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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 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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 />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:95px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a 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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="retirement" /><div class="zt-f " xmlns:xhtml="http://www.w3.org/1999/xhtml"><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div class="pt-wrap"><div id="dvPageTitle"><div id="ctl00_ctl00_siteContent_MainContent_cphL2HeaderZone" class="cphL2HeaderZone"> </div></div></div></div><div class="zone z-f1"><div class="z-f1-r"><div id="dvZone1"><div id="ctl00_ctl00_siteContent_MainContent_phZone1" class="phZone1"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1"> <div 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} #ctl00_ctl00_siteContent_navHeader { display: none; } .wrapper-3, .tabsIRA { padding:0 20px; } .wrapper-2 h2 { font-size:32px; } .iraBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-ira-banner-bg-tablet.jpeg); background-position:right top; } .wrapper-2 .iraBanner h2 { font-size:40px; max-width:44%; } .iraBannerText { max-width: 34%; } .findIndIRAFlex { flex-direction:column; padding:55px 0; } .findIRAImage { margin:0 auto 15px auto; max-width:414px; width:100%; } .findIRAImage img.desk { display:none; } .findIRAImage img.mobile { display:block; height:auto; max-width:414px; width:100%; } .findIRAText { margin:0 auto; min-height:100%; max-width:414px; padding:0 20px; width:100%;; } .findBlurb { padding:0 0 15px 0; } .benefitsShell { padding:50px 0 60px 0; } .benefitsFlex { flex-direction:column; } .benefitsText, .benefitsText.sb { margin:0 auto; min-height:100%; max-width:414px; width:100%; } .benefitsImage, .benefitsImage.sb { display:flex; justify-content:flex-end; margin:0 auto 35px auto; max-width:414px; order:-1; width:100%; } .benefitsImage img.desk, .benefitsImage.sb img.desk { max-width:414px; } .sbBenefitsShell { padding:50px 0 60px 0; } .sbBenefitsFlex { margin:0 auto; max-width:414px; flex-direction:column; } .sbBenefitsList { padding: 30px 20px; } .optionsFlex { flex-direction:column; padding:55px 0; } .optionsImage { margin:0 auto 10px auto; max-width:417px; width:100%; } .optionsImage img.desk { display:none; } .optionsImage img.mobile { display:block; height:auto; max-width:417px; width:100%; } .optionsText { margin:0 auto; min-height:100%; max-width:417px; padding:0 20px; width:100%; } .optionsBlurb { padding:0 0 15px 0; } .startShell { padding:80px 0; } .osChoicesLinks { margin:0 auto; max-width:600px; } .osChoices { padding:60px 20px 50px 20px; } .osChoicesText { font-size:16px; max-width:500px; padding:0 0 30px 0; } .mgiFaqs { padding:45px 0 50px 0; } .wrapper-2 .mgiFaqs h3 { font-size:18px; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-position:right 24px top 34px; padding:25px 75px 25px 16px; } .mgiFaqs .acd-a .acd-a-content { padding:0; } #etdisclosure { padding: 55px 0 40px 0; } #etfooter { display: block; font-size: 12px; color: #524940; background: #f0f0f0; padding: 30px 20px 30px 20px; } #dvFooter { display: none; } } @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, .tabsIRA, .findIRAText { padding:0 12px; } .wrapper-2 h2 { font-size:28px; } .iraBanner { align-items:flex-end; justify-content:flex-start; text-align:right; } .wrapper-2 .iraBanner h2 { font-size:36px; line-height:1.15; max-width:400px; padding:0 0 10px 0; } .iraBannerText { font-size:18px; max-width:275px; padding:0 0 21px 0; } .tabsIRA a { padding: 0 0 20px 0; text-align:left; } .tabsIRA a.active { border-bottom: 4px solid #012169; padding: 0 0 16px 0; } .tabsIRA a.ind { width:190px; margin:0 0 0 0; } .tabsIRA a.active.ind { margin:0 20px 0 0; } .tabsIRA a.biz { width:177px; } .tabsIRA a h2 { font-size:14px; } .mySlides { padding:35px 0 0 0; } .mySlides h2.accounts { max-width:90%; padding:0 0 50px 0; } .wrapper-2 h3.hl { font-size:14px; } .flexMod { margin:0 0 20px 0; width:100%; } .flexMod h4 { font-size:20px; font-weight:500; } .modCTA { padding:40px 0 70px 0; } .osChoicesLinks { max-width:400px; } .osChoicesLinks a { height:32px; font-size:14px; line-height:32px; margin:0 12px 12px 0; padding:0 15px; } .osChoicesLinks a:nth-of-type(3) { margin:0 0 12px 0; } .wrapper-2 .mgiFaqs h2 { padding: 0 0 30px 0; } .mgiFaqs .acd-a .acd-a-cmd { margin:0 0 15px 0; } .wrapper-2 .mgiFaqs h3 { font-family:Arial,Helvetica,sans-serif; font-size:14px; font-weight:600; padding:0 25px 0 0; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-position:right 24px top 34px; margin:0 0 16px 0; padding:28px 50px 28px 16px; } .mgiFaqs .acd-a .acd-a-content { font-size:14px; } #etdisclosure { font-size: 12px; padding: 30px 0; } #etfooter { padding: 20px; } } @media only screen and (max-width: 568px) {/* viewport up to 568px */ h3.hl.entrep { max-width:345px; } .wrapper-2 .osChoices h2 { margin:0 auto; max-width:330px; } .osChoicesText { line-height:1.5; max-width:330px; } } @media only screen and (max-width: 480px) {/* viewport up to 480px */ .findIRAText, .optionsText { width:auto; } .startShell .cta.orange.m { margin:0 0 40px 0; } .startHelpFlex > div { padding:45px 0 0 0; } .startHelpFlex { display:block; } .startHelpCall { margin:0 0 45px 0; } .wrapper-2 .startHelpFlex h3 { margin:0 0 10px 0; } .mgiFaqBg { background-image:none; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { padding:28px 26px 28px 16px; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .iraBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-ira-banner-bg-mobile.jpeg); background-position:right top; align-items: flex-start; text-align:left; } .wrapper-2 .iraBanner h2 { font-size:8.6vw; line-height:1.25; max-width:60%; padding:45px 0 10px 0; } .iraBannerText { font-family:arial, helvetica, sans-serif; font-size:16px; max-width:70%; padding:0 0 30px 0; } .benefitsImage img.desk { display:none; } .benefitsImage img.mobile { display:block; height:auto; max-width:363px; width:100%; } .benefitsImage.sb img.mobile { max-width:364px; } .osChoices h2 { margin:0 auto; max-width:250px; } } @media only screen and (max-width: 412px) {/* viewport up to 412px */ .wrapper-2 .iraBanner h2 { max-width:50%; } .tabsIRA a.ind { width:auto; margin:0 20px 0 0; } .tabsIRA a.biz { width:auto; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ .mySlides h2.accounts { max-width:100%; } .wrapper-2 .startShell h2 { font-size:9.6vw; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .tabsIRA a { padding: 0 0 22px 0; } .tabsIRA a.active { padding: 0 0 18px 0; } .tabsIRA a h2 { font-size:12px; } } </style> <script> $GE.JQ(function() { // FAQ accordion scripts $(".jq_expColAll").click(function () { if ($(this).html() == "Expand all") { $(this).html("Collapse all"); $(this).parent().parent().find(".acd-a-close").addClass("acd-a-open").removeClass("acd-a-close"); } else { $(this).html("Expand all"); $(this).parent().parent().find(".acd-a-open").removeClass("acd-a-open").addClass("acd-a-close"); } if ($(".acd-a-shell").hasClass('acd-a-open')) { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "true"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "false"); } else { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "false"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-open, .acd-a-close").on('click', function (event) { if ($(this).parent().parent().hasClass('jq_oneAtATime')) { $(this).parent().children().addClass('acd-a-close').removeClass('acd-a-open'); $(this).addClass('acd-a-open').removeClass('acd-a-close'); } else { $(this).toggleClass("acd-a-close").toggleClass("acd-a-open"); } if ($(this).hasClass('acd-a-open')) { $(this).find(".acd-a-head").attr("aria-expanded", "true"); $(this).find(".acd-a-content").attr("aria-hidden", "false"); } else { $(this).find(".acd-a-head").attr("aria-expanded", "false"); $(this).find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-content a").click(function (e) { e.stopPropagation(); }); // Deeplinks to business tab var pageURL = (window.location.href).toLowerCase(); if (pageURL.indexOf('?inpagetab=smallbusiness') > 0) { $('a.dot.biz').click(); window.location.href = '#top'; } }); </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) */ #acd-unit a { text-decoration:none; } #acd-unit a.acd-c-head-main { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-legal { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-tools { font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 500; } .acd-c { margin: 0 0 0 0; border:0; } .acd-c .acd-c-open, .acd-c .acd-c-close { margin: 0px; border:0; } .acd-c .acd-c-head { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; text-decoration:none; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-single { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-main { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; background-color: #ece6dd; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-legal { height: 45px; line-height: 45px; font-size: 16px; color: #ffffff; background-color: #6b5e51; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-tools { height: 45px; line-height: 45px; font-size: 16px; color: #0052C2; background-color: #ffffff; display: block; padding: 0 0 0 38px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c a.acd-c-head:hover { text-decoration: none; background-color: #f3efe7; } .acd-c a.acd-c-head-single:hover { text-decoration: none; background-color: #f3efe7; } 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url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-main { background: #ece6dd url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-legal { background: #6b5e51 url(/Publish/Content/image/png/GWMOL/acd-c-close-white.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-tools { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close-blue.png) no-repeat 20px 17px; } .acd-c .acd-c-close { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close a.acd-c-head:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-close a.acd-c-head-main:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-close a.acd-c-head-legal:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close-white.png); color: #ffffff; } .acd-c .acd-c-close a.acd-c-head-tools:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close-blue.png); color: #0052C2; } .acd-c .acd-c-close { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-content { background: #fff; padding: 0; margin: 0; } .acd-c .acd-c-close .acd-c-content { display: none; } /* End Accordion(s) */ a.button-mobile-blue { display:inline-block; color: #ffffff; text-decoration:none; background:#0052c2; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-blue:hover { background:#0073cf; text-decoration:none; } a.button-mobile-red { display:inline-block; color: #ffffff; text-decoration:none; background:#dc1431; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-red:hover { background:#d41230; text-decoration:none; } #toc { position: relative; z-index:999; display:none; width:100%; font-family: 'connections', Arial, Helvetica, sans-serif; } #toc a:link, a:visited { text-decoration: none; font-family: 'connections', Arial, Helvetica, sans-serif; } #toc a:hover, #toc a:active { text-decoration: none; } #toc ul { list-style: none; margin:0; } #toc ul.level2, #toc ul.level3 { display:none; } #toc ul li { cursor:pointer; margin:0; padding:0; } #toc ul li a { background-repeat:no-repeat; color: #493F36; display:block; font-size:14px; } #toc ul.level1 > li a { background-position:right 20px center; background-size:16px auto; height:auto; line-height:1; padding: 19px 0 19px 20px; } #toc ul.level1 > li a.closed { background-color:#ededed; background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png); border-bottom:1px solid #c3c3c3; } #toc ul.level1 > li 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ul.level1 > li a#navIFA { background-image:url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png); margin:0 auto; max-width:300px; } a#navIFA span { color:#493F36; } #toc .ctaNav { background-color:#ededed; border-bottom:1px solid #cccccc; border-top:1px solid #bfbfbf; padding:25px 20px; text-align:center; } #toc .ctaNav .cta.orange.m { box-sizing:border-box; font-size:14px; line-height:40px; height:40px; text-align:center; width:164px; } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #etheader { display:block; width:100%; height:56px; overflow:hidden; border-bottom: 1px solid #cccaca; position:fixed; top:0; z-index:99999; background:#ffffff; } .spaced { display:block; height:57px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 25px 0 0; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ #mobile-oao-link a, #mobile-sign-in a { margin:0 20px 0 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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 name="NavStartInv" id="NavStartInv" href="/guidance/start-investing">New to Investing</a></li> <li><a name="NavCollege" id="NavCollege" href="/college-savings">Plan for College</a></li> <li><a name="NavTax" id="NavTax" href="/guidance/tax-planning">Tax Plannning</a></li> <li><a name="NavStages" id="NavStages" class="noborder" href="/guidance/life-stages">Investing by Life Stages</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Retirement</a> <ul class="level2" aria-hidden="true" id="content-4"> <li><a name="NavRet" id="NavRet" href="/retirement">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4a" aria-expanded="false" id="accordion-control-4a">Solutions</a> <ul class="level3" aria-hidden="true" id="content-4a"> <li><a name="NavRollover" id="NavRollover" href="/retirement/rollover-ira">Rollover</a></li> <li><a name="NavTrad" id="NavTrad" href="/retirement/traditional-ira">Traditional IRA</a></li> <li><a name="NavRoth" id="NavRoth" href="/retirement/roth-ira">Roth IRA</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4b" aria-expanded="false" id="accordion-control-4b">Retirement Resources</a> <ul class="level3" aria-hidden="true" id="content-4b"> <li><a name="NavRetIncome" id="NavRetIncome" href="/retirement/retirement-income-planning">Income in Retirement</a></li> <li><a name="NavRetPlan" id="NavRetPlan" href="/retirement-planning">Plan for Retirement</a></li> <li><a name="NavRetTools" id="NavRetTools" href="/guidance/tools/retirement">Retirement Tools</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4c" aria-expanded="false" id="accordion-control-4c">Small Business</a> <ul class="level3" aria-hidden="true" id="content-4c"> <li><a name="NavSB401k" id="NavSB401k" href="/small-business/401k">Small Business 401(k)</a></li> <li><a name="Nav401k" id="Nav401k" href="/small-business/individual-401k">Individual 401(k)</a></li> <li><a name="NavSEP" id="NavSEP" href="/small-business/sep-ira">SEP IRA</a></li> <li><a name="NavSIMPLE" id="NavSIMPLE" href="/small-business/simple-ira">SIMPLE IRA</a></li> <li><a name="NavSB_All" id="NavSB_All" class="noborder" href="/small-business">View all plans</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Learn</a> <ul class="level2" aria-hidden="true" id="content-5"> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5a" aria-expanded="false" id="accordion-control-5a">Investing Insights & Education</a> <ul class="level3" aria-hidden="true" id="content-5a"> <li><a name="NavEdOverview" id="NavEdOverview" href="/investor-education">Overview</a></li> <li><a name="NavGetStarted" id="NavGetStarted" href="/guidance/start-investing">Get Started Investing</a></li> <li><a name="NavBasics" id="NavBasics"href="/investor-education/investing-basics">Investing Basics</a></li> <li><a name="NavInsights" id="NavInsights"href="/research/perspectives">Market & Investing Insights</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5b" aria-expanded="false" id="accordion-control-5b">Product Education</a> <ul class="level3" aria-hidden="true" id="content-5b"> <li><a name="NavStocksLearn" id="NavStocksLearn" href="/investor-education/understanding-stocks">Stocks</a></li> <li><a name="NavMFsLearn" id="NavMFsLearn" href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li> <li><a name="NavETFsLearn" id="NavETFsLearn" href="/investor-education/understanding-etfs">ETFs</a></li> <li><a name="NavFixedLearn" id="NavFixedLearn" href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li> <li><a name="NavOptionsLearn" id="NavOptionsLearn" href="/investor-education/options-education">Options</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed noborder help" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">Help When You Want It</a> <ul aria-hidden="true" id="content-6" class="level2 closed"> <div class="navHelpFlex"> <a name="navAnswers" id="navAnswers" class="ifaNo" href="/help-support">Find answers to<br /> common questions <span class="adahidden"> at Merrill</span></a> <a name="navAppt" id="navAppt" class="ifaNo" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/">Schedule an<br /> appointment<span class="adahidden"> with Merrill</span></a> <div class="ifaYes" style="display:none;"><a name="navIFA" id="navIFA" target="_blank" rel="noopener noreferrer" href="mailto:mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date."><span>To find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a></div> </div> </ul> </li> </ul> <div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> <script type="text/javascript"> // Script to create IFA tactic experience Sys.Application.add_init(function () { if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) { var pageTactic = __ETAttr.tactic_id.toUpperCase(); if (pageTactic == 'IFA') { // Show/hide content according to tactic if ($('.ifaNo').length) { $('.ifaNo').css('display', 'none'); } if ($('.ifaYes').length) { $('.ifaYes').css('display', 'block'); } } } }); </script>   <div class="wrapper-2 greyBG">  <div class="iraBanner wrapper-3 txt-brand"> <h1 class="adahidden">Retirement IRA</h1> <h2 class="txt-brand">Plan for the retirement you deserve</h2> <div class="iraBannerText">Merrill has the retirement solutions to help you achieve your goals.</div> <div><a name="ctaBanner" id="ctaBanner" class="cta orange" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=retirement_hub&oaounit=indiv_tab_cta_hero_comp&oaocampaign=baseline&oaoterm=ret_start_all"><span><span class="adahidden">Select to </span>Choose your retirement account</span></a></div> </div> <div class="pageAnchor"> <div id="tabsTop"></div> </div>  <div class="tabsIRA scroll"> <a href="javascript:void(0);" class="dot ind" onclick="currentSlide(1)"><h2>Solutions for individuals <span class="adahidden"> tab selected</span></h2></a> <a href="javascript:void(0);" class="dot biz" onclick="currentSlide(2)"><h2>Solutions for business <span class="adahidden"> tab</span></h2></a> </div>  <div class="mySlides IND"> <div class="wrapper-3"> <h2 class="txt-brand accounts ind">Maximize your retirement savings with solutions for individual investors, entrepreneurs and sole proprietors</h2>  <h3 class="hl ind txt-brand-b">Good for individual investors</h3> <div class="iraFlex"> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Rollover</h4> <div>By rolling over your existing retirement account, you can maintain your retirement plan's tax-deferred status while consolidating your assets. <a name="ChoicesInd" id="ChoicesInd" href="/retirement/should-i-roll-over-my-401k">Consider all your choices and learn if a rollover may be right for you</a>.<span class="adahidden">Footnote </span><sup>1</sup></div> <a class="learnMore" name="RolloverInd" id="RolloverInd" href="/retirement/rollover-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Rollover IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Traditional IRA</h4> <div>When you open a Traditional IRA account with Merrill, you may receive tax benefits and enjoy tax-deferred growth potential (contributions may be tax deductible).<span class="adahidden">Footnote </span><sup>2</sup></div> <a class="learnMore" name="TradInd" id="TradInd" href="/retirement/traditional-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Traditional IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Roth IRA</h4> <div>With a Merrill Roth IRA account, you can benefit from the potential to earn tax-free income and greater withdrawal flexibility in retirement. </div> <a class="learnMore" name="RothInd" id="RothInd" href="/retirement/roth-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Roth IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Inherited IRA</h4> <div>If you've inherited retirement assets, you may be able to transfer them into an inherited Traditional IRA or inherited Roth IRA. </div> <a class="learnMore" name="InheritedInd" id="InheritedInd" href="/ask/family-finances/rollover-inherited-ira-rules"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Inherited IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Bank Savings IRA</h4> <div>Savings IRAs from Bank of America are FDIC insured and offer interest-bearing CD or money market savings account choices.</div> <a class="learnMore newTab" name="BankSavingsInd" id="BankSavingsInd" target="_blank" href="https://www.bankofamerica.com/deposits/iras/retirement-accounts/savings-iras/"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Bank Savings IRAs (opens in new tab)</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Individual Health Savings Account (HSA)</h4> <div>Individuals with high-deductible health savings plans can enjoy the benefits of a tax-advantaged investing account while saving for many out-of-pocket medical expenses. </div> <a class="learnMore newTab" name="HSAInd" id="HSAInd" target="_blank" href="https://healthaccounts.bankofamerica.com/individuals-families.shtml"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Individual Health Savings Accounts (opens in new tab)</span></a> </div> </div>  <h3 class="hl entrep txt-brand-b">Good for entrepreneurs and sole proprietors</h3> <div class="iraFlex"> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Individual 401(k)</h4> <div>Reduce your taxes while having access to your money through loans with a plan designed for self-employed business owners and their spouses.</div> <a class="learnMore" name="Ind401k" id="Ind401k" href="/small-business/individual-401k"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Individual 401(k)s</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">SEP IRA</h4> <div>A SEP IRA gives you the flexibility to contribute as your cash flow allows, with contribution limits higher than a traditional IRA.</div> <a class="learnMore" name="sepIRAEntrep" id="sepIRAEntrep" href="/small-business/sep-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about SEP IRAs</span></a> </div> </div> <div class="modCTA"><a name="ctaInd" id="ctaInd" class="cta orange m" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=retirement_hub&oaounit=indiv_tab_cta_accounts_comp&oaocampaign=baseline&oaoterm=ret_start_all"><span><span class="adahidden">Select to </span>Choose your retirement account</span></a></div> </div>  <div class="findIndIRAFlex"> <div class="findIRAImage"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-ira-find-account-desktop-white.jpeg" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-ira-find-account-mobile-white.jpeg" /> </div> <div class="findIRAText"> <h2 class="txt-brand">Which retirement account is right for you?</h2> <div class="findBlurb">Compare the features of retirement accounts available at Merrill, find out which ones you're eligible for and learn about details like contribution limits and potential tax advantages.</div> <div><a name="IRATool" id="IRATool" href="/retirement/ira/selector-tool"><span class="adahidden">Select to </span>Try our Retirement Account selector tool </a></div> </div> </div>  <script> $GE.JQ(function() { // Show hide accolade disclaimers $('.awardsDetails').click(function () { $(this).closest('.awardsSlide').toggleClass('closed opened'); }); }); </script> <style> .pageAnchor { height:0; position:relative; } .pageAnchor div { height:0; position:absolute; top:-57px; left:0; } .pageAnchor div#Accolades { top:-200px; } .awardsShell1 { background-color:#0f141f; width:100%; } .awardsShell2 { background-color:#0f141f; box-sizing:border-box; color:#fff; display:flex; flex-direction:column; justify-content:center; 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font-size:13px; } } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .awardsSlide.opened { padding:0 50px 35px 50px; } } @media only screen and (max-width: 568px) {/* viewport up to 568px */ .awardsSlide.opened { padding:0 40px 35px 40px; } a.awardsNav { background-size:15px auto; bottom:calc(50% - 13px); height:27px; width:15px; } .awardsDisc { font-size:12px; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ } /* ====================================================== Watermark backgrounds: choose from the following as needed. ME-watermark-awarded-number-1.png ME-watermark-best-for-beginners.png ME-watermark-best-for-education.png ME-watermark-best-of-self-directed.png ME-watermark-customer-satisfaction.png ME-watermark-rated-number-1.png ========================================================= */ #carousel1 { background-image: url(/Publish/Content/image/png/GWMOL/ME-watermark-rated-number-1.png); } #carousel2 { background-image: url(/Publish/Content/image/png/GWMOL/ME-watermark-best-for-education.png); } #carousel3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-watermark-best-in-class.png); } #carousel4 { background-image: url(/Publish/Content/image/png/GWMOL/ME-watermark-customer-satisfaction.png); } </style> <div class="pageAnchor"> <div id="Accolades"></div> </div>  <div class="benefitsShell"> <div class="wrapper-3 benefitsFlex"> <div class="benefitsText"> <h2 class="txt-brand">Enjoy all the benefits of having your IRA at Merrill</h2> <ul class="prodList"> <li>Determine your investor profile and manage your own retirement account or have it managed by Merrill</li> <li>Enjoy straightforward pricing and affordable fully managed accounts</li> <li>Manage your Merrill Investing and Bank of America banking accounts through a single, secure login</li> <li>Maximize your rewards when you combine your investing and Bank of America deposit balances</li> </ul> </div> <div class="benefitsImage"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-ira-benefits-ind-desktop.jpeg" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-ira-benefits-ind-mobile.jpeg" /> </div> </div> </div>  <div class="startShell"> <div class="wrapper-3"> <h2 class="txt-brand">Ready to get started?</h2> <div><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=retirement_hub&oaounit=indiv_tab_cta_bottom_comp&oaocampaign=baseline&oaoterm=ret_start_all" name="ctaStartInd" id="ctaStartInd" class="cta orange m"><span><span class="adahidden">Select to </span>Choose your retirement account</span></a></div> <div class="startHelpFlex"> <div class="startHelpCall"> <h3 class="txt-brand-m">Call us</h3> <div class="startHelpText"><a name="CallAdvisorInd" id="CallAdvisorInd" href="tel:888.637.3343"><span class="adahidden">Select to call </span>888.637.3343</a></div> </div> <div class="startHelpMeet"> <h3 class="txt-brand-m">Set up a meeting</h3> <div class="startHelpText"><a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="ScheduleInd" id="ScheduleInd"><span class="adahidden">Select to </span>Schedule an appointment</a></div> </div> </div> </div> </div>  <div class="osChoices"> <h2 class="osIntro txt-brand">Accounts tailored to your investing goals </h2> <div class="osChoicesText">Find account built to help you achieve what you're investing for. </div> <div class="osChoicesLinks"> <a href="#tabsTop" onclick="currentSlide(2)"><span class="adahidden">Select to learn more about </span>Business Retirement</a> <a name="GenInvInd" id="GenInvInd" href="/investing/brokerage-accounts"><span class="adahidden">Select to learn more about </span>General Investing</a> <a name="EducationInd" id="EducationInd" href="/education-savings"><span class="adahidden">Select to learn more about </span>Education</a> </div> </div>  <div class="wrapper-3 mgiFaqBg"> <div class="mgiFaqs"> <h2 class="txt-brand txt-c">Frequently Asked Questions</h2> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">What is an IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> An Individual Retirement Account (IRA) provides a tax-deferred way for you to save for retirement. There are many different types of IRAs but Roth and Traditional IRAs are the most common. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">How does an IRA work?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> IRAs rely on long-term, tax-deferred compounding to provide your retirement savings the opportunity to grow. When you earn interest, receive a dividend or sell an investment (such as a mutual fund) for a gain, you don't pay taxes that year on the earnings. Instead, all taxes are deferred until you withdraw those earnings in retirement. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Why is an IRA important now?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> In retirement you may need as much as 100% of your current after-tax income (take-home pay) minus any amount you are saving for retirement each year. This makes it all the more important to start saving sooner rather than later, and an IRA can help you get started. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">What are the ways I can invest in an IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> You can choose from <a name="InvProducts" id="InvProducts" href="/investing">investment products</a> such as mutual funds, stocks, bonds and ETFs, as well as bank products like CDs and money market savings. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">What are the contribution deadlines and limits?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> Contributions must be made prior to each year's tax return deadline for the corresponding year — typically April 15th. For each year during which you are age 50 or older, you can make an additional catch up contribution. Be aware of the potential penalties if you exceed your <a id="IRACtrLmtPDF" name="IRACtrLmtPDF" target="_blank" href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ME-annual-contribution-limits-and-tax-reference-guide.pdf">IRA contribution limits (PDF)</a>. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">How do I convert to a Roth IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> A <a name="Conversion" id="Conversion" href="/retirement/roth-ira-conversion">Roth IRA Conversion</a> could help grow your retirement assets federal income tax-free. To help you convert to a Merrill Edge Roth IRA, call us at <strong>888.637.3343</strong> for one-on-one assistance and we'll guide you every step of the way. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">What are my options for converting a 401(k) to an IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan account from a prior employer to an employer sponsored plan at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit our <a href="/retirement/rollover-ira" id="Rollover" name="Rollover">Rollover IRA page</a> or call Merrill at 888.637.3343 for more information about your choices. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-8" aria-expanded="false" id="accordion-control-8">How many IRAs can I have?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-8"> There's no limit to the number of individual retirement accounts (IRAs) you can own. </div> </div> </div> </div> </div> </div> </div>  </div>   <div class="mySlides biz hide"> <div class="wrapper-3"> <h2 class="txt-brand accounts biz">Find your ideal retirement solution, whether you're a business owner, a freelancer or a sole proprietor</h2>  <div class="iraFlex"> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Small Business 401(k)<span class="adahidden">Footnote </span><sup>3</sup></h4> <div>Attract and retain talented employees by offering a low-cost, easy-to-manage 401(k) — designed for the needs of small businesses.</div> <a class="learnMore" name="sb401k" id="sb401k" href="/small-business/401k"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Small Business 401(k)s</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Individual 401(k)<span class="adahidden">Footnote </span><sup>3</sup></h4> <div>Reduce your taxes while having access to your money through loans with a plan designed for self-employed business owners and their spouses.</div> <a class="learnMore" name="sbInd401k" id="sbInd401k" href="/small-business/individual-401k"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Individual 401(k)s</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">SEP IRA</h4> <div>A SEP IRA gives you the flexibility to contribute as your cash flow allows, with contribution limits higher than traditional IRA.</div> <a class="learnMore" name="sepIraSB" id="sepIraSB" href="/small-business/sep-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about SEP IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">SIMPLE IRA</h4> <div>Have 100 or fewer employees? Enjoy easy administration while offering potential tax advantages for your businesses and employees. </div> <a class="learnMore" name="simpleIRA" id="simpleIRA" href="/small-business/simple-ira"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about SIMPLE IRAs</span></a> </div> <div class="flexMod" tabindex="0"> <h4 class="txt-brand">Retirement Cash Management Account (RCMA<sup>®</sup>)</h4> <div>A RCMA<sup>®</sup> offers a full range of investment choices for those who have an established profit sharing, 401(k), money purchase or defined benefit plan.</div> <a class="learnMore newTab" name="RCMA" id="RCMA" href="https://olui2.fs.ml.com/publish/content/application/pdf/GWMOL/RCMA-account-application-agreement.pdf" target="_blank"><span class="adahidden">Select to </span>Learn more <span class="adahidden">&bnsp;about Retirement Cash Management Accounts</span></a> </div> </div> <div class="modCTA"><a name="ctaSB" id="ctaSB" class="cta orange m" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=retirement_hub&oaounit=smb_tab_cta_hero_comp&oaocampaign=baseline&oaoterm=smb_start_all"><span><span class="adahidden">Select to </span>Choose your retirement account</span></a></div> </div>  <div class="optionsFlex"> <div class="optionsImage"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-retirement-small-business-plans-desktop.jpeg" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-retirement-small-business-plans-mobile.jpeg" /> </div> <div class="optionsText"> <h2 class="txt-brand">Looking for more info on small business resources? </h2> <div class="optionsBlurb">See more details about retirement plans for small business owners and self-employed people, plus see other resources available to you through Merrill and Bank of America. </div> <div><a name="FindSBPlan" id="FindSBPlan" href="/small-business">Learn more about small business plans </a></div> </div> </div>  <div class="sbBenefitsShell"> <div class="wrapper-3 sbBenefitsFlex"> <div class="sbBenefitsText"> <h2 class="txt-brand">Enjoy all the benefits of having your IRA at Merrill</h2> <div>Opening an IRA with Merrill gives you access to a number of features that can make saving for retirement even more rewarding.</div> </div> <div class="sbBenefitsList"> <h3 class="txt-brand-b">IRA Features:</h3> <ul class="prodList"> <li>Find workplace retirement plans including SEP IRA, SIMPLE IRA or an online 401(k)</li> <li>Save money with tax advantages</li> <li>Fit your budget with competitive pricing</li> <li>Get greater control with more personalized options</li> <li>Accomplish more with available specialists</li> <li>Focus on your business with an easy to manage retirement plan</li> </ul> </div> </div> </div>  <div class="startShell"> <div class="wrapper-3"> <h2 class="txt-brand">Ready to get started?</h2> <div><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=retirement_hub&oaounit=smb_tab_cta_bottom_comp&oaocampaign=baseline&oaoterm=smb_start_all" name="ctaStartSB" id="ctaStartSB" class="cta orange m"><span><span class="adahidden">Select to </span>Choose your retirement account</span></a></div> <div class="startHelpFlex"> <div class="startHelpCall"> <h3 class="txt-brand-m">Call us</h3> <div class="startHelpText"><a name="CallAdvisorSB" id="CallAdvisorSB" href="tel:888.637.3343"><span class="adahidden">Select to call </span>888.637.3343</a></div> </div> <div class="startHelpMeet"> <h3 class="txt-brand-m">Set up a meeting</h3> <div class="startHelpText"><a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="ScheduleSB" id="ScheduleSB"><span class="adahidden">Select to </span>Schedule an appointment</a></div> </div> </div> </div> </div>  <div class="osChoices"> <h2 class="osIntro txt-brand">Accounts tailored to your investing goals </h2> <div class="osChoicesText">Find account built to help you achieve what you're investing for. </div> <div class="osChoicesLinks"> <a href="#tabsTop" onclick="currentSlide(1)"><span class="adahidden">Select to learn more about </span>Individual Retirement</a> <a name="GenInvSB" id="GenInvSB" href="/investing/brokerage-accounts"><span class="adahidden">Select to learn more about </span>General Investing</a> <a name="EducationSB" id="EducationSB" href="/education-savings"><span class="adahidden">Select to learn more about </span>Education</a> </div> </div>  <div class="wrapper-3 mgiFaqBg"> <div class="mgiFaqs"> <h2 class="txt-brand txt-c">Frequently Asked Questions</h2> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">What types of businesses can set up a Small Business 401(k)?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> Corporations, partnerships and nonprofit organizations can establish Merrill Small Business 401(k) plans. If you're self-employed or a sole proprietor, you may want to consider an Individual 401(k). </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Can I start a 401(k) if I'm self-employed without employees?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> Yes, you can. An Individual 401(k) is designed for a business owner without W-2 employees and, if married, the owner's spouse. This applies to 1099 contractors and freelancers as well. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Who is eligible to participate in a SIMPLE IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> Any employee who received $5,000 or more in compensation in any 2 calendar years and is reasonably expected to earn $5,000 or more in the current year. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Why should I consider opening a SEP IRA instead of a Traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> With a SEP IRA, your business and employees (including you) can benefit. Contributions you make to the individual accounts under your plan are generally tax deductible by your business. You also have the opportunity to contribute nearly 10 times more to a SEP IRA than a Traditional IRA. </div> </div> </div> </div> </div> </div> </div>  </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"); 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").html(" tab"); } slides[slideIndex-1].style.display = "block"; dots[slideIndex-1].className += " active"; $(dots[slideIndex-1]).find("span").html(" tab selected"); } </script> <div class="wrapper-3 bg-white">  <div id="etdisclosure">  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="1";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6030"><strong>You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit <a href="/retirement/rollover-ira" target="_blank">our rollover page</a> or call Merrill at <span id="D6030Ph1">888.637.3343</span>.</strong></span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> The required beginning date for RMDs is age 73 You may defer your first RMD until April 1st in the year after you turn age 73, but then you'd be required to take two distributions in that year. Failure to take all or part of an RMD may result in up to a 25% additional tax applicable to the amount of the RMD not withdrawn. Consult your tax advisor for more information on your personal circumstances. </div>   <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> This material does not take into account a client's particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="3";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6142">The endorsement of Morningstar Investment Management LLC ("Morningstar") for the MESB 401(k) Program is not made by Merrill in the capacity of a client of Morningstar or as a MESB 401(k) Program client. Cash and non-cash compensation will be provided to Merrill for this endorsement if you enroll in the MESB 401K Program. Merrill has material conflicts of interest giving this endorsement of Morningstar on this website because Merrill's compensation for services under the MESB 401(k) Program is dependent on customer use of Morningstar's investment advisory services. Morningstar's investment advisory services are the only investment advisory services offered under the MESB 401(k) Program and lack of customer's use of Morningstar's investment advisory services would, therefore, result in Merrill unable to receive compensation for this product. <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/MESB-401k-Program-Disclosure.pdf" target="_blank" name="MESB401kPDF" id="MESB401kPDF" rel="nofollow" >For more information about the compensation provided to or received by Merrill, Merrill's material conflicts of interest in giving the endorsement, and disclosure of past disciplinary matters of Merrill, please read more information here (PDF)</a>.</span> </div>  MAP6387951-02192025 </div> </div> </div>   <style> a.ot-sdk-show-settings { background-image: url(/Publish/Content/image/png/GWMOL/ME-bofa-icon-opt-out-white.png); background-repeat:no-repeat; background-position: right center; background-size: 20px auto; display:inline-block; padding:0 25px 0 0; 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You should consult your legal and/or tax advisors before making any financial decisions.</span> </div>  <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" >Client Relationship Summary (PDF)</a>.</p>  <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."). 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</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. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.</p> </div> <div class="legal"> <div class="left mt-m" style="width: 77%;"> <a class="bookmark" name="Prvcy" id="Prvcy" target="_blank" href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html">Privacy</a> | <a class="bookmark" name="Secrty" id="Secrty" target="_blank" href="/security-center">Security</a> | <a name="SiteMap" id="SiteMap" href="/site-map">Site Map</a> | <a name="Glossary" id="Glossary" href="/glossary">Glossary</a> | <a href="https://olui2.fs.ml.com/SVE/Pages/SoftwareRequirements.aspx?sgt=3" target="_blank" >Software Requirements</a> | <a class="bookmark" name="RteExcns" id="RteExcns" href="https://www.ml.com/legal.html#tag2" target="_blank">Routing & Executions</a> | <a class="bookmark" name="WebAccess" id="WebAccess" href="https://www.bankofamerica.com/accessible-banking/overview/" target="_blank">Accessible Banking</a> <br /> <a name="prModal" id="prModal" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','430','600px');return false;" href="javascript:void(0);">Advertising Practices<span class="adahidden"> popup</span></a> | <a name="FormbLib" id="FormbLib" href="/forms-library">Forms & Applications</a> | <a class="bookmark" name="LegalInfo" id="LegalInfo" href="https://www.ml.com/legal.html" target="_blank">Legal Information</a> | <a class="bookmark" name="BizCntnty" id="BizCntnty" href="https://www.ml.com/privacy-and-security-center/business-continuity-planning.html" target="_blank">Business Continuity</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf" target="_blank" name="DepositAccount" id="DepositAccount" rel="nofollow" >Deposit Account & Money Fund Rates (PDF)</a> <br /> <a class="bookmark" name="NewsRm" id="NewsRm" href="https://newsroom.bankofamerica.com/" target="_blank">Bank of America Newsroom</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS2" id="FormCRS2" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings"></a> </div> <div class="right"> <div class="site-logo" data-widget="Site Logo" style="margin:10px 0;"> <a href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> </div> <div class="copyrights txt-gray2"> <p>© 2024 Bank of America Corporation. All rights reserved.</p> </div> </div> <script type="text/javascript"> Sys.Application.add_init(function () { // Script to create IFA tactic experience 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'); } } } // Hides Meganav and Power Footer PR links for Preferred Rewards Fair Lending impact var pageURL = $(location).attr("href").toLowerCase(); if (pageURL.indexOf('no-lending=true') > 0) { $('#nav2_col1WhyEdge, #nav3_col1WhyEdge, .prLI').css('display', 'none'); } }); /* OO_CONF.JS START */ /* OnlineOpinion v5.1.5 */ /* Released: 11/11/2010 */ /* Components: popup ocode floating /* The following code is Copyright 1998-2010 Opinionlab, Inc. All rights reserved. Unauthorized use is prohibited. 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}); Sys.Application.add_init(function() { $create(Sys.Extended.UI.TextBoxWatermarkBehavior, {"ClientStateFieldID":"ctl00_ctl00_siteContent_glQte__ClientState","WatermarkText":"Get Quote","id":"ctl00_ctl00_siteContent_glQte_ctl01"}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {"FirstColumnDataField":"Symbol","RunMode":0,"SecondColumnDataField":"Description","StringResources":"{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. 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}); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {"Configuration":"{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}","Data":"","VisibleCloseLink":true,"id":"ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext")); }); Sys.Application.add_init(function() { $create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.MegaNavMenu, {"ApplyNavigationMatrixRule":true,"MegaNavData":"","MegaNavMode":"Default","MegaNavTargetElements":"[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]","MegaNavTargetMenuId":"siteNav","RenderMode":0,"hiddenMegaNavDataElements":"[]"}, null, null, $get("MegaNavMenu1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"retirement","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\"\u003eretirement\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","retirement","location","phZone1","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"retirement","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\"\u003eretirement\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","retirement","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":"retirement","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\"\u003eretirement\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","retirement","location","phZone3","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":"retirement","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\"\u003eretirement\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=\"\"\u003ephZone8\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","retirement","location","phZone8","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":"retirement","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\"\u003eretirement\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=\"\"\u003ephZone9\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","retirement","location","phZone9","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":"retirement","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\"\u003eretirement\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=\"\"\u003ephZone10\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","retirement","location","phZone10","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":"retirement","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\"\u003eretirement\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=\"\"\u003ephZone11\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","retirement","location","phZone11","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":"retirement","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\"\u003eretirement\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","retirement","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>