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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 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<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 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<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 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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="starting-out" /><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div class="pt-wrap"><div id="dvPageTitle"><div id="ctl00_ctl00_siteContent_MainContent_cphL2HeaderZone" class="cphL2HeaderZone"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1"><div 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background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-left.png); } a.arrow.right.ending { background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-right.png); } .budgetMod { background-position:24px 0; background-repeat:no-repeat; box-sizing:border-box; cursor:pointer; margin:0 0 24px 0; min-height:24px; padding:0 24px 0 56px; } .budgetMod:last-of-type { margin:0; } .budgetMod.active { background-position:24px 30px; box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); border-radius: 12px; padding:30px 24px 30px 56px; } .bg1.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24.png); } .bg2.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-cash-24x24.png); } .bg3.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24.png); } .bg4.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-plan-24x24.png); } .bg5.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-document-24x24.png); } .bg6.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-clearing-24x24.png); } .bg1 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24-grey.png); } .bg2 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-cash-24x24-grey.png); } .bg3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24-grey.png); } .bg4 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-plan-24x24-grey.png); } .bg5 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-document-24x24-grey.png); } .bg6 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-clearing-24x24-grey.png); } .emg1.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-pie-24x24.png); } .emg2.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24.png); } .emg3.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-online-24x24.png); } .emg4.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-chart-24x24.png); } .emg5.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-withdraw-24x24.png); } .emg6.active { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24.png); } .emg1 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-pie-24x24-grey.png); } .emg2 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24-grey.png); } .emg3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-online-24x24-grey.png); } .emg4 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-chart-24x24-grey.png); } .emg5 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-withdraw-24x24-grey.png); } .emg6 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24-grey.png); } .textMod { order:2; } .imgMod { order:1; } .budgetText { color:#333; display:none; line-height:1.5; font-size:14px; } .budgetMod.active .budgetText { display:block; } .budgetMod h4 { color:#646464; font-weight:bold; line-height:1.5; } .budgetMod.active h4 { color:#012169; } .fiftyRule { padding:50px 0 0 96px; } .findBudget { padding:0 96px 0 0; } .sliderShell { box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); border-radius: 12px; box-sizing:border-box; display:flex; flex-direction:column; margin:0 0 24px 0; min-height:389px; padding:24px; } .sliderShell.ss2 { min-height:430px; } .sliderShell h4 { font-size:20px; text-align:center; } .sliderEnd { margin:auto 0 0 0; } .sliderImages { margin:0 0 17px 0; } .sliderImages.mobile { display:none; } .sliderImages img { height:auto; max-width:564px; width:100%; } .rangeChart, .rangeChart2 { display:none; } .rangeChart.show-image, .rangeChart2.show-image { display:block; } .sliderFlex { display:flex; gap:16px; } .sliderFlex.sf2 { align-items:center; gap:21px; justify-content:center; } .sliderText { display:flex; flex-direction:column; white-space:nowrap; } .sf2 .sliderText { flex-direction:row; gap:5px; } .sliderText1 { padding:0 0 3px 0; } .sliderRange { text-align:center; width:100%; } .sf2 .sliderRange { width:auto; } .sliderFlex input[type=range] { appearance: none; background: transparent; cursor: pointer; min-width: 90%; /* was 375px */ -webkit-appearance: none; --webkitProgressPercent: 0%; } .sliderFlex.sf2 input[type=range] { min-width:145px; max-width:145px; } .sliderFlex input[type=range]:before { content: --webkitprogresspercent; } /***** Chrome, Safari, Opera, and Edge Chromium *****/ .sliderFlex input[type="range"]::-webkit-slider-runnable-track { background: linear-gradient(90deg,#fff 8px,#009CDE 0,#009CDE var(--webkitProgressPercent),#bababa var(--webkitProgressPercent),#d5d5d5 calc(100% - 8px),#fff calc(100% - 8px)); height:2px; } /******** Firefox ********/ .sliderFlex input[type="range"]::-moz-range-track { background: linear-gradient(90deg,#fff 8px,#009CDE 0,#009CDE var(--webkitProgressPercent),#bababa var(--webkitProgressPercent),#d5d5d5 calc(100% - 8px),#fff calc(100% - 8px)); height:2px; } /***** Chrome, Safari, Opera, and Edge Chromium *****/ .sliderFlex input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; /* Override default look */ appearance: none; border:2px solid #009CDE; border-radius:50%; margin-top: -12px; /* Centers thumb on the track */ background-color: #fff; height: 22px; width: 22px; } /***** Firefox *****/ .sliderFlex input[type="range"]::-moz-range-thumb { border:2px solid #009CDE; border-radius:50%; background-color: #fff; height: 22px; width: 22px; } .range-labels { display:flex; justify-content:space-between; margin: 0 auto 10px auto; max-width: 405px; position:relative; } .sf2 .range-labels { max-width: 147px; } .range-label { position:relative; } .range-label::after { border-right:2px solid #d5d5d5; margin: auto; width:2px; content:''; height:12px; left:49.5%; bottom:-23px; position: absolute; z-index: -1; } .range-label.rl01::after { left:21px; } .range-label.rl04::after { left:auto; right:23px; } .range-label.active { font-weight:bold; } .range-label.active::after { content:none; } .range-label.rl01a::after { left:7px; } .range-label.rl02a::after { left:auto; right:9px; } .contentDisc { color:#646464; font-size:12px; line-height:1.5; } .spendGraphic img { height:auto; max-width:612px; width:100%; } .knowFlex { align-items:center; display:flex; gap:28px; padding:0 0 100px 0; } .knowFlex.center { justify-content:center; } .knowHL { display:flex; justify-content:flex-end; } .wrapper-2 .knowHL h3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-innovation-light-bulb-scalable.png); background-repeat:no-repeat; background-size:auto 40px; color:#012169; font-size:36px; line-height:1.15; margin:0; padding:0 0 0 48px; white-space:nowrap; } .knowText { line-height:1.5; } .kt1 { max-width:490px; } .stratBox { box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); border-radius: 12px; box-sizing: border-box; margin:0 0 24px 0; padding:24px; } .buttonFlex { border:1px solid #d9d9d9; border-radius:4px; box-sizing:border-box; display:flex; font-size:16px; justify-content:center; margin:0 auto 20px auto; width:278px; } a.bfButton { color:#000; display:block; font-family: 'connections'; height:38px; line-height:38px; text-align:center; width:50%; } a.bfButton:hover { text-decoration:none; } a.bfButton.loans { border-right:1px solid #d9d9d9; } a.bfButton.selected { background: #F2F8FC; box-shadow: inset 0 0 5px 0 rgba(0,0,0,0.20), inset 0 0 20px 0 rgba(0,0,0,0.12); } .bfImage img { display:block; height:auto; margin:0 auto; max-width:565px; width:100%; } .bfImage img.mobile { display:none; } .width612.sviImg { flex-shrink:0; width:100%; } .savVInvShell { box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); border-top-left-radius:0; border-top-right-radius:12px; border-bottom-right-radius:12px; border-bottom-left-radius:12px; box-sizing:border-box; margin:100px 0 0 0; position:relative; } .savVInvTabs { background-repeat:no-repeat; display:flex; gap:20px; height:129px; position:absolute; top:-119px; left:-22px; right:-20px; } .savVInvTabs.svi1 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-1-desk.jpeg); } .savVInvTabs.svi2 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-2-desk.jpeg); } a.sviButton { align-items:center; box-sizing:border-box; color:#646464; display:flex; font-family: 'connections'; font-size:24px; font-weight:300; justify-content:center; height:92px; margin:16px 0 0 0; width:200px; } a.sviButton#svi1Button { margin:16px 0 0 22px; } a.sviButton:hover, a.sviButton.selected { color:#012169; text-decoration:none; } a.sviButton > div { background-repeat:no-repeat; background-size:28px 28px; padding:0 0 0 40px; } a#svi1Button > div { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-grey-small.png); } a#svi1Button.selected > div { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable.png); } a#svi2Button > div { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-grey-small.png); } a#svi2Button.selected > div { background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png); } .sviContent { font-size:16px; padding:0 24px; } .sviItemFlex { align-items:center; border-bottom:1px solid #d5d5d5; box-sizing:border-box; display:flex; gap:15px; min-height:70px; padding:24px 0; justify-content:space-between; } .sviItemFlex:last-of-type { border:0; padding:24px 0 30px 0; } .svifR { font-weight:bold; text-align:right; } .eventsShell { padding:96px 0; } .eventsIntro { line-height:1.5; margin:0 auto; max-width:930px; padding:0 0 64px 0; } .eventsFlex { align-items: flex-start; display:flex; gap:40px; justify-content:space-between; } .eventsNav { background-color:#fff; box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); border-radius: 12px; box-sizing:border-box; max-width:404px; padding:12px 24px 6px 24px; width:100%; } .eventsMod { border-bottom:1px solid #d5d5d5; } .eventsMod:last-of-type { border-bottom:0; } .eventsNav a { color:#000; display:block; } .eventsNav a.selected { font-weight:bold; } .eventsNav a:hover, .eventsNav a.selected { color:#012169; } .eventsNav a:hover { text-decoration:none; } a.eventsHL { background-position:right 6px center; background-repeat:no-repeat; background-size:16px auto; color:#000; font-weight:bold; padding:25px 0; text-transform:uppercase; } a.eventsHL.opened { background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-black.png); padding:25px 0 18px 0; } a.eventsHL.closed { background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-black.png); } a.eventsTopic { padding:0 0 18px 0; } a.eventsTopic:last-of-type { padding:0 0 24px 0; } .eventsContent { flex-shrink:0; max-width:772px; width:100%; } .eventsText { font-size:20px; line-height:1.5; padding:0 0 40px 0; } .scrollNavShell { display:none; } .eventsCardFlex { display:flex; flex-wrap:wrap; gap:24px; } a.eventsCard { background-color:#fff; background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-insights-card-placeholder.jpeg); background-position:center top; background-repeat:no-repeat; border-radius:12px; box-shadow: 0 2px 20px 0 rgba(0,0,0,0.12); box-sizing:border-box; display:flex; flex-direction:column; max-width:368px; min-height:312px; padding:160px 16px 16px 16px; width:100%; } #ecWork01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-4-tax-moves.jpeg); } #ecWork02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-changing.jpeg); } #ecWork03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-changing-v2.jpeg); } #ecWork04 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-changers-checklist.jpeg); } #ecWork05 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-changing-retirement-savings.jpeg); } #ecWork06 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-loss-checklist.jpeg); } #ecWork07 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-I-lost-my.jpeg); } #ecWork08 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-explore-rolling-retirement.jpeg); } #ecWork09 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-job-small-business-resources.jpeg); } #ecPurch01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-home-are-you-ready.jpeg); } #ecPurch02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-home-first-checklist.jpeg); } #ecPurch03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-home-resource-center.jpeg); } #ecPurch04 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-auto-loans.jpeg); } #ecPurch05 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-purch-saving-for-checklist.jpeg); } #ecPurch06 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-purch-8-simple-ways-save.jpeg); } #ecPurch07 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-purch-short-term-savings-calc.jpeg); } #ecFam01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-6-tips-happy-marriage.jpeg); } #ecFam02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-getting-married-checklist.jpeg); } #ecFam03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-marriage-equality.jpeg); } #ecFam04 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-cash-flow-calc.jpeg); } #ecFam05 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-having-a-baby-checklist.jpeg); } #ecFam06 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-budgeting-for-baby.jpeg); } #ecFam07 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-education-savings.jpeg); } #ecFam08 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-college-planning-calc.jpeg); } #ecFam09 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-getting-divorced-checklist.jpeg); } #ecFam10 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-divorce-and-finances.jpeg); } #ecFam11 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-what-to-know-loved-one-passes.jpeg); } #ecFam12 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-what-happens-if-spouse-dies.jpeg); } #ecFam13 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-life-services.jpeg); } #ecFam14 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-handling-new-wealth-checklist.jpeg); } #ecFam15 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-beneficiary-of-trust.jpeg); } #ecFam16 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-make-most-of-inheritance.jpeg); } #ecHealth01 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-health-caring-for-sick-or-elderly.jpeg); } #ecHealth02 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-health-caregivers-financial-guide.jpeg); } #ecHealth03 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-events-card-fam-life-services.jpeg); } a.eventsCard:hover, .eventsCardFlex > a:active { box-shadow: 0 2px 5px 0 rgba(0,0,0,0.20); text-decoration:none; } a.eventsCard.placeholder { padding:0; min-height:1px; max-height:1px; margin:0; visibility:hidden; } a.eventsCard h4 { color:#000; line-height:1.4; font-family:arial, helvetica, sans-serif; font-size:20px; font-weight:400; margin:0 0 30px 0; } .ecType { align-items:center; background-position:left center; background-repeat:no-repeat; color:#646464; display:flex; font-size:12px; margin:auto 0 0 0; padding:0 0 0 20px; } .ecType.article { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-article.png); } .ecType.audiocast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-podcast.png); } .ecType.podcast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-podcast.png); } .ecType.report { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-article.png); } .ecType.video { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-video.png); } .ecType.webcast { background-image: url(/Publish/Content/image/png/GWMOL/ME-insights-icon-webinar.png); } .ctaShell { padding:96px 0; } .wrapper-2 .ctaShell h2 { padding:0 0 40px 0; } .ctaFlex { display:flex; justify-content:center; gap:24px; } .ctaFlex a { background-repeat:no-repeat; border:1px solid #d5d5d5; box-sizing:border-box; color:#000; display:flex; flex-direction:column; max-width:400px; min-height:282px; padding:104px 32px 40px 32px; text-align:center; width:100%; } .ctaFlex a:hover { text-decoration:none; } #ctaBoA { background-image:url(/Publish/Content/image/svg/GWMOL/logo-BoA-flag-only.svg); background-position:center 42px; background-size:60px auto; } #ctaMerrill { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png); background-position:center 36px; background-size:48px auto; } #ctaAppt { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calendar-scalable.png); background-size:40px 40px; background-position:center 39px; } .wrapper-2 .ctaFlex h3 { font-size:20px; font-weight:500; margin:0 0 10px 0; } .ctaText { line-height:1.5; padding:0 0 35px 0; } .ctaLink { margin:auto 0 0 0; color:#0053C2; } .ctaLink:hover { text-decoration:underline; } .osChoices { padding:96px 20px; text-align:center; } .wrapper-2 .osChoices h2 { padding: 0 0 40px 0; } .osChoicesLinks { display:flex; flex-wrap:wrap; gap:20px; justify-content:center; margin:0 auto; } .osChoicesLinks a { border:1px solid #012169; border-radius:20px; box-sizing:border-box; color:#012169; display:inline-block; font-size:20px; height:40px; line-height:40px; padding:0 24px; text-align:center; } .osChoicesLinks a:hover { background-color:#0053C2; border-color:#0053C2; color:#fff; text-decoration:none; } #etdisclosure { display: block; font-size: 14px; color: #646464; padding:30px 0; } #etfooter { display: none; } .dtable { border: 0 none; margin: 10px 0 0 0; padding: 0; table-layout: auto; width: 100%; } .dtable tbody td { border: 1px solid #524940; padding: 10px 5px; font-size: 13px; font-weight: bold; text-align: center; vertical-align: middle; width: 33%; } @media only screen and (max-width: 1325px) {/* viewport up to 1325px */ .wrapper-3 { padding:0 40px; } .fiftyRule { padding:50px 0 0 40px; } .findBudget { padding:0 40px 0 0; } } @media only screen and (max-width: 1200px) {/* viewport up to 1200px */ .knowFlex { flex-direction:column; gap:12px; } .knowHL { display:block; } .knowText { max-width:760px; text-align:center; } .contentFlex.sviFlex { flex-direction:column; gap:40px; padding:0 0 60px 0; } .width612.sviText { order:1; width:auto; } .width564.sviImg { order:2; width:auto; } .eventsNav { width:40%; } .eventsContent { width:60%; } } @media only screen and (max-width: 1100px) {/* viewport up to 1100px */ .startBanner { background-position:right -90px top 0; } } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #TMoseSiteheader { display: none; } #ctl00_ctl00_siteContent_navHeader { display: none; } .wrapper-3 { padding:0 20px; } .wrapper-3.twentyFour { padding:0 24px; } .wrapper-2 h2 { font-size:28px; } .wrapper-2 h3 { margin:0 0 10px 0; } .startBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-banner-bg-tablet.jpeg); background-position:right top; height:510px; } .startBanner h1 { font-size:36px; } .startBannerText { width:65%; } .tabsPrice { gap:25px; } .contentTab { height:40px; font-size:12px; line-height:40px; } #content1Tab, #content2Tab, #content3Tab, #content4Tab { width:auto; } .contentTab.selected::after { height:2px; border-bottom:2px solid #012169; } .mobileMenu { margin:0 auto 60px auto; } .contentShell { padding:60px 0 0 0; } .contentFlex { flex-direction:column; gap:40px; padding:0 0 60px 0; } .width612, .width564 { width:auto; } .contentFlex.nav { padding:0 0 50px 0; } .contentFlex.sliderMods { gap:0; } .textMod { order:1; } .imgMod { order:2; } .wrapper-2 .budgetMod h4 { font-size:14px; } .budgetMod.active h4 { padding:0 0 5px 0; } .width564.fiftyRule { background-image: url(/Publish/Content/image/png/GWMOL/ME-flag-bg-grey-1440x692.png); background-position:center top; background-repeat:no-repeat; max-width:100%; padding:60px 20px 40px 20px; } .width564.fiftyRule > h3, .width564.fiftyRule > div { max-width:564px; } .findBudget { padding:0 12px; } .sliderShell { min-height:425px; } .sliderShell.ss2 { min-height:458px; } .sliderImages.desk { display:none; } .sliderImages.mobile { display:block; margin:0 auto 20px auto; max-width:342px; } .sliderImages img { max-width:342px; } .sliderFlex { margin:0 auto; max-width:342px; flex-direction:column; gap:12px; } .sliderFlex.sf2 { align-items:flex-start; flex-direction:row; gap:10px; justify-content:space-between; } .sliderText { display:flex; flex-direction:row; margin:0 0 12px 0; } .sf2 .sliderText { flex-direction:column; } .sliderText1 { padding:0; } .range-labels { max-width:342px; } .sf2 .range-labels { max-width: 170px; } .range-label.rl01::after { left:18px; } .range-label.rl04::after { left:auto; right:20px; } .range-label.rl01a::after { left:6px; } .range-label.rl02a::after { left:auto; right:8px; } .sliderFlex input[type="range"] { min-width:93%; } /* was 318px */ .sliderFlex.sf2 input[type="range"] { min-width: 170px; max-width: 170px; } .eventsShell { padding:60px 0; } .eventsIntro { padding:0 0 40px 0; } .eventsFlex { flex-direction:column; } .eventsNav, .eventsContent { width:100%; } .eventsNav { padding:6px 24px 4px 24px; } a.eventsHL { font-size:14px; padding:12px 0; } a.eventsHL.opened { padding:12px 0; } a.eventsTopic { font-size:14px; padding:0 0 12px 0; } a.eventsTopic:last-of-type { padding:0 0 16px 0; } .wrapper-2 .eventsInfo h3 { font-size:20px; } .eventsText { font-size:16px; } .ctaShell { padding:60px 0; } .ctaFlex { align-items:center; flex-direction:column; gap:12px; } .ctaFlex > a { max-width:390px; min-height:212px; padding:32px 24px 32px 88px; text-align:left; } #ctaBoA { background-image:url(/Publish/Content/image/svg/GWMOL/logo-BoA-flag-only.svg); background-position:18px 59px; background-size:50px auto; } #ctaMerrill { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png); background-position:24px 54px; background-size:40px auto; } #ctaAppt { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calendar-scalable.png); background-size:34px 34px; background-position:26px 56px; } .ctaText { padding:0 0 16px 0; } .osChoices { padding:60px 20px; } .wrapper-2 .osChoices h2 { padding: 0 0 25px 0; } .osChoicesLinks { gap:12px; } .osChoicesLinks a { font-size:14px; height:32px; line-height:32px; padding:0 16px; } #etfooter { display: block; font-size: 12px; color: #524940; background: #f0f0f0; padding: 30px 20px 30px 20px; } #dvFooter { display: none; } } @media only screen and (max-width: 795px) {/* viewport up to 795px */ .eventsCardFlex { box-sizing: border-box; flex-wrap:nowrap; margin:0 -16px 0 -20px; overflow-x: auto; padding:20px; position:relative; } a.eventsCard { min-width:368px; } .scrollNavShell { display:block; position:relative; } .scrollNav { position:absolute; top:-15px; right:0; } .scrollNav a { background-repeat:no-repeat; background-size:9px auto; display:inline-block; height:15px; width:9px; } .scrollNav a:first-of-type { margin:0 40px 0 0; } .scrollNav a:hover { text-decoration:none; } .scrollNav a.left { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-left.png); } .scrollNav a.right { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-right.png); } .scrollNav a.left:hover { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-left-blue.png); } .scrollNav a.right:hover { background-image:url(/Publish/Content/image/png/GWMOL/ME-caret-right-blue.png); } } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .linkDesk { display: none; } .linkMobile { display: inline; } .shareDesk { display: none; } .shareMobile { display: block; } .wrapper-3 { padding:0 12px; } .wrapper-3.twenty { padding:0 20px; } .knowFlex { align-items:flex-start; padding:0 0 60px 0; } .wrapper-2 .knowHL h3 { background-position:6px 0; background-size:20px auto; font-size:28px; padding:0 0 0 40px; white-space:normal; } .knowText { padding:0 0 0 40px; text-align:left; } #etfooter { padding: 20px; } } @media only screen and (max-width: 680px) {/* viewport up to 680px */ .width612.sviImg { flex-shrink:1; max-width:374px; } .savVInvShell { margin:64px 0 0 0; min-height:420px; } .savVInvTabs { height:102px; top:-82px; left:-18px; right:0; } .savVInvTabs.svi1 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-1-mobile.jpeg); } .savVInvTabs.svi2 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-2-mobile.jpeg); } a.sviButton { font-size:16px; height:64px; width:150px; } a.sviButton > div { background-size:20px 20px; padding:0 0 0 31px; } .sviContent { font-size:14px; } .sviItemFlex { align-items:flex-start; line-height:1.5; padding:16px 0; min-height:55px;; } .sviItemFlex:first-of-type { padding:22px 0 16px 0; } .sviItemFlex:last-of-type { padding:16px 0 20px 0; } .svifR { max-width:200px; } } @media only screen and (max-width: 640px) {/* viewport up to 640px */ .tabsPrice { justify-content:flex-start; } .bubbles { height:238px; width:304px; } .bubbles.single { height:auto; } a.bubble { font-size:14px; height:132px; transform: scale(0.83); /* 83% of the original size */ width:132px; } a.bubble > div { background-size:28px auto; padding:35px 0 0 0 } .b2 { top:0; left:auto; bottom:auto; right:0; } .b3 { top:auto; bottom:0; left:0; right:0; margin:auto; } a.bubble.active > div, a.bubble:hover > div { background-size:36px auto; padding:45px 0 0 0 } .bfImage img.desk { display:none; } .bfImage img.mobile { display:block; max-width:344px; } .bubbleSolo { font-size:14px; height:132px; width:132px; } .bubbleSolo > div { background-size:auto 38px; padding:45px 0 0 0; } .bubbleSolo.plan > div { background-size:38px auto; padding:35px 0 0 0; } } @media only screen and (max-width: 480px) {/* viewport up to 480px */ .startBanner { padding:40px 0 0 0; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .startBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-starting-out-banner-bg-mobile.jpeg); } .startBanner h1 { font-size:8.6vw; } .startBannerText { line-height:1.5; max-width:250px; } .bubbles.single { margin:0 0 0 -8px; } .contentFlex.nav > div { text-align:center; } .contentText.ctShort { margin:0 auto; max-width:370px; } .stratH3 { max-width:305px; } .savVInvTabs { background-size:106% 102px; gap:24px; } a.sviButton { width:38.5%; } a.sviButton#svi1Button { margin:16px 0 0 18px; } } @media only screen and (max-width: 412px) {/* viewport up to 412px */ a.eventsCard { min-width:100%; } } @media only screen and (max-width: 390px) {/* viewport up to 390px */ .wrapper-3.twentyFour, .wrapper-3.twenty { padding:0 12px; } .budgetText { font-size:12px; } .textMod { padding:0; } .eventsCardFlex { margin:0 -11px; padding:20px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ .savVInvTabs { left:-17px; } a.sviButton { width:37.5%; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .range-label, .sliderText { font-size:14px; } .sf2 .range-labels { max-width: 132px; } .range-label.rl01a::after { left:4px; } .range-label.rl02a::after { left:auto; right:7px; } .sliderFlex.sf2 input[type="range"] { min-width: 135px; max-width: 135px; } .knowHL h3 { font-size:7.7vw; } .stratBox { padding:24px 12px; } .buttonFlex { font-size:14px; width:248px; } .savVInvTabs { left:-16px; } a.sviButton { width:36.5%; } .wrapper-2 .ctaShell h2 { font-size:7.7vw; } .ctaFlex a { min-height:100px; padding:32px 16px 32px 62px; } .ctaFlex a > div { font-size:14px; } .wrapper-2 .ctaFlex h3 { font-size:16px; } #ctaBoA, #ctaMerrill, #ctaAppt { background-size:30px auto; background-position:16px 44px; } } @media only screen and (max-width: 320px) {/* viewport up to 320px */ .savVInvTabs { left:-14px; } } </style> <script> // Preloads background images var pic01 = new Image(); var pic02 = new Image(); var pic03 = new Image(); var pic04 = new Image(); var pic05 = new Image(); var pic06 = new Image(); var pic07 = new Image(); var pic08 = new Image(); var pic09 = new Image(); var pic10 = new Image(); var pic11 = new Image(); var pic12 = new Image(); var pic13 = new Image(); var pic14 = new Image(); var pic15 = new Image(); var pic16 = new Image(); var pic17 = new Image(); var pic18 = new Image(); var pic19 = new Image(); var pic20 = new Image(); var pic21 = new Image(); var pic22 = new Image(); var pic23 = new Image(); var pic24 = new Image(); pic01.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-savings-piggy-bank-scalable-white.png"; pic02.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-scalable-white.png"; pic03.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable-white.png"; pic04.src="/Publish/Content/image/png/GWMOL/ME-caret-blue-10x16-left.png"; pic05.src="/Publish/Content/image/png/GWMOL/ME-caret-blue-10x16-right.png"; pic06.src="/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-left.png"; pic07.src="/Publish/Content/image/png/GWMOL/ME-caret-grey-10x16-right.png"; pic08.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-cash-dollar-bill-scalable-white.png"; pic09.src="/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-2-desk.jpeg"; pic10.src="/Publish/Content/image/jpeg/GWMOL/ME-starting-out-saving-tab-bg-2-mobile.jpeg"; pic11.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24.png"; pic12.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24-grey.png"; pic13.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-cash-24x24.png"; pic14.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24.png"; pic15.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-plan-24x24.png"; pic16.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-document-24x24.png"; pic17.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-clearing-24x24.png"; pic18.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-pie-24x24.png"; pic19.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-calculator-24x24.png"; pic20.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-online-24x24.png"; pic21.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-chart-24x24.png"; pic22.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-chart-24x24-grey.png"; pic23.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-withdraw-24x24.png"; pic24.src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-24x24.png"; $GE.JQ(function() { // Main tabs script $(".contentTab").on("click keypress", function() { if (event.type == "click" || event.type == "keypress" && event.which == 13) { var tabID = ($(this).attr('id')); var tabClass = tabID.slice(0, -3); console.log(tabID); console.log(tabClass); $('.contentTab').not(tabID).removeClass('selected'); $('.contentTab#' + tabID).addClass('selected'); $('.contentTab').not(tabID).attr('aria-selected','false'); $('.contentTab#' + tabID).attr('aria-selected','true'); $('.contentShell').not(tabClass).addClass('hide').removeClass('show'); $('.contentShell.' + tabClass).addClass('show').removeClass('hide'); } }); // Changes arrow color for Bubble carousel items if ($('#dot1').hasClass('active')) { $('.arrow.left').addClass('ending'); } else { $('.arrow.left').removeClass('ending'); } $('a.bubble, .arrow, .dot').click(function () { if ($('#dot1').hasClass('active')) { $('.arrow.left').addClass('ending'); } else { $('.arrow.left').removeClass('ending'); } if ($('#dot3').hasClass('active')) { $('.arrow.right').addClass('ending'); } else { $('.arrow.right').removeClass('ending'); } }); // "Steps" module accordions $(".budgetMod").on("click keypress", function() { if (event.type == "click" || event.type == "keypress" && event.which == 13) { $(this).toggleClass('active') if ($(this).hasClass('active')) { $(this).attr('aria-expanded','true'); $(this).find('.budgetText').attr('aria-hidden','false'); } else { $(this).attr('aria-expanded','false'); $(this).find('.budgetText').attr('aria-hidden','true'); } } }); // Range slider 1 scripts var slider = document.getElementById("myRange"); var output = slider.value; slider.oninput = function() { output = this.value; console.log(output); if (this.value == 1) { console.log('one'); $('#myRange').attr('value','1'); $('#myRange').css('--webkitProgressPercent', '0%'); $('.rangeChart.rc01').addClass('show-image'); $('.rangeChart').not('.rc01').removeClass('show-image'); $('.range-label.rl01').addClass('active'); $('.range-label').not('.rl01').removeClass('active'); } if (this.value == 2) { console.log('two'); $('#myRange').attr('value','2'); $('#myRange').css('--webkitProgressPercent', '33%'); $('.rangeChart.rc02').addClass('show-image'); $('.rangeChart').not('.rc02').removeClass('show-image'); $('.range-label.rl02').addClass('active'); $('.range-label').not('.rl02').removeClass('active'); } if (this.value == 3) { console.log('three'); $('#myRange').attr('value','3'); $('#myRange').css('--webkitProgressPercent', '66%'); $('.rangeChart.rc03').addClass('show-image'); $('.rangeChart').not('.rc03').removeClass('show-image'); $('.range-label.rl03').addClass('active'); $('.range-label').not('.rl03').removeClass('active'); } if (this.value == 4) { console.log('four'); $('#myRange').attr('value','4'); $('#myRange').css('--webkitProgressPercent', '100%'); $('.rangeChart.rc04').addClass('show-image'); $('.rangeChart').not('.rc04').removeClass('show-image'); $('.range-label.rl04').addClass('active'); $('.range-label').not('.rl04').removeClass('active'); } }; // Range slider 2 scripts var slider = document.getElementById("myRange2"); var output = slider.value; slider.oninput = function() { output = this.value; console.log(output); if (this.value == 1) { console.log('one'); $('#myRange2').attr('value','1'); $('#myRange2').css('--webkitProgressPercent', '0%'); $('.rangeChart2.rc01a').addClass('show-image'); $('.rangeChart2').not('.rc01a').removeClass('show-image'); $('.range-label.rl01a').addClass('active'); $('.range-label').not('.rl01a').removeClass('active'); } if (this.value == 2) { console.log('two'); $('#myRange2').attr('value','2'); $('#myRange2').css('--webkitProgressPercent', '100%'); $('.rangeChart2.rc02a').addClass('show-image'); $('.rangeChart2').not('.rc02a').removeClass('show-image'); $('.range-label.rl02a').addClass('active'); $('.range-label').not('.rl02a').removeClass('active'); } }; // Debt strategy image scripts $('a.bfButton').click(function () { var buttonID = ($(this).attr('id')); var imageID = buttonID.slice(0, -6); console.log(buttonID); console.log(imageID); $(this).addClass('selected'); $('a.bfButton').not(this).removeClass('selected'); //$('a.bfButton .coda').not(imageID).html(''); //$('a.bfButton.' + imageID + ' .coda').html(' selected'); $('.bfImage').not(imageID).addClass('hide').removeClass('show'); $('.bfImage.' + imageID).addClass('show').removeClass('hide'); //$('.bfImage .coda').not(imageID).html(''); //$('.bfImage.' + imageID + ' .coda').html(' selected'); }); // Saving vs. investing tabs $('a.sviButton').click(function () { var buttonID = ($(this).attr('id')); var contentID = buttonID.slice(0, -6); console.log(buttonID); console.log(contentID); $(this).addClass('selected'); $('a.sviButton').not(this).removeClass('selected'); $('a.sviButton').find('.coda').html(''); $(this).find('.coda').html(' selected'); $('.sviContent').not(contentID).addClass('hide').removeClass('show'); $('.sviContent.' + contentID).addClass('show').removeClass('hide'); if ($('#svi1Button').hasClass('selected')) { $(this).parent().addClass('svi1').removeClass('svi2'); } else { $(this).parent().addClass('svi2').removeClass('svi1'); } }); // Life Events topic accordions $('a.eventsHL').on('click', function (event) { var headlineID = ($(this).attr('id')); var contentID = headlineID.slice(0, -2); console.log(headlineID); console.log(contentID); $('.enContent.' + contentID).toggle('slow'); $(this).toggleClass('opened closed'); if ($(this).hasClass('opened')) { $(this).attr('aria-expanded', 'true'); $('.enContent.' + contentID).attr('aria-hidden', 'false'); } else { $(this).attr('aria-expanded', 'false'); $('.enContent.' + contentID).attr('aria-hidden', 'true'); } }); // Life Events topic selection $('a.eventsTopic').on('click', function (event) { var eventsID = ($(this).attr('id')); var infoID = eventsID.slice(0, -5); console.log(eventsID); console.log(infoID); $(this).addClass('selected'); $('a.eventsTopic').not(this).removeClass('selected'); $('a.eventsTopic').find('.coda').html(' topic'); $(this).find('.coda').html(' topic selected'); $('.eventsInfo').not(infoID).addClass('hide').removeClass('show'); $('.eventsInfo.' + infoID).addClass('show').removeClass('hide'); }); // Scrolls Life Events cards left $('a.left').on('click', function (event) { var leftID = ($(this).attr('id')); var scrollID = leftID.slice(0, -4) + 'ECF'; console.log(leftID); console.log(scrollID); $('#' + scrollID).animate({ scrollLeft: "-=386px" }, "slow");; }); // Scrolls Life Events cards right $('a.right').on('click', function (event) { var rightID = ($(this).attr('id')); var scrollID = rightID.slice(0, -5) + 'ECF'; console.log(rightID); console.log(scrollID); $('#' + scrollID).animate({ scrollLeft: "+=386px" }, "slow"); }); // Turns off mobile width scrolling for solo Life Events cards $('.eventsCardFlex').each(function() { var ecfID = ($(this).attr('id')); var cardNum = $('#' + ecfID + ' a.eventsCard').length; console.log(ecfID); console.log(cardNum); if (cardNum < 2) { $(this).parent().find('.scrollNavShell').css({'display': 'none'}); } }); }); </script>   <style> body:after { position:absolute; width:0; height:0; overflow:hidden; z-index:-1; content: url(/Publish/Content/image/png/GWMOL/acd-c-small-left-white.png) url(/Publish/Content/image/png/GWMOL/acd-c-open.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close.png) url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png) url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png); } #etheader { display:none; } .spaced { display:none; } .menuShell { align-items:center; display:flex; justify-content:flex-start; height:56px; padding:0 15px; } #mobile-logo { margin:0 auto 0 0; } #mobile-logo .site-logo { margin:0; } #mobile-oao-link a, #mobile-sign-in a { display:inline-block; font-size:14px; margin:0 30px 0 0; } a.burger-open { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-v2.png) no-repeat center center; display:block; height: 11px; margin:0; padding:0; text-decoration:none; width: 30px; } a.burger-close { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close-v2.png) no-repeat center center; display:block; height:18px; margin:0; padding:0; text-decoration:none; width:30px; } /* Accordion(s) */ 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else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a#SignIn_header').attr('href', function(i, href) { return myurl + href; }); }); /* $GE.JQ(function() { var is_mobile = false; if( $('#etheader').css('display')!=='none') { is_mobile = true; console.log("Mobile View :: " + is_mobile); } }); */ </script> <div id="etheader"> <div class="menuShell txt-brand"> <div id="mobile-logo"> <div class="site-logo" data-widget="Site Logo"> <a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> <div id="mobile-oao-link"> <a name="mobileHeaderOAO" id="mobileHeaderOAO" href="/global-oao">Open an account</a> </div> <div id="mobile-sign-in"> <a name="SignIn_header" id="SignIn_header" class="mobile-sign-in" href="/login/login.aspx?sgt=3&sitesrc=mobile&_tps=963edc82b68641a49fbca77fd58b2d9b">Login</a> </div> <div id="topmenu"> <a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#"><span class='adahidden'>Open Menu bar</span></a> </div> </div> </div> <div class="spaced"> </div> <div id="toc"> <ul class="mobileNav level1"> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Why Merrill</a> <ul class="level2" aria-hidden="true" id="content-1"> <li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a">How Are We Different?</a> <ul class="level3" aria-hidden="true" id="content-1a"> <li><a name="NavPricing" id="NavPricing" href="/pricing">Pricing & Fees</a></li> <li><a name="NavPR" id="NavPR" href="/preferred-rewards">BofA Preferred Rewards</a></li> <li><a name="NavInsights" id="NavInsights" href="/research/perspectives">Insights</a></li> <li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li> <li><a name="NavMobile" id="NavMobile" href="/mobile-investing">Mobile Investing</a></li> <li><a name="NavESG" id="NavESG" href="/sustainable-investing">Sustainable Investing</a></li> <li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings">Awards & Accolades</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Invest</a> <ul class="level2" aria-hidden="true" id="content-2"> <li><a name="NavInvesting" id="NavInvesting" href="/investing">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a">Ways to Manage Accounts</a> <ul class="level3" aria-hidden="true" id="content-2a"> <li><a name="NavMESD" id="NavMESD" href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</sup> Self-Directed</a></li> <li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li> <li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor">Investing with an Advisor</a></li> <li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments">Compare all</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2b" aria-expanded="false" id="accordion-control-2b">Investment Accounts</a> <ul class="level3" aria-hidden="true" id="content-2b"> <li><a name="NavBrokerage" id="NavBrokerage" href="/investing/brokerage-accounts">General Investing</a></li> <li><a name="NavEdu" id="NavEdu" href="/education-savings">Education Accounts</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2c" aria-expanded="false" id="accordion-control-2c">Investment Products</a> <ul class="level3" aria-hidden="true" id="content-2c"> <li><a name="NavStocks" id="NavStocks" href="/investing/stocks">Stocks</a></li> <li><a name="NavMFs" id="NavMFs" href="/investing/mutual-funds">Mutual Funds</a></li> <li><a name="NavETFs" id="NavETFs" href="/investing/etf">ETFs</a></li> <li><a name="NavFixed" id="NavFixed" href="/investing/fixed-income-bonds">Fixed Income & Bonds</a></li> <li><a name="NavCDs" id="NavCDs" href="/investing/certificate-of-deposit">CDs</a></li> <li><a name="NavOptions" id="NavOptions" href="/investment-products/options">Options</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2d" aria-expanded="false" id="accordion-control-2d">Trading</a> <ul class="level3" aria-hidden="true" id="content-2d"> <li><a name="NavMargin" id="NavMargin" href="/investing/margin-trading">Margin Trading</a></li> <li><a name="NavOEQ" id="NavOEQ" href="/investing/order-execution-trading">Order Execution Quality</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2e" aria-expanded="false" id="accordion-control-2e">Investment Tools</a> <ul class="level3" aria-hidden="true" id="content-2e"> <li><a name="NavIdea" id="NavIdea" href="/idea-builder">Idea Builder</a></li> <li><a name="NavMEMP" id="NavMEMP" class="noborder" href="/dashboard">Merrill Edge MarketPro<sup>®</sup></a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Plan</a> <ul class="level2" aria-hidden="true" id="content-3"> <li><a name="NavGuidance" id="NavGuidance" href="/guidance">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-3a" aria-expanded="false" id="accordion-control-3a">Tools</a> <ul class="level3" aria-hidden="true" id="content-3a"> <li><a name="NavPRC" id="NavPRC" href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li> <li><a name="NavCCC" id="NavCCC" href="/college-savings/college-cost-calculator">College Cost Calculator</a></li> <li><a name="NavIST" id="NavIST" href="/retirement/ira/selector-tool">Retirement Account Selector</a></li> <li><a name="Nav401kTool" id="Nav401kTool" href="/retirement/401k-rollover-calculator">401(k) Rollover Tool</a></li> <li><a name="Nav529Calc" id="Nav529Calc" href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li> <li><a name="NavAllTools" id="NavAllTools" href="/guidance/tools">View all tools</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-3b" aria-expanded="false" id="accordion-control-3b">Life Planning</a> <ul class="level3" aria-hidden="true" id="content-3b"> <li><a 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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="startBanner"> <div class="wrapper-3 twentyFour"> <h1 class="txt-brand">Early in your career </h1> <div class="startBannerText">It's critical to get a handle on your day-to-day expenses and prepare for unexpected costs so you can save and invest for future goals.</div> </div> </div>  <div class="tabsPrice scroll wrapper-3" role="tablist" class="manual"> <div id="content1Tab" class="contentTab selected" type="button" role="tab" aria-selected="true" tabindex="0"> <span class="focus">Manage expenses and debt</span> </div> <div id="content2Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Plan for the unexpected</span> </div> <div id="content3Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Save for retirement</span> </div> <div id="content4Tab" class="contentTab" type="button" role="tab" tabindex="0" aria-selected="false" tabindex="-1"> <span class="focus">Invest for other goals</span> </div> </div>  <div class="contentShell content1 show" role="tabpanel" aria-labelledby="content1Tab"> <div class="wrapper-3"> <div class="contentFlex nav"> <div class="width612"> <h2>Manage expenses</h2> <div class="contentText">Help set yourself up for financial success by understanding the basics of budgeting and debt management. </div> </div> <div class="width564">  <div class="bubbles"> <a href="javascript:void(0);" class="bubble b1" name="bb1" id="bb1" role="button" tabindex="0" onclick="currentSlide(1);"> <div>Budgeting<span class="adahidden">Slide 1 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble b2" name="bb2" id="bb2" role="button" tabindex="0" onclick="currentSlide(2);"> <div>Spending<span class="adahidden">Slide 2 of 3</span></div> </a> <a href="javascript:void(0);" class="bubble b3" name="bb3" id="bb3" role="button" tabindex="0" onclick="currentSlide(3);"> <div>Debt<span class="adahidden">Slide 3 of 3</span></div> </a> </div> </div> </div> </div>  <div class="mySlides"> <div class="wrapper-3"> <div class="contentFlex budget "> <div class="textMod width564"> <h3>Creating a budget</h3> <div class="contentText pb-15">A budget can help you efficiently manage your finances, prioritize your needs vs. your wants and work towards your financial goals. </div> <div class="contentText pb-30">Click through these steps to help get you started. </div> <div><a class="cta orange m" name="VideoBudget" id="VideoBudget" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/set-budget-stick-to-it"><span class="video">Play video to learn more<span class="adahidden"> about creating a budget</span></span></a></div> </div> <div class="imgMod width612"> <div class="budgetMod bg1 active" role="button" tabindex="0" aria-expanded="true"> <span class="adahidden">Item 1 of 6</span> <h4>Calculate your net income</h4> <div class="budgetText" aria-hidden="false">Your net income is your take-home pay — your total wages or salary minus deduction for taxes and employer provided programs like retirement plans and health insurance. </div> </div> <div class="budgetMod bg2" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 2 of 6</span> <h4>Tracking your spending </h4> <div class="budgetText" aria-hidden="true">Tracking and categorizing your expenses can help you determine what you are spending the most money on and where it might be easiest to save.</div> </div> <div class="budgetMod bg3" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 3 of 6</span> <h4>Set realistic goals</h4> <div class="budgetText" aria-hidden="true">Short-term goals like paying down debt should take around 1 to 3 years to achieve. Long-term goals, such as saving for retirement or your child's education, may take decades to reach.</div> </div> <div class="budgetMod bg4" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 4 of 6</span> <h4>Make a plan</h4> <div class="budgetText" aria-hidden="true">Look at how much you're spending and what you're spending your money on. Then, compare that to your net income and priorities. Consider setting specific and realistic spending limits for each category of expenses.</div> </div> <div class="budgetMod bg5" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 5 of 6</span> <h4>Adjust your spending to stay on a budget</h4> <div class="budgetText" aria-hidden="true">Make any necessary adjustments so that you don't overspend and have money to put toward your goals. Look toward your "wants" as the first area for cuts. Can you skip movie night in favor of a movie at home? </div> </div> <div class="budgetMod bg6" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 6 of 6</span> <h4>Review your budget regularly</h4> <div class="budgetText" aria-hidden="true">Few elements of your budget are set in stone: You may get a raise, your expenses my change or you may reach a goal and want to plan for a new one.</div> </div> </div> </div> </div> <div class="contentFlex sliderMods"> <div class="width564 fiftyRule"> <h3>Using the 50/30/20 rule to balance your spending and savings</h3> <div class="contentText pb-15">Many people divide their budgets according to the 50/30/20 rule, a common guideline for budgeting that organizes spending into 50% for necessities, 30% for wants and 20% for savings — including retirement, paying down debt and unexpected expenses. </div> <div class="contentText pb-30">Drag the slider to see what a 50/30/20 budget would be at different monthly incomes. You can also use our interactive worksheet to create your budget. </div> <div><a class="cta orange m" name="Worksheet" id="Worksheet" target="_blank" href="https://images.em.bankofamerica.com/HOST-07-19-0101/SHEET-02-19-0574_ADA.pdf"><span>Try it out (PDF)<span class="adahidden"> budgeting worksheet</span></span></a></div> </div> <div class="width612 findBudget"> <div class="sliderShell" aria-hidden="true"> <h4>Find your 50/30/20 budget</h4> <div class="sliderEnd"> <div class="sliderImages desk"> <div class="rangeChart rc01 show-image"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1a-1500-desk.jpeg" alt="" /></div> <div class="rangeChart rc02"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1b-3000-desk.jpeg" alt="" /></div> <div class="rangeChart rc03"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1c-4500-desk.jpeg" alt="" /></div> <div class="rangeChart rc04"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1d-7000-desk.jpeg" alt="" /></div> </div> <div class="sliderImages mobile"> <div class="rangeChart rc01 show-image"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1a-1500-mobile.jpeg" alt="" /></div> <div class="rangeChart rc02"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1b-3000-mobile.jpeg" alt="" /></div> <div class="rangeChart rc03"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1c-4500-mobile.jpeg" alt="" /></div> <div class="rangeChart rc04"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-1d-7000-mobile.jpeg" alt="" /></div> </div> <div class="sliderFlex"> <div class="sliderText"> <div class="sliderText1"><strong>Monthly income: </strong></div> <div class="net coolGray10">(Net income)</div> </div> <div class="sliderRange"> <div class="range-labels"> <div class="range-label rl01 active">$1,500 </div> <div class="range-label rl02">$3,000 </div> <div class="range-label rl03">$4,500 </div> <div class="range-label rl04">$7,000 </div> </div> <input type="range" id="myRange" name="myRange" min="1" max="4" value="1" style="--webkitProgressPercent: 0%;" autocomplete="off"> </div> </div> </div> </div> <span class="adahidden"> Bar chart titled "Find your 50/30/20 budget" illustrating Needs (50%), Wants (30%) and Savings (20%) based on monthly income (net income) break points of $1,500, $3,000, $4,500, $7,000. Monthly income of $1,500; Needs (50%) totals $750; Wants (30%) totals $450; Savings (20%) $300. Monthly income of $3,000; Needs (50%) totals $1,500; Wants (30%) totals $900; Savings (20%) $600. Monthly income of $4,500; Needs (50%) totals $2,250; Wants (30%) totals $1,350; Savings (20%) $900. Monthly income of $7,000; Needs (50%) totals $3,500; Wants (30%) totals $2,100; Savings (20%) $1,400. </span> <div class="contentDisc">This chart is a hypothetical example meant for illustrative purposes only. It does not reflect an actual investment, nor does it account for the effects of taxes, any investment expenses or withdrawals.</div> </div> </div> </div>  <div class="mySlides"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3>Spending analysis </h3> <div class="contentText pb-30">In order to get a handle on your expenses, you need to know where your money is going. As a Bank of America client, you can get a breakdown of your spending, set a budget and track your progress. </div> <div><a class="cta orange m" name="Analysis" id="Analysis" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/how-to-manage-spending"><span>Try it out<span class="adahidden">: the Bank of America Spending Analysis tool</span></span></a></div> </div> <div class="width612 imgMod spendGraphic"> <img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-spending-analysis-tool.jpeg" alt="Image of the Bank of America Spending Analysis tool showing an example of client spending in April 2021 at a total of $21,460.83 and in August at a total of $216.80 with $191.80 of that total being spent on Home & Utilities." /> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>How does your spending measure up?</h3> </div> <div class="knowText kt1">See what people like you are spending on their monthly expenses. <a name="Spending" id="Spending" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/spending-tool">Learn more with the <span class="nowrap">Bank of America tool</span></a></div> </div> </div> </div>  <div class="mySlides"> <div class="wrapper-3"> <div class="contentFlex"> <div class="width564 textMod"> <h3 class="stratH3">Strategies for paying down debt</h3> <div class="contentText pb-15">If you find yourself having to manage and pay off debt, you're not alone. While some types of debt can be an effective financial tool, other types like high-interest credit cards, can create a financial drain. It's critical to have a debt repayment plan and stick to it. </div> <div class="contentText pb-30">Watch this video to learn about different approaches for paying off debt — the Snowball Method (pay down smaller amounts first) and the High Rate Method (pay down your higher interest debt first) — and see which may be right for you. </div> <div><a class="cta orange m" name="VideoDebt" id="VideoDebt" target="_blank" href="https://bettermoneyhabits.bankofamerica.com/en/debt/strategies-for-paying-debts"><span class="video">Play video to learn more<span class="adahidden"> about strategies for paying down debts</span></span></a></div> </div> <div class="width612 imgMod"> <span class="adahidden"> Bar chart titled "Student Loans" illustrating average debt per borrower. Federal loan yields a lifetime total of $37,787 in debt. Private loan yields a lifetime total of $54,921 in debt. Bar chart titled "Credit Cards" illustrating average interest paid per person. The typical person will spend $279,002 over a lifetime on credit card interest. </span> <div class="stratBox" aria-hidden="true"> <div class="buttonFlex"> <a class="bfButton loans selected" id="loansButton" href="javascript:void(0);">Student Loan</a> <a class="bfButton cards" id="cardsButton" href="javascript:void(0);">Credit Cards</a> </div> <div class="bfImage loans show"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-2a-student-loans-desk.jpeg" alt="" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-2a-student-loans-mobile.jpeg" alt="" /> </div> <div class="bfImage cards hide"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-2b-credit-cards-desk.jpeg" alt="" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-2b-credit-cards-mobile.jpeg" alt="" /> </div> </div> <div class="contentDisc pb-10">Report on Average Student Loan Debt in 2021; educationdata.org/average-student-loan-debt; updated January 2023 (accessed February 6, 2023)</div> <div class="contentDisc">Lifetime Cost of Debt, Credit.com credit.com/lifetime-cost-of-debt (accessed February 6, 2023) </div> </div> </div>  <div class="knowFlex"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">If you're looking to borrow money, lenders are looking at your credit. Bank of America can help you understand the ins and outs of credit, including how to build or rebuild your credit score. <a class="nowrap" name="CreditScore" id="CreditScore" target="_blank" href="https://promotions.bankofamerica.com/consumer/financialwellness/credit-debt-management?sgm=adv">Learn more <span class="adahidden"> about credit</span></a></div> </div> </div> </div> <div class="mobileMenu"> <a href="javascript:void(0);" role="button" class="arrow left" onclick="plusSlides(-1);"><span class="adahidden">Previous slide of 3</span></a> <a class="dot" id="dot1" href="javascript:void(0);" role="button" onclick="currentSlide(1);"><span class="adahidden">Slide 1 of 3: Budgeting</span></a> <a class="dot" id="dot2" href="javascript:void(0);" role="button" onclick="currentSlide(2);"><span class="adahidden">Slide 2 of 3: Spending</span></a> <a class="dot" id="dot3" href="javascript:void(0);" role="button" onclick="currentSlide(3);"><span class="adahidden">Slide 3 of 3: Debt</span></a> <a href="javascript:void(0);" role="button" class="arrow right" onclick="plusSlides(1);"><span class="adahidden">Next slide of 3</span></a> </div> <script> // Slide show script var slideIndex = 1; showSlides(slideIndex); function plusSlides(n) { showSlides(slideIndex += n); } function currentSlide(n) { showSlides(slideIndex = n); } function showSlides(n) { var i; var slides = document.getElementsByClassName("mySlides"); var dots = document.getElementsByClassName("dot"); var bubbles = document.getElementsByClassName("bubble"); if (n > slides.length) {slideIndex = 1} if (n < 1) {slideIndex = slides.length} for (i = 0; i < slides.length; i++) { slides[i].style.display = "none"; } for (i = 0; i < dots.length; i++) { dots[i].className = dots[i].className.replace(" active", ""); $(dots[i]).find("span").remove(".callSelected"); } for (i = 0; i < bubbles.length; i++) { bubbles[i].className = bubbles[i].className.replace(" active", ""); $(bubbles[i]).find("span").remove(".callSelected"); } slides[slideIndex-1].style.display = "block"; dots[slideIndex-1].className += " active"; $(dots[slideIndex-1]).find("span").append("<span class='callSelected'> selected</span>"); bubbles[slideIndex-1].className += " active"; $(bubbles[slideIndex-1]).find("span").append("<span class='callSelected'> selected</span>"); } </script> </div>  <div class="contentShell content2 hide" role="tabpanel" aria-labelledby="content2Tab"> <div class="wrapper-3 twenty"> <div class="contentFlex nav"> <div class="width612"> <h2>Plan for the unexpected </h2> <div class="contentText">Expenses like car repairs or a hospital visit can come up at any time. Building up your cash savings (sometimes called an emergency fund or rainy day fund) can help you prepare for these moments and give you some peace of mind. </div> </div> <div class="width564"> <div class="bubbles single"> <div class="bubbleSolo plan"> <div>Unexpected<br /> expenses</div> </div> </div> </div> </div> <div class="contentFlex budget "> <div class="textMod width564"> <h3>Be prepared for emergencies</h3> <div class="contentText pb-15">Financial emergencies happen, but an emergency fund and insurance coverage can help protect your finances and replace expensive belongings. </div> <div class="contentText">Click through these steps to help get started. </div> </div> <div class="imgMod width612"> <div class="budgetMod emg1 active" role="button" tabindex="0" aria-expanded="true"> <span class="adahidden">Item 1 of 6</span> <h4>Break it down</h4> <div class="budgetText" aria-hidden="false">Start by saving small, manageable amounts — saving $100 a month would bring you to an amount of $1,200 after a year. </div> </div> <div class="budgetMod emg2" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 2 of 6</span> <h4>Pick something and cut it</h4> <div class="budgetText" aria-hidden="true">Everyday savings can add up. The key is to identify a specific expense to reduce, which is more effective than making a general resolution to "save money."</div> </div> <div class="budgetMod emg3" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 3 of 6</span> <h4>Put technology for work for you</h4> <div class="budgetText" aria-hidden="true">An easy way to save more consistently is to set up automatic transfers from your checking to your savings account. </div> </div> <div class="budgetMod emg4" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 4 of 6</span> <h4>Don't let debt get in the way</h4> <div class="budgetText" aria-hidden="true">If the rates and balances of your debts are lower and more manageable, you can consider allotting funds to both debt and savings each month.</div> </div> <div class="budgetMod emg5" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 5 of 6</span> <h4>Keep your funds accessible </h4> <div class="budgetText" aria-hidden="true">Consider creating a separate, interest-bearing, FDIC-insured savings or money market account that allows you to easily access your emergency fund when you need it. </div> </div> <div class="budgetMod emg6" role="button" tabindex="0" aria-expanded="false"> <span class="adahidden">Item 6 of 6</span> <h4>Now, up the ante </h4> <div class="budgetText" aria-hidden="true">Don't stop once you've hit your initial savings target. Steadily increase your savings goals until you have put aside enough money to cover your expenses for six to nine months.</div> </div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">The time to review your home or renters policy is before you have a loss.</div> </div> </div> </div>  <div class="contentShell content3 hide" role="tabpanel" aria-labelledby="content3Tab"> <div class="wrapper-3 twenty"> <div class="contentFlex nav"> <div class="width612"> <h2>Save for retirement</h2> <div class="contentText ctShort">Retirement may not be a priority quite yet, but it's important to start saving early — even if it's only a small amount at first. The more time your money has the opportunity to grow, the better prepared you'll be. </div> </div> <div class="width564"> <div class="bubbles single"> <div class="bubbleSolo retire"> <div>Retirement<br />savings</div> </div> </div> </div> </div> <div class="contentFlex"> <div class="width564 textMod"> <h3>Make the most of your income</h3> <div class="contentText pb-15">Especially when you're starting out, contributing at least enough to receive the company match for your employer sponsored retirement plan (e.g., 401k) may make sense, considering that future healthcare costs and inflation could add up to more than you think. If you can't contribute much right now, stretch as far as you can and commit to increasing your contribution when you get a raise or pay off a large expense. </div> <div class="contentText pb-30" aria-hidden="true">Drag the slider to see how increasing your contribution by 1% or 2% can add up over time. If your employer's plan offers an automatic increase feature — which regularly increases your contribution rate over time — consider signing up. If you have maxed out your employer sponsored plan, you may be able to save more in IRAs.</div> <span class="adahidden">Increasing your contribution by 1% or 2% can add up over time. If your employer's plan offers an automatic increase feature — which regularly increases your contribution rate over time — consider signing up. If you have maxed out your employer sponsored plan, you may be able to save more in IRAs.</span> <div><a class="cta orange m" name="sixSteps" id="sixSteps" target="_blank" href="/article/6-steps-to-jumpstart-retirement-savings"><span>Learn more <span class="adahidden"> about retirement savings</span></span></a></div> </div> <div class="width612 imgMod"> <div class="sliderShell ss2"> <h4>Potential account balance <span class="nowrap">($40,000 salary)</span></h4> <div class="sliderEnd" aria-hidden="true"> <div class="sliderImages desk"> <div class="rangeChart2 rc01a show-image"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-3a-4-percent-desk.jpeg" alt="" /></div> <div class="rangeChart2 rc02a"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-3b-5-percent-desk.jpeg" alt="" /></div> </div> <div class="sliderImages mobile"> <div class="rangeChart2 rc01a show-image"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-3a-4-percent-mobile.jpeg" alt="" /></div> <div class="rangeChart2 rc02a"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-starting-out-graph-3b-5-percent-mobile.jpeg" alt="" /></div> </div> <div class="sliderFlex sf2"> <div class="sliderText"> <div class="sliderText1"><strong>Contribution %</strong></div> <div class="sliderText2 coolGray10">(Pre-tax)</div> </div> <div class="sliderRange"> <div class="range-labels"> <div class="range-label rl01a active">4% </div> <div class="range-label rl02a">5% </div> </div> <input type="range" id="myRange2" name="myRange2" min="1" max="2" value="1" style="--webkitProgressPercent: 0%;" autocomplete="off"> </div> </div> </div> </div> <span class="adahidden"> Bar graph with y-axis showing "potential account balance" in $25k increments from $0 to $175k and x-axis showing 20 and 30 "years to grow." Below the graph is a graph key showing that dark blue bars represent a "4% pre-tax contribution rate" and that the lighter blue bars represent a "5% pre-tax contribution rate" based on a "$40,000 salary." Earnings with 20 years of growth are "$61,451" for a 4% pre-tax contribution rate, and "$76,699" for a 5% pre-tax contribution rate. Earnings with 30 years of growth are "$133,601" for a 4% pre-tax contribution rate and "$166,750" for a 5% pre-tax contribution rate. </span> <div class="contentDisc">Assumes a salary of $40,000, contribution rates of 4% and 5% with contributions made at the end of the month and a 6% annual effective rate of return. Hypothetical results are for illustrative purposes only and are not meant to represent the past or future performance of any specific investment vehicle. Investment return and principal value will fluctuate, and when redeemed, the investments may be worth more or less than their original cost. Taxes are due on withdrawal. If you take a withdrawal prior to age 59½, you may also be subject to a 10% additional federal tax, unless an exception applies.</div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>Did you know?</h3> </div> <div class="knowText kt2">If your company doesn't offer a retirement plan, you can still save for the future. <a class="nowrap" name="RetTypes" id="RetTypes" target="_blank" href="/article/types-of-retirement-accounts">Learn more <span class="adahidden"> about retirement accounts</span></a></div> </div> </div> </div>  <div class="contentShell content4 hide" role="tabpanel" aria-labelledby="content4Tab"> <div class="wrapper-3 twenty"> <div class="contentFlex nav"> <div class="width612"> <h2>Invest for other goals </h2> <div class="contentText ctShort">Investing can offer an effective way to work towards a variety of financial goals. Even if you're only investing a small amount to begin, starting earlier can have an impact. </div> </div> <div class="width564"> <div class="bubbles single"> <div class="bubbleSolo goal"> <div>Prioritize<br />goals</div> </div> </div> </div> </div> <div class="contentFlex sviFlex"> <div class="width564 textMod sviText"> <h3>What's the difference between savings <span class="nowrap">and investing?</span></h3> <div class="contentText pb-15">Saving and investing can both play important roles in your finances. Saving is more appropriate for short-term needs like a home down payment, car purchase or any other expense you'll pay in the next 1-3 years. </div> <div class="contentText pb-15">Investing in stocks, bonds, mutual funds and ETFs, on the other hand, can be more appropriate for long-term goals of 3 years or more, because it gives your money the opportunity to grow and more time to recover from any market downturns. There is always the potential to lose money with investing, but with research and planning, you can find investments that offer you the appropriate amount of balance between risk and reward. </div> <div class="contentText pb-30">See more insights on how to get started. </div> <div><a class="cta orange m" name="StartInv" id="StartInv" target="_blank" href="/guidance/start-investing"><span>Learn more <span class="adahidden"> about investing</span></span></a></div> </div> <div class="width612 imgMod sviImg"> <div class="savVInvShell txt-brand"> <div class="savVInvTabs svi1"> <a class="sviButton selected" id="svi1Button" aria-role="button" href="javascript:void(0);"> <div>Saving <span class="adahidden"> information item 1 of 2 <span class="coda"> selected</span></span></div> </a> <a class="sviButton" id="svi2Button" aria-role="button" href="javascript:void(0);"> <div>Investing<span class="adahidden"> information item 2 of 2 <span class="coda"></span></span></div> </a> </div>  <div class="sviContent svi1 show"> <div class="sviItemFlex"> <div class="svifL">Time horizon:</div> <div class="svifR">Short-term needs (1-3 years)</div> </div> <div class="sviItemFlex"> <div class="svifL">Holdings:</div> <div class="svifR">Cash in the bank; <span class="nowrap">cash equivalent</span></div> </div> <div class="sviItemFlex"> <div class="svifL">Risk:</div> <div class="svifR">Your money may be FDIC-<span class="nowrap">insured or protected by SIPC</span></div> </div> <div class="sviItemFlex"> <div class="svifL">Cost:</div> <div class="svifR">Few or no fees</div> </div> <div class="sviItemFlex"> <div class="svifL">Strategy:</div> <div class="svifR">Just find the best rate</div> </div> <div class="sviItemFlex"> <div class="svifL">Growth potential:</div> <div class="svifR">Determined by your interest rate over time</div> </div> </div>  <div class="sviContent svi2 hide"> <div class="sviItemFlex"> <div class="svifL">Time horizon:</div> <div class="svifR">Long-term plans (generally 3 years or more)</div> </div> <div class="sviItemFlex"> <div class="svifL">Holdings:</div> <div class="svifR">Stocks, bonds, mutual funds, ETFs and more</div> </div> <div class="sviItemFlex"> <div class="svifL">Risk:</div> <div class="svifR">You can potentially <span class="nowrap">lose money</span></div> </div> <div class="sviItemFlex"> <div class="svifL">Cost:</div> <div class="svifR">Often has costs</div> </div> <div class="sviItemFlex"> <div class="svifL">Strategy:</div> <div class="svifR">Do research or get advice</div> </div> <div class="sviItemFlex"> <div class="svifL">Growth potential:</div> <div class="svifR">Determined by your choice <span class="nowrap">of investments</span></div> </div> </div> </div> </div> </div>  <div class="knowFlex center"> <div class="knowHL"> <h3>New(ish) to investing?</h3> </div> <div class="knowText kt2">Brush up on the basics with these insights and tips. <a class="nowrap" name="Basics" id="Basics" target="_blank" href="/investor-education/investing-basics">Learn more <span class="adahidden"> about investing basics</span></a></div> </div> </div> </div>   <div class="eventsShell coolGrayBg-10-05 "> <div class="wrapper-3 twenty"> <h2 class="txt-c">Managing through life's events</h2> <div class="eventsIntro txt-c">Throughout your life, you're going to experience important events — like getting married or divorced, having a baby, a job change — that will affect your finances. While some are planned, others are not. We're here to help you prepare for those <span class="nowrap">critical times.</span></div> <div class="eventsFlex"> <div class="eventsNav txt-brand"> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL work opened" id="workHL" aria-expanded="true">Work <span class="adahidden"> topics</span></a> <div class="enContent work show" aria-hidden="false"> <a href="javascript:void(0);" role="button" class="eventsTopic selected" id="jobFirstTopic">Your first job <span class="adahidden coda"> topic selected</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobChangeTopic">Changing jobs <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobLossTopic">Job loss <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="jobBizTopic">Starting a business <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL purch closed" id="purchHL" aria-expanded="false">Large purchases <span class="adahidden"> topics</span></a> <div class="enContent purch hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchHomeTopic">Buying a home <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchCarTopic">Buying a car <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="purchSaveTopic">Saving for a large purchase (travel, etc.) <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL fam closed" id="famHL" aria-expanded="false">Family <span class="adahidden"> topics</span></a> <div class="enContent fam hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famMarriedTopic">Getting married <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famStartTopic">Starting a family <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famDivorceTopic">Getting divorced <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famLovedTopic">Losing a loved one <span class="adahidden coda"> topic</span></a> <a href="javascript:void(0);" role="button" class="eventsTopic" id="famInherTopic">Receiving an inheritance <span class="adahidden coda"> topic</span></a> </div> </div> <div class="eventsMod"> <a href="javascript:void(0);" role="button" class="eventsHL health closed" id="healthHL" aria-expanded="false">Caregiving <span class="adahidden"> topics</span></a> <div class="enContent health hide" aria-hidden="true"> <a href="javascript:void(0);" role="button" class="eventsTopic" id="healthCareTopic">Caregiving <span class="adahidden coda"> topic</span></a> </div> </div> </div> <div class="eventsContent"> <div class="eventsInfo jobFirst show"> <h3>Your first job</h3> <div class="eventsText">Congratulations on reaching an important milestone. These resources can help you get your finances and working life off to a great start.</div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="oneLeft" id="oneLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="oneRight" id="oneRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="oneECF"> <a name="ecWork01" id="ecWork01" class="eventsCard" target="_blank" href="/article/4-tax-saving-moves-for-young-professionals-to-consider"> <h4>4 tax moves to consider early in your career</h4> <div class="ecType article"> <div>Article</div> </div> </a> </div> </div> <div class="eventsInfo jobChange hide"> <h3>Changing jobs</h3> <div class="eventsText">A job transition means considering how you'll handle employer-sponsored benefits like retirement accounts, along with insurance and other perks. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="twoLeft" id="twoLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="twoRight" id="twoRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="twoECF"> <a name="ecWork03" id="ecWork03" class="eventsCard" target="_blank" href="/article/should-i-take-the-job"> <h4>Changing jobs? How to decide if a job offer is worth it financially </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecWork04" id="ecWork04" class="eventsCard" target="_blank" href="/article/job-changers-financial-checklist"> <h4>Job-changer's financial checklist</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecWork05" id="ecWork05" class="eventsCard" target="_blank" href="/article/changing-jobs-or-retiring-dont-forget-your-retirement-savings"> <h4>Changing jobs or retiring? Do not forget your retirement savings! </h4> <div class="ecType article"> <div>Article</div> </div> </a> </div> </div> <div class="eventsInfo jobLoss hide"> <h3>Job loss</h3> <div class="eventsText">While it may be tempting to reach for retirement assets after losing a job, look for other sources that won't have an impact on your long-term plans. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="threeLeft" id="threeLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="threeRight" id="threeRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="threeECF"> <a name="ecWork06" id="ecWork06" class="eventsCard" target="_blank" href="/article/job-loss-checklist"> <h4>Job loss checklist </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecWork07" id="ecWork07" class="eventsCard" target="_blank" href="/article/lost-my-job-how-can-i-stay-on-track-financially"> <h4>I lost my job. How can I stay on track financially?</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecWork08" id="ecWork08" class="eventsCard" target="_blank" href="/retirement/rollover-ira"> <h4>You have choices — explore rolling over your retirement assets at Merrill<span class="adahidden">Footnote </span><sup>1</sup></h4> <div class="ecType article"> <div>Article</div> </div> </a> </div> </div> <div class="eventsInfo jobBiz hide"> <h3>Starting a business</h3> <div class="eventsText">Starting your own business can be exciting and challenging. Learn the basics of planning, preparing and launching your new endeavor. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="fourLeft" id="fourLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="fourRight" id="fourRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="fourECF"> <a name="ecWork09" id="ecWork09" class="eventsCard" target="_blank" href="https://www.bankofamerica.com/smallbusiness/resources/"> <h4>Bank of America<br /> Small Business Resources</h4>  </a> </div> </div> <div class="eventsInfo purchHome hide"> <h3>Buying a home</h3> <div class="eventsText">Whether you're a first-time buyer or already own a home and are looking to refinance or make a move, there are a lot of financial considerations connected to homeownership. These resources can help. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="fiveLeft" id="fiveLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="fiveRight" id="fiveRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="fiveECF"> <a name="ecPurch01" id="ecPurch01" class="eventsCard" target="_blank" href="/article/are-you-ready-to-buy-a-home"> <h4>Are you ready to buy a home </h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecPurch02" id="ecPurch02" class="eventsCard" target="_blank" href="/article/your-first-home-checklist"> <h4>Your first home checklist</h4> <div class="ecType article"> <div>Article</div> </div> </a> <a name="ecPurch03" id="ecPurch03" class="eventsCard" target="_blank" href="https://promotions.bankofamerica.com/homeloans/homeresourcecenter/preparingtobuy?subCampCode=94362&dmcode=18098621553"> <h4>Bank of America Home resource center </h4>  </a> </div> </div> <div class="eventsInfo purchCar hide"> <h3>Buying a car</h3> <div class="eventsText">A new car could be one of the most expensive purchases you make. Before you commit to the first vehicle that catches your eye, think about how to plan to use and pay for it. </div> <div class="scrollNavShell"> <div class="scrollNav"> <a href="javascript:void(0);" role="button" name="sixLeft" id="sixLeft" class="left"><span class="adahidden">Select to scroll left</span></a> <a href="javascript:void(0);" role="button" name="sixRight" id="sixRight" class="right"><span class="adahidden">Select to scroll right</span></a> <span class="adahidden">or swipe items below</span> </div> </div> <div class="eventsCardFlex" id="sixECF"> <a name="ecPurch04" id="ecPurch04" class="eventsCard" target="_blank" href="https://www.bankofamerica.com/auto-loans/"> <h4>Bank of America Auto loans</h4>  </a> </div> </div> <div class="eventsInfo purchSave hide"> <h3>Saving for a large purchase (travel, etc.)</h3> <div class="eventsText">Achieving a shorter-term goal like taking a vacation or buying a car calls for a disciplined savings approach. 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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></p> </div> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="oflo-hide"> <div class="fl pr-15"><a name="FooterLinkedIn" id="FooterLinkedIn" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img width="22" height="20" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" /></a></div> <div class="fl pr-15"><a name="FooterTwitter" id="FooterTwitter" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img width="18" height="18" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" /></a></div> <div class="fl pt-2"><a name="FooterYouTube" id="FooterYouTube" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img width="20" height="14" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" /></a></div> </div> </div> <div class="col col-4"> <div><h3>Unlimited $0 Trades</h3></div> <div class="w-180 lead-16 pb-5">With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimums<span class="adahidden">Footer footnote </span><sup>b</sup></div> <div class="w-180 lead-16 pb-15">Options contracts and other fees may apply<span class="adahidden">Footer footnote </span><sup>a</sup> </div> <div class="pb-5"><a name="footerOAO2" id="footerOAO2" href="/global-oao" class="cta orange"><span>Open an account<span class="adahidden"> with Merrill Edge Self-Directed</span></span></a></div> </div> </div> </div>  <div class="site-footer-980"> <div class="txt-gray2">  <span class="adahidden">Footer footnote </span><strong><script type="text/javascript"> var tradeSUP = "a";</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> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice. <br/> <br/> For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. </div>  <div class="txt-gray2"><strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong></div> <div class="gov-notice"> <table class="bold" role="presentation"> <tbody> <tr> <td style="text-align:center;">Are Not FDIC Insured</td> <td style="text-align:center;">Are Not Bank Guaranteed</td> <td style="text-align:center;">May Lose Value</td> </tr> <tr> <td style="text-align:center;">Are Not Deposits</td> <td style="text-align:center;">Are Not Insured by Any Federal Government Agency</td> <td style="text-align:center;">Are Not a Condition to Any Banking Service or Activity</td> </tr> </tbody> </table> </div> <p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <p><strong>The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.</strong></p> <p>Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.</p> <p>Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.</p> <p>Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.</p> <p><strong><em>Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.</em></strong></p> <p><strong>Expense Ratio</strong> – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.</p> <p>This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS1" id="FormCRS1" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.</span> </div>   <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, <a href="javascript:void(0);" id="DiscSIPC" name="DiscSIPC" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/sipc-interstitial','','270','280px');return false;">Member Securities Investor Protection (SIPC)<span class="adahidden"> popup</span></a> and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp"). </div>  <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p> <p>Merrill Lynch Life Agency Inc. 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}); 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":"starting-out","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\"\u003estarting-out\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ecphL2HeaderZone\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","starting-out","location","cphL2HeaderZone","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"starting-out","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\"\u003estarting-out\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","starting-out","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":"starting-out","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\"\u003estarting-out\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","starting-out","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":"starting-out","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\"\u003estarting-out\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","starting-out","location","phZoneR1","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":"starting-out","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\"\u003estarting-out\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","starting-out","location","phZoneR2","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":"starting-out","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\"\u003estarting-out\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=\"\"\u003ephZone3\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","starting-out","location","phZone3","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":"starting-out","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\"\u003estarting-out\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=\"\"\u003ephZone4\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","starting-out","location","phZone4","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_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"starting-out","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\"\u003estarting-out\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","starting-out","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>