgecol1" class="fl nav mn-col3" style="left:;"><div id="col1WhyEdgeWrap" class="wrap" style="left:;"><div id="headCol1WhyEdge" class="heading" style="left:;">How Are We Different?</div><ul id="col1WhyEdge" class="nl-a" style="left:;"><li id="nav8_col1WhyEdge" class="" style="left:;"><a href="/why-merrill">Why Choose Merrill</a></li><li id="nav1_col1WhyEdge" class="" style="left:;"><a href="/pricing">Pricing & Fees</a></li><li id="nav2_col1WhyEdge" class="" style="left:;"><a href="/preferred-rewards">BofA Preferred Rewards</a></li><li id="nav7_col1WhyEdge" class="" style="left:;"><a href="/research/perspectives">Insights</a></li><li id="nav3_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li><li id="nav4_col1WhyEdge" class="" style="left:;"><a href="/mobile-investing">Mobile Investing</a></li><li id="nav5_col1WhyEdge" class="" style="left:;"><a href="/sustainable-investing">Sustainable Investing</a></li><li id="nav6_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/awards-ratings">Awards & Accolades</a></li></ul></div></div><div id="WhyEdge_CMS" class="fl cms mn-col3" 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="phoneWhy" id="phoneWhy" 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="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="simple-ira" /><Content><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div id="ctl00_ctl00_siteContent_MainContent_pageTitle"></div></div><script xsi:type="text/javascript" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xhtml="http://www.w3.org/1999/xhtml"> try{ var div = ($get('pageTitle')) ? 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to 360px */ .benefitsFlex > div { width:auto; } } </style> <script> $GE.JQ(function() { // Scripts to prepend correct environments to MLD links var str1 = "merrilledgesit1.com"; var str2 = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fssit1.ml.com"; } else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a.mldLink').attr('href', function(i, href) { return myurl + href; }); // FAQ accordion scripts $(".jq_expColAll").click(function () { if ($(this).html() == "Expand all") { $(this).html("Collapse all"); $(this).parent().parent().find(".acd-a-close").addClass("acd-a-open").removeClass("acd-a-close"); } else { $(this).html("Expand all"); 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background-repeat:no-repeat; color: #493F36; display:block; font-size:14px; } #toc ul.level1 > li a { background-position:right 20px center; background-size:16px auto; height:auto; line-height:1; padding: 19px 0 19px 20px; } #toc ul.level1 > li a.closed { background-color:#ededed; background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png); border-bottom:1px solid #c3c3c3; } #toc ul.level1 > li a.closed.noborder { border-bottom:0; } #toc ul.level1 > li a.opened { background-color:#fff; background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png); background-position:right 20px top 21px; padding: 19px 0 0 20px; } #toc ul.level2 > li a { background-position:6px center; background-size:12px auto; border-bottom:1px solid #d9d9d9; margin:0 20px; padding: 27px 0 27px 6px; } #toc ul.level2 > li:last-of-type a { border-bottom:0; } #toc ul.level2 > li a, #toc ul.level2 > li a.closed { background-color:#fff; background-image:none; font-weight:600; } #toc 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padding:66px 0 0 0; } #toc ul.level1 > li a#navAnswers { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png); } #toc ul.level1 > li a#navAppt { /* Not in use */ background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png); } #toc ul.level1 > li a#navPhone { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png); } #toc ul.level1 > li a#navIFA { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png); margin:0 auto; max-width:300px; } a#navIFA span { color:#493F36; } #toc .ctaNav { background-color:#ededed; border-bottom:1px solid #cccccc; border-top:1px solid #bfbfbf; padding:25px 20px; text-align:center; } #toc .ctaNav .cta.orange.m { box-sizing:border-box; font-size:14px; line-height:40px; height:40px; text-align:center; width:164px; } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #etheader { display:block; width:100%; height:56px; overflow:hidden; border-bottom: 1px solid #cccaca; position:fixed; top:0; z-index:99999; background:#ffffff; } .spaced { display:block; height:57px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 25px 0 0; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 20px 0 0; } } @media only screen and (max-width: 350px) {/* viewport up to 350px */ #mobile-oao-link { display:none; } #mobile-sign-in a { margin:0 30px 0 0; } } </style> <script> $GE.JQ(function() { // Toggles burger menu and resets submenus $("#topmenu").click(function () { if ($('#toc ul.level1 > li a.linkL1').hasClass("opened")) { $('#toc ul.level1 > li a.linkL1').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li a.linkL1').next('ul.level2').css("display", "none"); $('#toc ul.level1 > li a.linkL1').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL1').next('ul.level2').attr("aria-hidden", "true"); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').addClass('closed').removeClass('opened'); $('#toc ul.level1 > li > ul.level2 > li a.linkL2').next('ul.level3').css("display", "none"); $('#toc ul.level1 > li a.linkL2').attr("aria-expanded", "false"); $('#toc ul.level1 > li a.linkL2').next('ul.level3').attr("aria-hidden", "true"); } $("#toc").toggle("slow"); $(this).find("a").toggleClass("burger-close"); if ($(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> 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</ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed noborder help" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">Help When You Want It</a> <ul aria-hidden="true" id="content-6" class="level2 closed"> <div class="navHelpFlex"> <a name="navAnswers" id="navAnswers" class="ifaNo" href="/help-support">Find answers to<br /> common questions <span class="adahidden"> at Merrill</span></a> <a name="navAppt" id="navAppt" class="ifaNo" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/">Schedule an<br /> appointment<span class="adahidden"> with Merrill</span></a> <div class="ifaYes" style="display:none;"><a name="navIFA" id="navIFA" target="_blank" rel="noopener noreferrer" href="mailto:mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date."><span>To find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a></div> </div> </ul> </li> </ul> <div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> <script type="text/javascript"> // Script to create IFA tactic experience Sys.Application.add_init(function () { if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } }); </script>   <div class="wrapper-2">    <div class="simpleBanner"> <div class="wrapper-3"> <h1 class="txt-brand-b">SIMPLE IRA</h1> <h2 class="txt-brand">Attract talented employees while saving for your own retirement </h2> <div><a name="ctaBanner" id="ctaBanner" class="cta orange m" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=smb_simple&oaounit=cta_middle_oao_button&oaocampaign=baseline&oaoterm=smbAccounts "><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> </div>  <div class="wrapper-3 coolGrayBg-10-05"> <div class="benefitsOuter"> <h2 class="txt-brand">A Savings Incentive Match Plan for Employees (SIMPLE) IRA is a plan for businesses with 100 or fewer employees. You make contributions for your employees, who can also contribute through salary deferrals.</h2> <div class="benefitsShell txt-brand"> <div class="benefits1"> <h3 class="txt-brand-b">SIMPLE IRA Features</h3> <div class="benefitsFlex"> <div class="bfMod1"> <div class="bfText">Contribute significantly more than you could with a traditional IRA<span class="adahidden">Footnote </span><sup>2</sup></div> </div> <div class="bfMod2"> <div class="bfText">Make fixed contributions that are generally tax deductible by the business <span class="adahidden">Footnote </span><sup>3</sup></div> </div> <div class="bfMod3"> <div class="bfText">Help fund your employees and your own retirement with a cost-efficient plan </div> </div> <div class="bfMod4"> <div class="bfText">Options beyond State Mandated Programs to grow with your business</div> </div> </div> </div> <div class="benefits2"> <div>Don't Miss Out:</strong> Up to $1000 credit per employee for eligible employer contributions and qualified plan start-up tax credits.<span class="adahidden">Footnote </span><sup>3</sup></div> </div> </div> <div class="benefitsCTA"><a name="ctaBenefits" id="ctaBenefits" class="cta orange m" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=smb_simple&oaounit=cta_hero_oao_button&oaocampaign=baseline&oaoterm=smbAccounts"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> <div><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/SIMPLE.pdf" target="_blank" name="SIMPLE_PDF" id="SIMPLE_PDF" rel="nofollow" >Learn even more about this plan with <span class='nowrap'>our SIMPLE IRA fact sheet</span></a></div> </div> </div>  <div class="wrapper-3"> <div class="valueFlex"> <div class="valueChart"> <div class="vc1"> <div class="value0 txt-brand"><sup>$</sup>0</div> <div>setup fee (for accounts opened online) </div> </div> <div class="vc2"> <div class="value0 txt-brand"><sup>$</sup>0</div> <div>annual administrative fees (for accounts opened online) </div> </div> <div class="vc3"> <div class="value0 txt-brand"><sup>$</sup>0</div> <div>unlimited online stock and ETF trades<span class="adahidden">Footnote </span><sup>1</sup> <span class="adahidden">Footnote </span>*Other fees may apply </div> </div> </div> <div class="valueText"> <h2 class="txt-brand">Bring value to your business without the extra fees </h2> <div>If you open your plan online, there are no setup fees or annual administrative fees, plus you get unlimited $0 online stock and ETF trades if you're investing with your Merrill Edge Self-Directed account.<span class="adahidden">Footnote </span><sup>1</sup></div> </div> </div> </div>  <div class="toolShell coolGrayBg-10-05"> <div class="toolImgMobile"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-rollover-ira-screen-mobile-grey-bg.jpeg" alt="" style="width:100%; height:auto; max-width:414px;"/></div> <div class="toolText"> <h2 class="txt-brand">Which retirement account is right for your business? </h2> <div class="toolDiv TD1">Compare the features of retirement accounts available at Merrill, find out which one works best for you, your business and any employees you may have. </div> <div class="toolDiv TD2"><a name="iraTool1" id="iraTool1" href="/retirement/ira/selector-tool">Try our Retirement Account selector tool</a></div> </div> </div>  <div class="manageShell"> <h2 class="txt-brand">What's a key difference between a SIMPLE IRA and a SEP IRA? </h2> <div class="manageText">A SIMPLE IRA allows both the business owner and the employees to make contributions. With a SEP IRA, only business owners make contributions, both for themselves and for their employees.</div> <div><a name="AllSB" id="AllSB" href="/retirement#tabsTop">Learn more about all small business solutions available at Merrill</a></div> </div>  <div class="wrapper-3 coolGrayBg-10-05"> <div class="startShell"> <h2 class="txt-brand">Get started with a SIMPLE IRA <span class="nowrap">in 3 easy steps</span></h2> <div class="startFlex"> <div class="startDiv"> <div class="startNum txt-brand-l">1</div> <h3 class="txt-brand-m">Decide how you want to invest </h3> <div class="startText">Manage your own investments or have Merrill investment professionals manage your portfolio for you, with the option to work with an advisor. </div> <div class="startLink"><a name="startWays" id="startWays" href="/investing/ways-to-manage-investments">Compare your options<span class="adahidden"> at Merrill</span></a></div> </div> <div class="startDiv"> <div class="startNum txt-brand-l">2</div> <h3 class="txt-brand-m">Open your account </h3> <div class="startText">It's easy to set up your account (any employees you have will set up their own accounts), and there are no program or administrative fees for accounts opened online. </div> <div class="startLink"><a name="startOAO" id="startOAO" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=smb_sep&oaounit=cta_bottom_oao_cards&oaocampaign=baseline&oaoterm=smbAccounts">Open an account<span class="adahidden"> with Merrill</span></a></div> </div> <div class="startDiv"> <div class="startNum txt-brand-l">3</div> <h3 class="txt-brand-m">Add funds </h3> <div class="startText">Quickly and easily fund accounts for you and your employees with Merrill E-Contribs for Small Business Retirement Accounts, a free platform.</div> <div class="startLink"><a name="startOAO" id="startOAO" target="_blank" href="https://www.econtribs.ml.com/Login/login?TYPE=33554433&REALMOID=06-40d5f67e-cdcb-4f78-aa41-c3cbddcc413d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGENTNAME=$SM$wptJ7ocXHTSjQVmUrhhCZOqPxou4ae4YqqUZOsKrh92%2basNCtGvcnGC2fPuqmzI0&TARGET=$SM$https%3a%2f%2fwww%2eecontribs%2eml%2ecom%2f">Go to E-Contribs<span class="adahidden"> at Merrill</span></a></div> </div> </div> </div> </div>  <div class="osChoices"> <h2 class="osIntro txt-brand">Explore all plans available for small business </h2> <div class="osChoicesText">Get more details about small business retirement plans available at Merrill and find the one that works best for your needs.</div> <div class="osChoicesLinks"> <a name="SEP" id="SEP" href="/small-business/sep-ira">SEP IRA<span class="adahidden"> plans at Merrill</span></a> <a name="SB401k" id="SB401k" href="/small-business/401k">Small Business 401(k)<span class="adahidden"> plans at Merrill</span></a> <a name="Ind401k" id="Ind401k" href="/small-business/individual-401k">Individual 401(k)<span class="adahidden"> plans at Merrill</span></a> </div> <div class="osChoicesAll"> <div class="pb-3">Interested in getting more details on employer retirement plans?</div> <div><a href="/small-business/compare-employer-retirement-plans">Compare a SIMPLE IRA to an Individual 401(k)<span class="adahidden"> at Merrill</span></a></div> </div> </div>  <div class="readyHull coolGrayBg-10-05"> <h2 class="txt-brand">Ready to get started?</h2> <a class="cta orange m" name="ctaReady" id="ctaReady" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=smb_simple&oaounit=cta_bottom_oao_button&oaocampaign=baseline&oaoterm=smbAccounts"><span>Open an account<span class="adahidden"> with Merrill</span></span></a> <div class="readyCall">If you have questions, contact a specialist at <a name="ctaPhone" id="ctaPhone" href="tel:855.667.9451">855.667.9451</a></div> </div>  <div class="wrapper-3 mgiFaqBg"> <div class="mgiFaqs"> <h2 class="txt-brand txt-c">Frequently Asked Questions</h2> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" role="button" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Who contributes to a SIMPLE IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> The plan is funded by employee salary deferrals and required employer contributions. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">How much are employers required to contribute?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> You can choose to contribute between 2% (minimum) to the lesser of 10% or $5000 (indexed for inflation) for each eligible employee regardless of participation, or a dollar-for-dollar match of employee salary-deferral contributions capped at 3% of compensation (if needed, the cap may be reduced to as low as 1% for any 2years during a 5-year period).<span class="adahidden">Footnote </span><sup>2</sup> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">What are the employee contribution limits?<span class="adahidden">Footnote </span><sup>3</sup></a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> Employee contributions will vary based on eligible compensation and contribution year. For specific details please refer to <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/SIMPLE.pdf" target="_blank" name="FactSheet_PDF" id="FactSheet_PDF" rel="nofollow" >refer to the SIMPLE IRA fact sheet (PDF)</a> for the most current limits. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Who is eligible to participate in a SIMPLE IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> Any employee who received $5,000 or more in compensation in any 2 calendar years and is reasonably expected to earn $5,000 or more in the current year. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">What investment choices are available?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> A full range of investment choices is available, including stocks, bonds, options, ETFs and well-known mutual funds. You and your employees may also consider a savings IRA from Bank of America, N.A. <a name="investing" id="investing" href="/investing">Learn more about investment choices</a> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">How much does it cost to set up and administer a SIMPLE IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> There are no setup or administrative fees for your business or your employees, for accounts opened online. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">Does the plan take a lot of time to administer?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> Not at all. Merrill helps you save time and effort with Merrill E-Contribs for Small Business Retirement Accounts<sup>™</sup> – an easy-to-use web-based contribution service. <a name="eContrib" id="eContrib" href="https://www.econtribs.ml.com/Login/login?TYPE=33554433&REALMOID=06-40d5f67e-cdcb-4f78-aa41-c3cbddcc413d&GUID=&SMAUTHREASON=0&METHOD=GET&SMAGENTNAME=$SM$wptJ7ocXHTSjQVmUrhhCZOqPxou4ae4YqqUZOsKrh92%2basNCtGvcnGC2fPuqmzI0&TARGET=$SM$https%3a%2f%2fwww%2eecontribs%2eml%2ecom%2f">Go to E-Contribs</a> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-8" aria-expanded="false" id="accordion-control-8">What if I prefer to invest with an advisor?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-8"> Get help when you want it by meeting with a Merrill Financial Solutions Advisor in person or on the phone. <a name="invAdvisor" id="invAdvisor" href="/investing/merrill-investment-advisor">Learn more about working with an advisor</a> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-11" aria-expanded="false" id="accordion-control-11">What are the advantages for employees?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-11"> Interest, dividends, employer contributions and other investment earnings have the potential to grow tax deferred until they are withdrawn at retirement. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-13" aria-expanded="false" id="accordion-control-13">When are contributions fully vested?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-12"> Employee and employer contributions are 100% vested immediately.</div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-13" aria-expanded="false" id="accordion-control-13">Can participants take a loan or withdraw funds from their SIMPLE IRA before they reach age 59½?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-13"> No. Loans are not allowed. Withdrawals before age 59½ are subject to ordinary income tax plus a 10% federal early withdrawal tax. If funds are withdrawn within 2 years of first participation in a SIMPLE IRA, the early withdrawal tax is 25% instead of 10%.</div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-14" aria-expanded="false" id="accordion-control-14">What if my business grows beyond 100 employees?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-14"> If your business grows, you may wish to consider a Merrill Small Business 401(k). Before making any decisions, speak with your tax and legal advisors about your situation and the requirements for terminating a plan and establishing a new one.</div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-16" aria-expanded="false" id="accordion-control-16">Is IRS reporting required?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-16"> It's not, but employee notification of employer contributions is required annually, typically by November 1 for the upcoming plan year.</div> </div> </div> </div> </div> </div> </div>   <div class="wrapper-3 bg-white"> <div id="etdisclosure">  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="*";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id=D6007>Other fees may apply. 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>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="1";</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>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Contribution and compensation limits are subject to a cost-of-living adjustment annually pursuant to the Internal Revenue Code. Contribution and compensation limits for subsequent years may vary. </div>   <span class="adahidden">Footnote </span><sup>3</sup></script> For more information, visit the <a name ="IRSretPlanning" id ="IRSretPlanning" onclick ="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl( '/interstitial-irs-gov-retirement-plans-startup-costs-tax-credit', '', '270', '280px'); return false;" href ="javascript:void(0);"> <span class ="adahidden"> Go to third-party website   </span> IRS website. <span class = "adahidden" >   popup </span> </a><br /><br /> MAP6300282-08062025 </div> </div> </div>  <script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","name":"Explore SIMPLE IRA Retirement Plans for Small Business","url":"https://www.merrilledge.com/small-business/simpleira"," description":"A Savings Incentive Match Plan for Employees (SIMPLE) IRA is a plan for small businesses with 100 or fewer employees. Set up a SIMPLE IRA today.","image":"https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg","keywords":"simple ira,simple ira plan,simple ira for small business,wfid23973458","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"Who contributes to a SIMPLE IRA?", "acceptedAnswer":{"@type":"Answer","text":"The plan is funded by employee salary deferrals and required employer contributions."}},{"@context":"https://schema.org","@type":"Question","name":"How much are employers required to contribute?", "acceptedAnswer":{"@type":"Answer","text":"You can choose to contribute a flat 2% of compensation for each eligible employee regardless of participation, or a dollar-for-dollar match of employee salary-deferral contributions capped at 3% of compensation. 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id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM1'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone4" class="zone t20z4"><div id="ctl00_ctl00_siteContent_MainContent_phZoneM2" class="phZoneM2"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM2'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone5" class="zone t20z5"><div id="ctl00_ctl00_siteContent_MainContent_phZoneM3" class="phZoneM3"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl5"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM3'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone6" class="zone t20z6"><div id="ctl00_ctl00_siteContent_MainContent_phZoneM4" class="phZoneM4"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM4'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone7" class="zone t20z7"><div id="ctl00_ctl00_siteContent_MainContent_phZoneM5" class="phZoneM5"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM5'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone8" class="zone t20z8"><div id="ctl00_ctl00_siteContent_MainContent_phZoneM6" class="phZoneM6"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneM6'; /* ]]> */</script> </div></span> </div> </div></div></div><div id="zonecontainer2right" class="w-230 fr t20rc"><div id="zone9" class="zone t20z9"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR1" class="phZoneR1"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR1'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone10" class="zone t20z10"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR2" class="phZoneR2"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR2'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone11" class="zone t20z11"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR3" class="phZoneR3"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR3'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone12" class="zone t20z12"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR4" class="phZoneR4"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR4'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone13" class="zone t20z13"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR5" class="phZoneR5"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl13"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR5'; /* ]]> */</script> </div></span> </div> </div></div><div id="zone14" class="zone t20z14"><div id="ctl00_ctl00_siteContent_MainContent_phZoneR6" class="phZoneR6"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl14"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZoneR6'; /* ]]> */</script> </div></span> </div> </div></div></div></div></div><div id="ME_Template20" class="displayNone" xmlns:xhtml="http://www.w3.org/1999/xhtml"></div></Content> </div> </div> <div id="dvFSDDisclaimer" class="site-disclaimer"> <span id="ctl00_ctl00_siteContent_cctlDisclaimer"><div id="ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"> </div></span> </div> <div id="dvFooter" class="site-footer"> <span id="ctl00_ctl00_siteContent_cctlFooter">  <style> a.ot-sdk-show-settings { background-image: 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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. 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$(".fsa-notincontext").css('display', 'none'); $(".fsa-incontext").css('display', 'block'); } else { $(".fsa-incontext").css('display', 'none'); $(".fsa-notincontext").css('display', 'block'); } }); </script> <script type="text/javascript"> /* <![CDATA[ */ var __ETFlags ={ FieldTags:true, TrackDynamic:true}; /* ]]> */ </script> <script type="text/javascript" src="/publish/content/application/x-javascript/ET_2-4.6.js"> </script><script type="text/javascript">/* <![CDATA[ */ /* var __ETFlags ={ FieldTags:true}; remove per Veer */ /* ]]> */</script><script type="text/javascript">/* <![CDATA[ */ if (document.readyState === "interactive" || document.readyState === "complete") { var axel = Math.random() + ""; var a = axel * 10000000000000; var params = []; params[0] = {}; params[0].type = "dart"; params[0].ddoData = { "standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]}; $GE.Tagging.updateDDO(params); } else { document.onreadystatechange = function () { if (document.readyState === "interactive") { var axel= Math.random() + "";var a= axel * 10000000000000; var params = []; params[0] = {}; params[0].type = "dart"; params[0].ddoData = { "standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]}; $GE.Tagging.updateDDO(params); } } } /* ]]> */</script></span> <span id="ctl00_ctl00_ctrlLiveTextChat"></span><script type="text/javascript" language="javascript"> Sys.Application.add_load(function(){ if(typeof $GE!="undefined" && $GE!=null) { var options = { "SITE_ID": "OSE", "LANGUAGE": "ENGLISH" }; var KeyValuePair = { "ME_SALES_CHAT" : "Y" }; var tcChatSession = $GE.initChat(options); tcChatSession.setChatParam(KeyValuePair); //For custom data pass } }); </script> <script type="text/javascript"> //<![CDATA[ var vWSODChartAPIName ="/net/WidgetAPI/GetWidgets";//]]> </script> <script language='javascript' type='text/javascript'>var PlatformPaths=new Object();PlatformPaths.SVEVirtualPath='/sve/p/TM/FolderVersionNotFound/default'; PlatformPaths._runLookupPath='/sve/pages/RunLookup.aspx?RUN='; PlatformPaths._hasXssCharMappings=true; PlatformPaths._xssCharsEncodeMappings={"'": '@','\\#': '[ge_hs_ge]',';': '[ge_sc_ge]','\$': '[ge_op_ge]','\$': '[ge_cp_ge]','"': '[ge_qt_ge]','\\+': '[ge_pl_ge]'}; PlatformPaths._xssCharsDecodeMappings={"'": '@','#': '\\[ge_hs_ge]',';': '\\[ge_sc_ge]','(': '\\[ge_op_ge]',')': '\\[ge_cp_ge]','"': '\\[ge_qt_ge]','+': '\\[ge_pl_ge]'}; PlatformPaths._CurrentPageResource=''; PlatformPaths._ContextaulServicePath='/m/cse/uiservices/PlatformControlService.asmx'; PlatformPaths._ContextaulWebMethodName='ContextaulGlossaryData'; PlatformPaths._csehWSPath='/M/CSE/UIServices/ErrorLogging.asmx'; PlatformPaths._siteHelpPath=''; PlatformPaths._keepAliveUrl=''; PlatformPaths._newPingURL='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_PING2'; PlatformPaths._helpModalUrl='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_ECMS_MODAL?Type=PageHelp_simple-ira'; PlatformPaths._downloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_FILEDOWNLOADHELPER'; PlatformPaths._unAuthDownloadPath='https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_UNAUTHFILEDOWNLOADHELPER'; PlatformPaths.autoCompleteInterval='1500'; PlatformPaths.interstitialSettings='{"StateColl":{"State":{}},"CurrentExperience":"Default","CurrentSite":"TM","PopupUrl":"https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GEDPU_GE_INTERSITEALERT","PopupTitle":null,"PopupTimerMs":5000,"MldFqdn":"olui2.fs.ml.com","MldoaFqdn":"","VendorEnts":{"MLD":false,"OLB":false,"MLDOA":false,"BROKERCHECK":false,"BROADRIDGE":false},"IsMldToggleEnabled":false}'; PlatformPaths.isSDB=false; PlatformPaths.enableClientSideSetMode='false'; PlatformPaths._isUserImpersonated=false; PlatformPaths._isCobrowseApplicable=true; PlatformPaths._cobrowseScriptPath='/sve/js/v4/vendor/launcher.js?TIMESTAMP'; PlatformPaths._globalHoverQuoteID='ctl00_ctl00_siteContent_globalHoverQuote'; PlatformPaths._controlServicePath='/m/cse/uiservices/PlatformControlService.asmx'; </script> <script type="text/javascript"> //<![CDATA[ Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlBrowser"}, null, null, $get("ctl00_ctl00_siteContent_cctlBrowser")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlLogo"}, null, null, $get("ctl00_ctl00_siteContent_cctlLogo")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlUtilityLinks"}, null, null, $get("ctl00_ctl00_siteContent_cctlUtilityLinks")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":1,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_globalHoverQuote")); }); Sys.Application.add_init(function() { $create(Sys.Extended.UI.TextBoxWatermarkBehavior, {"ClientStateFieldID":"ctl00_ctl00_siteContent_glQte__ClientState","WatermarkText":"Get Quote","id":"ctl00_ctl00_siteContent_glQte_ctl01"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {"FirstColumnDataField":"Symbol","RunMode":0,"SecondColumnDataField":"Description","StringResources":"{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. Please try again.\",\"STES_MULTIPLE_MATCHES\":\"{0:###,###,##0} Match{1} Found\"}","acDelay":1500,"appID":"GQ","completionInterval":1500,"completionListCssClass":"quote_completionListElement","completionListHeight":"250px","completionListItemCssClass":"quote_listItem","completionListItemFirstColumnCssClass":"quote_listItem_firstColumn","completionListItemFooterCssClass":"quote_headerrow","completionListItemSecondColumnCssClass":"quote_listItem_secondColumn","completionSetCount":20,"delimiterCharacters":"","headerRowCssClass":"quote_listItem quote_headerrow","highlightedItemCssClass":"quote_highlightedListItem","id":"bAutoComp","isAutoCompOnPopup":false,"minimumPrefixLength":1,"serviceMethod":"GetSymbolAutoComplete","servicePath":"/m/cse/uiservices/PlatformControlService.asmx","showFooterLink":true,"showFooterLinkByCount":false,"symbolLookupRunParam":"RUN_RISymbolLookUpUI_VendorSymbolLookUp"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {"hoverQuoteSettings":"{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }","instanceType":0,"isInlineToOtherPopup":false,"isJAWSSupported":true,"isSearchByCompanyNameEnabled":false,"requestTimeOut":7000,"searchLookupURL":"","stringResources":"{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}","supportedInstrumentTypes":"[2,4,5,6,7,13,15]","webServicePath":"/m/cse/uiservices/PlatformControlService.asmx"}, null, null, $get("ctl00_ctl00_siteContent_glQte_GlobalQuote1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {"Configuration":"{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}","Data":"","VisibleCloseLink":true,"id":"ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext")); }); Sys.Application.add_init(function() { $create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.MegaNavMenu, {"ApplyNavigationMatrixRule":true,"MegaNavData":"","MegaNavMode":"Default","MegaNavTargetElements":"[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]","MegaNavTargetMenuId":"siteNav","RenderMode":0,"hiddenMegaNavDataElements":"[]"}, null, null, $get("MegaNavMenu1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZone1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZone2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM3\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM3","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM4\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM4","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM5\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM5","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneM6\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneM6","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR2","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR3\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR3","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR4\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR4","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR5\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR5","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl13_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneR6\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","location","phZoneR6","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl14_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"simple-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_ME_Disclaimer","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003esimple-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","simple-ira","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlFooter"}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags")); }); //]]> </script> </form> </body> </html>