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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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class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneInvest" id="phoneInvest" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptInvest" id="apptInvest" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Education</p> <p class="txt-12 bold mb-0"><a name="infoInvest" id="infoInvest" class="lead-16" href="/investor-education">Build your knowledge with<br /> our insights and education</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:95px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a href="/guidance">Overview</a></li></ul><div id="headSub2Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">By Life Stage</div><ul id="Sub2col1GNR" class="nl-a" style="left:;"><li id="nav1_sub2col1GNR" class="" style="left:;"><a href="/guidance/starting-out">Early in Your Career</a></li><li id="nav2_sub2col1GNR" class="" style="left:;"><a href="/guidance/building-wealth">Peak Earning Years</a></li><li id="nav3_sub2col1GNR" class="" style="left:;"><a href="/guidance/nearing-retirement">Nearing Retirement</a></li><li id="nav4_sub2col1GNR" class="" style="left:;"><a href="/guidance/retired">In Retirement</a></li></ul><div id="headSub3Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">Tools & Resources</div><ul id="Sub3col1GNR" class="nl-a" style="left:;"><li id="nav1_sub3col1GNR" class="" style="left:;"><a href="/guidance/tools">View all Tools</a></li><li id="nav2_sub3col1GNR" class="" style="left:;"><a href="/guidance/tax-planning">Tax Resources</a></li></ul></div></div><div id="GNRcol2" class="fl nav mn-col3" style="left:;"><div id="col2GNRWrap" class="wrap" style="left:;"><div id="headCol2GNR" class="heading" style="left:;" href="/guidance">Education Planning</div><ul id="col2GNR" class="nl-a" style="left:;"><li id="nav1_col2GNR" class="" style="left:;"><a href="/college-savings">Plan for College</a></li><li id="nav2_col2GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator">College Cost Calculator</a></li><li id="nav3_col2GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li></ul><div id="headSub1Col2GNR" class="heading mt-30" style="left:;" href="/guidance">Retirement Planning</div><ul id="Sub1col2GNR" class="nl-a" style="left:;"><li id="nav1_Sub1col2GNR" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav2_Sub1col2GNR" class="" style="left:;"><a href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li><li id="nav3_Sub1col2GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">Retirement Account Selector Tool</a></li><li id="nav4_Sub1col2GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li></ul></div></div><div id="GNR_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneGuide" id="phoneGuide" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptGuide" id="apptGuide" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing and Trading</p> <p class="txt-12 bold mb-0"><a name="infoGuide" id="infoGuide" class="lead-16" href="/investing">A full range of<br /> investment choices</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2Research" class="mega-nav" style="left:;"><div id="col1RES" class="fl nav mn-col1" style="left:;"><div id="wrapRES" class="wrap" style="left:;"><div id="headRES" class="heading" style="left:;">Solutions</div><ul id="Col1RES" class="nl-a" style="left:;"><li id="nav2_Col1RES" class="" style="left:;"><a href="/retirement/rollover-ira">Rollover</a></li><li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira">Traditional IRA</a></li><li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira">Roth IRA</a></li></ul><div id="headCol1Sub1RES" class="heading mt-30" style="left:;">Retirement Resources</div><ul id="Col1Sub1RES" class="nl-a" style="left:;"><li id="nav1_Col1Sub1RES" class="" style="left:;"><a href="/retirement/retirement-income-planning">Income in Retirement</a></li><li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav3_Col1Sub1RES" class="" style="left:;"><a href="/retirement">Retirement Account Types</a></li><li id="nav4_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement">Retirement Tools</a></li></ul></div></div><div id="col2RES" class="fl nav mn-col2" style="left:;"><div id="wrap2RES" class="wrap" style="left:;"><div id="headRES2" class="heading" style="left:;" href="/research-and-insights">Small Business</div><ul id="Col2RES" class="nl-a" style="left:;"><li id="nav1_Col2RES" class="" style="left:;"><a href="/small-business/401k">Small Business 401(k)</a></li><li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k">Individual 401(k)</a></li><li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira">SEP IRA</a></li><li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira">SIMPLE IRA</a></li><li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business">View All Plans</a></li></ul></div></div><div id="l2Research_CMS" class="fl cms mn-col3" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneResearch" id="phoneResearch" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptResearch" id="apptResearch" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-target-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Financial Planning</p> <p class="txt-12 bold mb-0"><a name="infoResearch" id="infoResearch" class="lead-16" href="/guidance">Insights to help you<br /> plan for your goals</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2IE" class="mega-nav" style="left:;"><div id="EDUcol1" class="fl nav mn-col1" style="left:;"><div id="col1EDUWrap" class="wrap" style="left:;"><div id="headCol1EDU" class="heading" style="left:;">Investing Insights & Education</div><ul id="col1EDU" class="nl-a" style="left:;"><li id="nav1_col1EDU" class="" style="left:;"><a href="/investor-education">Overview</a></li><li id="nav2_col1EDU" class="" style="left:;"><a href="/guidance/start-investing">Get Started Investing</a></li><li id="nav3_col1EDU" class="" style="left:;"><a href="/investor-education/investing-basics">Investing Basics</a></li><li id="nav4_col1EDU" class="" style="left:;"><a href="/investor-education/advanced-investing">Advanced Investing</a></li><li id="nav5_col1EDU" class="" style="left:;"><a href="/research/perspectives">Market & Investing Insights</a></li></ul></div></div><div id="EDUcol2" class="fl nav mn-col2" style="left:;"><div id="col2EDUWrap" class="wrap" style="left:;"><div id="headCol2EDU" class="heading" style="left:;" href="/investor-education">Product Education</div><ul id="col2EDU" class="nl-a" style="left:;"><li id="nav3_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-stocks">Stocks</a></li><li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li><li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs">ETFs</a></li><li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li><li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education">Options</a></li></ul></div></div><div id="l2IE_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:162px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneEd" id="phoneEd" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptEd" id="apptEd" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-award-ribbon-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Solutions</p> <p class="txt-12 bold mb-0"><a name="infoEd" id="infoEd" class="lead-16" href="/why-merrill ">Explore the advantages<br /> of investing with Merrill</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2OAA" class="mega-nav" style="left:;"><div id="OAA_CMS" class="fl cms mn-col1" style="left:;"><div class="wrap" style="padding-bottom:160px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneOAO" id="phoneOAO" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptOAO" id="apptOAO" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div><div id="OAAcol1" class="fl nav mn-col2" style="left:;"><div id="col1OAAWrap" class="wrap" style="left:;"><div id="headCol1OAA" class="heading" style="left:;">General Investing</div><ul id="col1OAA" class="nl-a" style="left:;"><li id="nav1_col1OAA" class="" style="left:;"><a href="/global-oao">Account Options</a></li><li id="nav2_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li><li id="nav3_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=JointCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Joint Investing Account</a></li><li id="nav4_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Custodial Investing Account</a></li></ul><div id="headSubCol1OAA" class="heading mt-30" style="left:;">Retirement Accounts</div><ul id="subcol1OAA" class="nl-a" style="left:;"><li id="nav1_subcol1OAA" class="" style="left:;"><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=global_nav_acct_sel&oaounit=rollover_link&oaocampaign=baseline&oaoterm=rollover_baseline">Rollover</a></li><li id="nav2_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Traditional IRA</a></li><li id="nav3_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=RothIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Roth IRA</a></li></ul><div id="headSubCol4OAA" class="heading mt-30" style="left:;">Inherited IRA</div><ul id="subcol4OAA" class="nl-a" style="left:;"><li id="nav1_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=TraditionalIRA">Traditional Inherited IRA</a></li><li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA">Roth Inherited IRA</a></li></ul></div></div><div id="OAAcol2" class="fl nav mn-col3" style="left:;"><div id="col2OAAWrap" class="wrap" style="left:;"><div id="headCol2OAA" class="heading" style="left:;">College Planning Accounts</div><ul id="col2OAA" class="nl-a" style="left:;"><li id="nav1_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/SubAccountTypeA.aspx?_tps=76a2df6657eb4727924724805b48aaa0">529 College Savings Plans</a></li><li id="nav2_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=76a2df6657eb4727924724805b48aaa0">Custodial UGMA/UTMA Accounts</a></li></ul><div id="headSubCol2OAA" class="heading mt-30" style="left:;">Managed Portfolios</div><ul id="Subcol2OAA" class="nl-a" style="left:;"><li id="nav1_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Merrill Guided Investing</a></li><li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Invest with an Advisor</a></li></ul></div></div><div id="OAAcol3" class="fl nav mn-col4" style="left:;"><div id="col3OAAWrap" class="wrap" style="left:;"><div id="headSubCol3OAA" class="heading" style="left:;">Small Business Accounts</div><ul id="colSub3OAA" class="nl-a" style="left:;"><li id="nav1_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Small Business 401(k)</a></li><li id="nav2_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Individual 401(k)</a></li><li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA">SEP IRA</a></li><li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA">SIMPLE IRA</a></li><li id="nav5_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/BIAAccountApplicationandAgreement.pdf">Business Investor Account</a></li></ul><div id="headCol3OAA" class="heading mt-30" style="left:;">Simple Flat-Rate Pricing</div><ul id="col3OAA" class="nl-a" style="left:;"><li id="nav1_col3OAA" class="" style="left:;"><a href="/pricing">lnvesting Costs & Fees</a></li></ul></div></div></div></div> </div> <div id="dvClearHeader">  </div> <div id="contentArea" > <div class="site-stage"> <input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="traditional-ira" /><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 id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ContentPlaceHolder"></div> <span 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justify-content:center; gap:24px; } a.waysMod { background: #fff; border: 1px solid #0053C2; box-sizing:border-box; border-radius: 12px; max-width:364px; min-height:234px; padding:24px 24px 20px 24px; text-decoration:none; width:100%; } .wrapper-3 .waysFlex h3 { color: #012169; font-size: 22px; padding:0 0 12px 0; } .waysText { color: #012169; font-size:18px; font-weight:300; line-height:1.55; padding:0 0 12px 0; } .waysLink { font-size:16px; font-weight:600; line-height:1.5; } a.waysMod:hover .waysLink, a.waysMod:active .waysLink { text-decoration:underline; } .offerShell { background-color:#f5f5f5; position:relative; } .offerBox { background-image: linear-gradient(-81deg, #344E87 0%, #0073CF 100%); border: 1px solid #012169; box-shadow: -8px 8px 0 0 rgba(100,100,100,0.08); border-radius:12px; box-sizing:border-box; color:#fff; margin:0 auto; max-width:1248px; min-height:178px; padding:24px 32px 20px 32px; position:absolute; top:-89px; left:0; right:0; } .offerIntro { background-color:#fff; color:#0053C2; display:table; font-size:12px; line-height:12px; margin:0 0 10px 0; padding:5px 8px; text-align:center; text-transform:uppercase; } .offerFlex { align-items:center; display:flex; gap:24px; justify-content:space-between; max-width:1088px; } .wrapper-2 .offerBox h2 { color:#fff; font-size:40px; max-width:800px; padding:0; width:100%; } .offerText { flex-shrink:0; } .offerCTA { width:172px; text-align:center; } .offerBox a.cta.orange { background-color:transparent; border:1px solid #fff; box-sizing:border-box; color: #fff; font-weight:500; text-align:center; width:100%; } .offerBox a.cta.orange:hover { border:1px solid #e5e5e5; } .offerCode { font-size:16px; margin:15px 0 0 0; text-align:center; } .offerDisc { font-size:12px; } .osChoices { background-color:#fff; padding:100px 24px 110px 24px; text-align:center; } .osChoices h2 { padding:0 0 10px 0; } .osChoicesText { color:#000; font-size:24px; line-height:1.41; margin:0 auto; padding:0 0 50px 0; max-width:800px; } .osChoicesLinks { display:flex; gap:24px; flex-wrap:wrap; justify-content:center; margin:0 auto 54px auto; } .osChoicesLinks a { background-color:#fff; border:1px solid #012169; border-radius:20px; box-sizing:border-box; color:#012169; display:inline-block; font-size:20px; height:40px; line-height:40px; padding:0 24px; text-align:center; } .osChoicesLinks a:hover { background-color:#0053C2; border-color:#0053C2; color:#fff; text-decoration:none; } .osChoicesAll { font-size:16px; line-height:1.6; } .startShell { padding:100px 24px 110px 24px; text-align:center; } .wrapper-2 .startShell h2 { padding:0 0 32px 0; } .startCTA { padding:0 0 36px 0; } .startShell .cta.orange.m { font-weight:500; } .startNum { font-size:16px; font-weight:300; } .mgiFaqBg { background-color:#012169; color:#fff; } .mgiFaqBg a { color:#fff; } .mgiFaqs { font-size:18px; padding:100px 0 96px 0; } .wrapper-2 .mgiFaqs h2 { color:#fff; padding:0; text-align:center; } .wrapper-2 .mgiFaqs h3 { color:#fff; font-family: 'connections',Arial,Helvetica,sans-serif; font-size:28px; font-weight:300; line-height:1.25; text-align:center; } .mgiFaqs .jq_expColAll { font-size:16px; font-weight: 600; } .mgiFaqs .acd-a { margin:0; } .mgiFaqs .acd-a .acd-a-cmd { display:flex; justify-content:flex-end; margin: 0 0 20px 0; padding:0 0 0 50px; } .mgiFaqs a.acd-a-head { color:#fff; } .mgiFaqs .acd-a .acd-a-head { background-image:none; padding:0 25px; } .mgiFaqs .acd-a .acd-a-open .acd-a-head { color:#fff; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { background-color:#012169; border-top:1px solid #D5D5D5; margin:0; padding:36px 0 28px 0; } .mgiFaqs .acd-a-open h3, .mgiFaqs .acd-a-close h3 { background-position:right 15px center; background-repeat:no-repeat; } .mgiFaqs .acd-a .acd-a-open h3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-white-20x12.png); margin:0 0 18px 0; } .mgiFaqs .acd-a .acd-a-close h3 { background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-white-20x12.png); } .mgiFaqs .acd-a .acd-a-open:last-of-type, .mgiFaqs .acd-a .acd-a-close:last-of-type { margin:0; } .mgiFaqs .acd-a .acd-a-content { color:#fff; line-height:1.5; padding:0 80px 0 5px; } .mgiFaqs .acd-a .acd-a-content a { text-decoration:underline; } .mgiFaqs ul { list-style-type:disc; margin: 0 0 0 15px; } .mgiFaqs ul li { margin:0 0 5px 0; } .mgiFaqs ul ul { margin: 0 0 0 25px; } #etdisclosure { display: block; font-size: 14px; color: #646464; padding: 75px 0 30px 0; scroll-margin-top: 57px; } #etfooter { display: none; } .dtable { border: 0 none; margin: 10px 0 0 0; padding: 0; table-layout: auto; width: 100%; } .dtable tbody td { border: 1px solid #524940; padding: 10px 5px; font-size: 13px; font-weight: bold; text-align: center; vertical-align: middle; width: 33%; } @media only screen and (max-width: 1440px) {/* viewport up to 1440px */ .iraBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-traditional-ira-banner-bg-desktop.jpeg); background-position:center top; } .qaGrid h3 { font-size:1.2vw; } } @media only screen and (max-width: 1325px) {/* viewport up to 1325px */ .wrapper-3 { padding:0 48px; } .iraBannerInner { padding:100px 0 0 48px; } .wrapper-2 .iraBannerInner h2 { font-size:4vw; } .iraBannerText { min-height:100px; min-width:100px; } .beneGrid { gap:24px; } .qaShell { padding:90px 48px 66px 48px; } .qaGrid { gap:40px; } .toolFlex { gap:40px; } .wrapper-2 .toolText h2 { padding:0 0 16px 0; } .prcFlex { gap:40px; } .offerShell { margin:0 48px; } } @media only screen and (max-width: 1200px) {/* viewport up to 1200px */ .prcFlex { align-items:flex-start; padding:54px 0; flex-direction:column; gap:48px; max-width:672px; margin:0 auto; } .prcText { margin:0; width:100%; } .wrapper-2 .prcText h2 { font-size:12px; letter-spacing:1.5px; padding:0 0 20px 0; } .wrapper-2 .prcText h3 { font-size:28px; line-height:1.55; padding:0 0 10px 0; } .prcBlurb { font-size:18px; line-height:1.55; } .prcImage { margin:0 0 0 -9px; width:auto; } .waysShell { padding:54px 0 66px 0; } .wrapper-2 .waysShell h2 { font-size:28px; } .waysFlex { align-items:center; flex-direction:column; gap:20px; } a.waysMod { max-width:580px; min-height:178px; } .wrapper-2 .offerBox h2 { font-size:3.3vw; } } @media only screen and (max-width: 1024px) {/* viewport up to 1024px */ #TMoseSiteheader { display: none; } #ctl00_ctl00_siteContent_navHeader { display: none; } .wrapper-2 h2 { font-size:28px; line-height:1.35; } .iraBannerInner { padding:48px 48px 0 48px; } .iraBannerText { min-width:366px; min-height:256px; padding:30px 24px 40px 24px; } .iraBannerInner h1 { font-size:14px; padding:0 0 15px 0; } .wrapper-2 .iraBannerInner h2 { font-size:38px; line-height:1.26; padding:0 0 16px 0; } .beneShell { padding:56px 48px 60px 48px; } .wrapper-2 .beneShell h2 { max-width:640px; padding:0 0 28px 0; } .wrapper-2 .beneShell h3 { font-size:12px; letter-spacing:1.5px; } .beneGrid { gap:12px 40px; grid-template-areas: "bg1 bg3" "bg2 bg4"; grid-template-columns:repeat(2, 1fr); max-width:672px; } .bg1 { grid-area:bg1; } .bg2 { grid-area:bg2; } .bg3 { grid-area:bg3; } .bg4 { grid-area:bg4; } .beneGrid > div { display:flex; gap:12px; text-align:left; } .beneIcon { background-size:20px auto; flex-shrink:0; height:40px; width:40px; margin:0; } .beneText { font-size:16px; font-weight:300; } .qaShell { padding:70px 48px 40px 48px; } .qaTab { font-size:12px; top:20px; width:82px; } .qaGrid h3 { font-size:16px; line-height:1.5; min-height:66px; padding:8px 12px; } .qaContent { font-size:16px; padding:16px 12px; } .qaText { display:inline; padding:0; } .qaLink { line-height:1.5; } .toolShell { padding:54px 0 66px 0; } .toolMods { gap:10px; max-width:40%; } a.toolModLink { min-height:84px; padding:12px; } a.toolModLink h4 { font-size:16px; margin:0 0 5px 0; } .toolModText { font-size:12px; line-height:1.16; } .toolText { font-size:18px; } .wrapper-2 .toolText h2 { font-size:12px; letter-spacing:1.5px; padding:0 0 12px 0; } .wrapper-2 .toolText h3 { font-size:28px; line-height:1.36; max-width:350px; } .toolBlurb { line-height:1.55; } .offerBox { background-image: linear-gradient(-75deg, #344E87 0%, #0073CF 100%); padding:24px 32px } .offerFlex { gap:28px; } .osChoices { padding:58px 24px 64px 24px; } .wrapper-2 h2 { padding:0 0 8px 0; } .osChoicesText { font-size:18px; line-height:1.55; max-width:670px; padding:0 0 28px 0; } .osChoicesLinks { gap:12px; margin:0 auto 32px auto; } .osChoicesLinks a { height:32px; font-size:14px; line-height:32px; padding:0 15px; } .startShell { padding:60px 24px } .wrapper-2 .startShell h2 { font-size:32px; padding:0 0 24px 0; } .startCTA { padding:0 0 24px 0; } .startNum { font-size:14px; } .mgiFaqs { font-size:16px; padding:55px 0 45px 0; } .mgiFaqs .jq_expColAll { font-size:14px; } .wrapper-2 .mgiFaqs h3 { font-size:22px; } .mgiFaqs .acd-a-open h3, .mgiFaqs .acd-a-close h3 { background-position:right 5px top 10px; background-size:13px auto; } .wrapper-2 .mgiFaqs .acd-a-open h3 { margin:0 0 10px 0; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { padding: 24px 0 20px 0; } .mgiFaqs .acd-a .acd-a-content { padding:0; } .mgiFaqs ul li::before { top:11px; } #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: 768px) {/* viewport up to 768px */ .linkDesk { display: none; } .linkMobile { display: inline; } .shareDesk { display: none; } .shareMobile { display: block; } .iraBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-traditional-ira-banner-bg-tablet.jpeg); } .toolMods { max-width:250px; } .wrapper-2 .offerBox h2 { font-size: 20px; } #etdisclosure { font-size: 12px; padding: 30px 0; } #etfooter { padding: 20px; } } @media only screen and (max-width: 750px) {/* viewport up to 750px */ .wrapper-3 { padding:0 24px; } .qaShell { padding:70px 24px 40px 24px; } .qaGrid { gap:20px; grid-template-columns:1fr; } .qaGrid > div { min-height:100px; } .toolFlex { flex-direction:column; gap:36px; } .toolMods { max-width:366px; } a.toolModLink { min-height:96px; padding:16px 12px 12px 12px; } a.toolModLink h4 { font-size:18px; margin:0 0 6px 0; } .toolText, .wrapper-2 .toolText h3 { max-width:480px; } .offerShell { margin:0 24px; } .offerBox { background-image: linear-gradient(-66deg, #344E87 0%, #0073CF 100%); padding:16px; } .offerIntro { font-size:11px; padding:4px 10px; } .wrapper-2 .offerBox h2 { font-size:20px; display:inline; } .offerFlex { display:block; } .offerText, .wrapper-2 .offerFlex .cta.orange.m, .wrapper-2 .offerFlex .cta.m span { display:inline; padding:0; border:0; font-size:20px; font-weight:600; line-height:1.4; } .wrapper-2 .cta.orange.m { white-space:nowrap; } .offerCode { text-align:left; } } @media only screen and (max-width: 640px) {/* viewport up to 640px */ .iraBanner { display:flex; flex-direction:column; height:518px; justify-content:flex-end; text-align:center; } .iraBannerInner { padding:24px 24px 0 24px; } .iraBannerText { margin:0 auto; max-width:366px; min-height:100px; min-width:100px; padding: 28px 16px 38px 16px; text-align:center; width:100%; } .iraBannerInner h1 { padding:0 0 12px 0; } .wrapper-2 .iraBannerInner h2 { font-size:38px; padding:0 0 20px 0; } .beneShell { padding:56px 24px 60px 24px; } .wrapper-2 .beneShell h2 { margin:0; max-width:540px; padding:0 0 42px 0; text-align:left; } .wrapper-2 .beneShell h3 { letter-spacing: 1.71px; padding:0 0 16px 0; text-align:left; } .beneGrid { grid-template-columns:1fr; grid-template-areas: "bg1" "bg2" "bg3" "bg4"; } .beneGrid > div { align-items:center; gap:16px; } .beneIcon { height:42px; width:42px; } .beneText { font-weight:400; line-height:1.25; } } @media only screen and (max-width: 568px) {/* viewport up to 568px */ .osChoicesLinks { max-width:320px; } .wrapper-2 .mgiFaqs h2 { padding:0 0 10px 0; } .mgiFaqs .acd-a .acd-a-cmd { margin:0 0 15px 0; } .mgiFaqs .acd-a .acd-a-content { line-height:1.375; } } @media only screen and (max-width: 414px) {/* viewport up to 414px */ .iraBanner { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-traditional-ira-banner-bg-mobile.jpeg); } .prcFlex { gap:40px; max-width:374px; padding:50px 0; } .wrapper-2 .prcText h3 { line-height:1.35; max-width:286px; padding:0 0 14px 0; } .prcBlurb { max-width:375px; } .prcImage img.desk { display:none; } .prcImage img.mobile { display:block; } .wrapper-2 .waysShell h2 { padding:0 0 26px 0; } .startShell { padding: 56px 24px 70px 24px; } .wrapper-2 .startShell h2, .startCTA { padding:0 0 32px 0; } .startNum { font-size:16px; } } @media only screen and (max-width: 390px) {/* viewport up to 390px */ .wrapper-3 .waysFlex h3 { font-size:20px; } .waysText { font-size:16px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ .wrapper-3, .iraBannerInner { padding:0 16px; } .beneShell { padding: 56px 16px 60px 16px; } .qaShell { padding:70px 16px 40px 16px; } .prcText, .prcImage { margin:0 0 0 -5px; } .offerShell { margin:0 16px; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .iraBannerInner h1 { font-size:12px; } .wrapper-2 .iraBannerInner h2 { font-size:10.5vw; } .wrapper-2 .waysShell h2 { font-size:26px; } .wrapper-3 .waysFlex h3 { font-size:17px; } .waysText, .waysLink { font-size:14px; } .wrapper-2 .startShell h2 { font-size:8.8vw; } } </style> <script> $GE.JQ(function() { // Script to prepend correct environments to MLD and MGI links var str1 = "merrilledgept1.com"; var str1a = "merrilledgesit1.com"; var str2a = "merrilledgesit2.com"; var str3 = "merrilledge.fsqa.ml.com"; var str4 = "merrilledge.com"; var urlQ = (window.location.host).toLowerCase(); var myurl = "https://olui2.fs.ml.com"; var mgiurl = "https://oaui.fs.ml.com"; if (urlQ.indexOf(str1) >= 0) { myurl = "https://olui2.fspt1.ml.com"; mgiurl = "https://oaui.fspt1.ml.com"; } if (urlQ.indexOf(str1a) >= 0) { myurl = "https://olui2.fssit1.ml.com"; mgiurl = "https://oaui.fssit1.ml.com"; } else if (urlQ.indexOf(str2a) >= 0) { myurl = "https://olui2.fssit2.ml.com"; mgiurl = "https://oaui.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; mgiurl = "https://oaui.fsqa.ml.com"; } $('a.mldLink').attr('href', function(i, href) { return myurl + href; }); $('a.mgiLink').attr('href', function(i, href) { return mgiurl + href; }); // Sets margin and padding for "Bonus Offer" box $(document).ready(function() { var offerHeight1 = $('.offerBox').outerHeight() / 2; var offerHalf = '-' + offerHeight1; var screenWidth = document.documentElement.clientWidth; console.log(offerHalf); $('.offerBox').css('top', offerHalf + 'px'); $('.waysShell').css('padding-bottom', offerHeight1 + 112 + 'px'); $('.osChoices').css('padding-top', offerHeight1 + 106 + 'px'); if (screenWidth <= 1200) { $('.waysShell').css('padding-bottom', offerHeight1 + 66 + 'px'); $('.osChoices').css('padding-top', offerHeight1 + 58 + 'px'); } }); // Sets margin and padding for "Bonus Offer" box on resize $(window).resize(function() { var offerHeight1 = $('.offerBox').outerHeight() / 2; var offerHalf = '-' + offerHeight1; var screenWidth = document.documentElement.clientWidth; console.log(offerHalf); $('.offerBox').css('top', offerHalf + 'px'); $('.waysShell').css('padding-bottom', offerHeight1 + 112 + 'px'); $('.osChoices').css('padding-top', offerHeight1 + 105 + 'px'); if (screenWidth <= 1200) { $('.waysShell').css('padding-bottom', offerHeight1 + 66 + 'px'); $('.osChoices').css('padding-top', offerHeight1 + 58 + 'px'); } }).resize(); // 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 { 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else if (urlQ.indexOf(str2) >= 0) { myurl = "https://olui2.fssit2.ml.com"; } else if (urlQ.indexOf(str3) >= 0) { myurl = "https://olui2.fsqa.ml.com"; } $('a#SignIn_header').attr('href', function(i, href) { return myurl + href; }); }); /* $GE.JQ(function() { var is_mobile = false; if( $('#etheader').css('display')!=='none') { is_mobile = true; console.log("Mobile View :: " + is_mobile); } }); */ </script> <div id="etheader"> <div class="menuShell txt-brand"> <div id="mobile-logo"> <div class="site-logo" data-widget="Site Logo"> <a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img"> <span class="ada-hidden">Merrill A Bank of America Company</span> </a> <span class="site-logo__print"> <span class="ada-hidden">Merrill A Bank of America Company</span> </span> </div> </div> <div id="mobile-oao-link"> <a name="mobileHeaderOAO" id="mobileHeaderOAO" href="/global-oao">Open an account</a> </div> <div id="mobile-sign-in"> <a name="SignIn_header" id="SignIn_header" class="mobile-sign-in" href="/login/login.aspx?sgt=3&sitesrc=mobile&_tps=963edc82b68641a49fbca77fd58b2d9b">Login</a> </div> <div id="topmenu"> <a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#"><span class='adahidden'>Open Menu bar</span></a> </div> </div> </div> <div class="spaced"> </div> <div id="toc"> <ul class="mobileNav level1"> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Why Merrill</a> <ul class="level2" aria-hidden="true" id="content-1"> <li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a">How Are We Different?</a> <ul class="level3" aria-hidden="true" id="content-1a"> <li><a name="NavPricing" id="NavPricing" href="/pricing">Pricing & Fees</a></li> <li><a name="NavPR" id="NavPR" href="/preferred-rewards">BofA Preferred Rewards</a></li> <li><a name="NavInsights" id="NavInsights" href="/research/perspectives">Insights</a></li> <li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li> <li><a name="NavMobile" id="NavMobile" href="/mobile-investing">Mobile Investing</a></li> <li><a name="NavESG" id="NavESG" href="/sustainable-investing">Sustainable Investing</a></li> <li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings">Awards & Accolades</a></li> </ul> </li> </ul> </li> <li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Invest</a> <ul class="level2" aria-hidden="true" id="content-2"> <li><a name="NavInvesting" id="NavInvesting" href="/investing">Overview</a></li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a">Ways to Manage Accounts</a> <ul class="level3" aria-hidden="true" id="content-2a"> <li><a name="NavMESD" id="NavMESD" href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</sup> Self-Directed</a></li> <li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li> <li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor">Investing with an Advisor</a></li> <li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments">Compare all</a></li> </ul> </li> <li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2b" aria-expanded="false" id="accordion-control-2b">Investment Accounts</a> <ul class="level3" aria-hidden="true" id="content-2b"> <li><a name="NavBrokerage" id="NavBrokerage" href="/investing/brokerage-accounts">General Investing</a></li> <li><a name="NavEdu" id="NavEdu" href="/education-savings">Education Accounts</a></li> </ul> </li> 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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">  <div class="iraBanner"> <div class="iraBannerInner"> <div class="iraBannerText"> <h1 class="txt-brand-b">Traditional IRA</h1> <h2 class="txt-brand-l bannerText">Tax-deferred<br /> retirement savings </h2> <div><a class="cta orange m" name="ctaBanner" id="ctaBanner" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=traditional_ira_page&oaounit=cta_hero_oao_button&oaocampaign=baseline&oaoterm=ret_start_all"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> </div> </div> </div>  <div class="beneShell coolGrayBg-10-05 "> <h2 class="txt-brand-l">With a traditional IRA, you make contributions to save for retirement and pay taxes on withdrawals later.<span class="adahidden">Footnote </span><sup>1</sup></h2> <h3 class="txt-brand-b">Traditional IRA Benefits</h3> <div class="beneGrid txt-brand"> <div class="bg1"> <div class="beneIcon bi1"></div> <div class="beneText"><span class="adahidden">Item 1 of 4: </span>Make potentially tax-deductible contributions<span class="adahidden">Footnote </span><sup>2</sup></div> </div> <div class="bg2"> <div class="beneIcon bi2"></div> <div class="beneText"><span class="adahidden">Item 2 of 4: </span>Let earnings grow tax-deferred until withdrawn </div> </div> <div class="bg3"> <div class="beneIcon bi3"></div> <div class="beneText"><span class="adahidden">Item 3 of 4: </span>Defer taxes until you make <span class="nowrap">withdrawals later<span class="adahidden">Footnote </span><sup>1</sup></span></div> </div> <div class="bg4"> <div class="beneIcon bi4"></div> <div class="beneText"><span class="adahidden">Item 4 of 4: </span>Invest in stocks, mutual funds, ETFs <span class="nowrap">and more</span></div> </div> </div> </div>  <div class="qaShell"> <div class="qaTab txt-brand-b">Q&A</div> <div class="qaGrid txt-brand"> <div> <h3 class="txt-brand">What is my contribution limit for a traditional IRA?</h3> <div class="qaContent"> <div class="qaText">You may be eligible to contribute up to $7,000 per year, $8,000 if you are 50 <span class="nowrap">or older.<span class="adahidden">Footnote </span><sup>2</sup></span></div> </div> </div> <div> <h3 class="txt-brand">What's a key difference between a traditional and a Roth IRA?</h3> <div class="qaContent"> <div class="qaText">With a traditional IRA, your contributions may be tax deductible. Taxes are deferred until you make withdrawals. With a Roth IRA, you always contribute after-tax dollars and make potentially tax-free withdrawals <span class="nowrap">in retirement.<span class="adahidden">Footnote </span><sup>3</sup></span></div> <a class="qaLink" name="Retirement" id="Retirement" href="/retirement">Learn more about all IRAs available at Merrill</a> </div> </div> </div> </div>  <div class="toolShell"> <div class="wrapper-3"> <div class="toolFlex"> <div class="toolText"> <h2 class="txt-brand-b">Retirement Account Selector</h2> <h3 class="txt-brand-l">Which retirement account is right for you?</h3> <div class="toolBlurb txt-brand-l">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="iraTool4" id="iraTool4" href="/retirement/ira/selector-tool">Try our tool<span class="adahidden"> to compare retirement accounts at Merrill</span></a></div> </div> <div class="toolMods txt-brand"> <a class="toolModLink" name="iraTool1" id="iraTool1" href="/retirement/ira/selector-tool?employee"> <h4><span class="adahidden">Item 1 of 3: </span>I am an employee</h4> <div class="toolModText">I want to know whether a traditional or Roth IRA is right for me</div> </a> <a class="toolModLink" name="iraTool2" id="iraTool2" href="/retirement/ira/selector-tool?self"> <h4><span class="adahidden">Item 2 of 3: </span>I am self-employed</h4> <div class="toolModText">I want to learn about my choices</div> </a> <a class="toolModLink" name="iraTool3" id="iraTool3" href="/retirement/ira/selector-tool?business"> <h4><span class="adahidden">Item 3 of 3: </span>I am a business owner</h4> <div class="toolModText">I want to learn about choices for me, my business and any employees I might have </div> </a> </div> </div> </div> </div>  <div class="wrapper-3"> <div class="prcFlex"> <div class="prcText"> <h2 class="txt-brand-b">Retirement Calculator</h2> <h3 class="txt-brand-l">A smarter way to invest in your future </h3> <div class="prcBlurb txt-brand-l">Whether planning on your own or with an advisor, we have the resources to help guide you through your retirement journey.</div> </div> <div class="prcImage"> <a name="prcLink" id="prcLink" href="/retirement/personal-retirement-calculator"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-home-prc-desk.jpeg" alt="Get started with the Merrill Personal Retirement Calculator" style="max-width:672px;" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-home-prc-mobile.jpeg" alt="Get started with the Merrill Personal Retirement Calculator" style="max-width:374px;" /> </a> </div> </div> </div>  <div class="waysShell coolGrayBg-10-05"> <div class="wrapper-3"> <h2 class="txt-brand-l">See what else your Merrill account has <span class="nowrap">to offer</span></h2> <div class="waysFlex txt-brand"> <a class="waysMod" name="Roth" id="Roth" href="/retirement/roth-ira"> <h3 class="txt-brand"><span class="adahidden">Item 1 of 3: </span>Explore savings with a Roth IRA</h3> <div class="waysText">A Roth IRA allows you to save and invest for retirement using after tax dollars and make qualified withdrawals federal income tax free. </div> <div class="waysLink">Learn more about Roth IRAs<span class="adahidden"> at Merrill</span></div> </a> <a class="waysMod" name="Rollover" id="Rollover" href="/retirement/rollover-ira"> <h3 class="txt-brand"><span class="adahidden">Item 2 of 3: </span>Rollover to a Merrill IRA</h3> <div class="waysText">You can roll over to an IRA, convert to a Roth IRA, roll over to your new employer, take a distribution, or leave the account where it is.<span class="adahidden">Footnote </span><sup>4</sup></div> <div class="waysLink">Learn more about your choices<span class="adahidden"> at Merrill</span></div> </a> <a class="waysMod" name="Invest" id="Invest" href="/investing"> <h3 class="txt-brand"><span class="adahidden">Item 3 of 3: </span>Decide how you want to invest</h3> <div class="waysText">Make your own investments or have Merrill investment professionals manage your portfolio for you, with the option to work with an advisor. </div> <div class="waysLink">Compare your options<span class="adahidden"> at Merrill</span></div> </a> </div> </div> </div>  <div class="offerShell"> <div class="offerBox"> <div class="offerIntro txt-brand-b"><span class="adahidden">Merrill Guided Investing </span>Bonus Offer</div> <div class="offerFlex"> <h2 class="txt-brand-l">Get started with Merrill Guided Investing and pay <strong>$0 in program fees</strong> for 6 months.</h2> <div class="offerText"> <a class="cta orange m mgiLink" name="ctaOffer" id="ctaOffer" href="/oasetup/Isaclient.aspx?channel=OSGI&app=sales"><span>Open an account <span class="adahidden"> with Merrill Guided Investing</span></span></a> <div class="offerCode txt-c pb-5">Use offer code: <strong>6FREE</strong></div> <div class="txt-12"><span class="adahidden">Footnote </span>*Conditions and other fees apply</div> </div> </div> </div> </div>  <div class="osChoices"> <h2 class="osIntro txt-brand-l">Discover your <span class="nowrap">investment choices</span></h2> <div class="osChoicesText txt-brand-l">Find the investments that work for your portfolio, whether you're interested in trading stocks, ETFs, mutual funds or fixed income investments.</div> <div class="osChoicesLinks"> <a name="Stocks" id="Stocks" href="/investing/stocks">Stocks<span class="adahidden"> investing with Merrill</span></a> <a name="Funds" id="Funds" href="/investing/mutual-funds">Mutual Funds<span class="adahidden"> investing with Merrill</span></a> <a name="ETFs" id="ETFs" href="/investing/etf">ETFs<span class="adahidden"> investing with Merrill</span></a> <a name="Fixed" id="Fixed" href="/investing/fixed-income-bonds">Fixed Income<span class="adahidden"> investing with Merrill</span></a> <a name="CDs" id="CDs" href="/investing/certificate-of-deposit">CDs<span class="adahidden"> investing with Merrill</span></a> </div> <div class="osChoicesAll txt-brand-l"> <div class="pb-3">Merrill offers transparent pricing for trades, account services and investment <span class="nowrap">advisory programs.</span><br /> <a name="Pricing" id="Pricing" href="/pricing"><strong>Learn more about pricing at Merrill</strong></a></div> </div> </div>  <div class="startShell coolGrayBg-10-05"> <h2 class="txt-brand-l">Ready to get started?</h2> <div class="startCTA"><a name="ctaStart" id="ctaStart" href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=traditional_ira_page&oaounit=cta_hero_oao_button&oaocampaign=baseline&oaoterm=ret_start_all " class="cta orange m"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div> <div class="startNum txt-brand">Or call us at <a name="ctaCall" id="ctaCall" href="tel:855.488.5245"><strong>855.488.5245</strong></a></div> </div>  <div class="mgiFaqBg"> <div class="wrapper-3"> <div class="mgiFaqs txt-brand-l"> <h2 class="txt-brand-l txt-c">Frequently Asked Questions</h2> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-panels"> <div class="acd-a-cmd"> <a href="javascript:void(0);" role="button" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">What are the potential advantages of a Traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-1"> <ul> <li>Unlike a <a href="/retirement/roth-ira" id="RothFAQ" name="RothFAQ">Roth IRA</a>, the original contributions you make to your account may be tax-deductible and your account's earnings, if any, are federal income tax-deferred — so you can have more to invest, maximizing <a href="/article/traditional-ira-explained" id="Earnings" name="Earnings">your potential earnings return</a>.</li> <li>Withdrawals are taxed as regular income. If your original contributions were not tax-deductible, then they can be withdrawn federally tax free (state taxes may apply).</li> <li>Contributions may be fully tax-deductible if the following is applicable: <ul> <li>Neither you nor your spouse is an active participant in an employer-sponsored retirement plan and you meet the <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ME-annual-contribution-limits-and-tax-reference-guide.pdf" target="_blank" name="limitsPDF_1" id="limitsPDF_1" rel="nofollow" >modified gross income limitations (PDF)</a>.</li> </ul> </li> <li>If you withdraw either your original contribution or earnings before you are age 59½, then you may also be subject to a 10% additional tax, unless an exception applies.</li> </ul> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Am I eligible for a Traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-2"> <ul class="whyList"> <li>Generally, anyone who has earned income equal to or greater than their IRA contribution is eligible.</li> <li>If you or your spouse are covered by an employer-sponsored retirement plan like a 401(k) or 403(b), you may still be eligible for a Traditional IRA but your contributions may not be tax deductible.</li> <li>If you have no earned income but your spouse earns enough income to cover your contribution as well as their own, you can still make contributions to your IRA</li> <li>There's no limit to the number of individual retirement accounts (IRAs) you can own, as long as they do not exceed the maximum contribution across all accounts.</li> </ul> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">What are the contribution limits?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-3"> 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.<span class="adahidden">Footnote </span><sup>2</sup> Be aware of the potential excess contribution excise taxes if you exceed your <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ME-annual-contribution-limits-and-tax-reference-guide.pdf" target="_blank" name="limitsPDF_2" id="limitsPDF_2" rel="nofollow" >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);" role="button" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">What investment choices will I have?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-4"> <div class="pb-10">At Merrill, you'll have access to a full range of investment choices. Select from a wide array of stocks, bonds, options, ETFs, well-known mutual funds and managed portfolios.</div> <div>You may also consider investing in a Money Market IRA or Featured CD IRA offered through Bank of America, N.A.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Are there any fees associated with a Traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-5"> Your Merrill Edge Self-Directed traditional IRA has unlimited $0 online stock, ETF and option trades with no trade or balance minimums.<span class="adahidden">Footnote </span><sup>5</sup> Options contract and other fees may apply.<span class="adahidden">Footnote asterisk </span><span aria-hidden="true">*</span> <a href="/pricing" id="Pricing" name="Pricing">See pricing for details</a> on any fees associated with a Traditional IRA. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">How do I open an IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-6"> It takes just minutes to open your account online. Then, you can quickly fund your new Merrill Traditional IRA and start investing with help from a variety of free resources. Decide <a href="/investing/ways-to-manage-investments" id="MngAcct" name="MngAcct">how you want to manage your account</a> or if you already know, go directly to <a name="oaoFAQ" id="oaoFAQ" class="mldLink" href="/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA">Open an Account</a>. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">Can I borrow from my traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-7"> Generally, you cannot take out a loan from either a traditional or Roth IRA. </div> </div> <div class="acd-a-close acd-a-shell"> <h3><a class="acd-a-head" href="javascript:void(0);" role="button" aria-controls="content-8" aria-expanded="false" id="accordion-control-8">Can I make early withdrawals from a traditional IRA?</a></h3> <div class="acd-a-content" aria-hidden="true" id="content-8"> <div class="pb-10">Here are some general details on IRA rules. In a handful of instances, you might not owe an additional 10% federal tax when you withdraw assets from a traditional or Roth IRA before age 59½. Exceptions to the 10% additional tax include, but are not limited to, money used:</div> <ul class="whyList"> <li>For a qualified first-time homebuyer distribution (up to $10,000; in line with federal tax laws)</li> <li>For qualified higher education expenses (in line with federal tax laws)</li> <li>If you become permanently disabled (in line with federal tax laws)</li> <li>Death</li> </ul> </div> </div> </div> </div> </div> </div> </div> </div>  <div class="wrapper-3">  <div id="etdisclosure">  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="*";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6007">Other fees may apply. Sales of ETFs 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 and mutual funds. To learn more about Merrill pricing, visit <a href="/pricing" id="DiscPricing" name="DiscPricing">our Pricing page</a>.</span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="1";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> 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>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="2";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Contribution and compensation limits are subject to a cost-of-living adjustment annually pursuant to the Internal Revenue Code. Contribution and compensation limits for subsequent years may vary. </div>  <span class="adahidden">Footnote </span><sup>3</sup> There is a single, 5-year holding period when determining whether earnings can be withdrawn federal (and, in most cases, state) income tax-free as part of a qualified distribution from a Roth IRA. This period begins January 1 of the year of the first contribution to any Roth IRA account. Limits shown are for 2025. <br /><br /> <span class="adahidden">Footnote </span><sup>4</sup> These options are available if you terminate employment and have a pre-tax balance in your former employer's qualified retirement plan. Options to leave funds in plan or roll over to your new employer's plan may not be available in certain circumstances. <br /><br />  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="5";</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>  MAP7453972-06302026 </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; } #etdisclosure .disclaimer, #etfooter .disclaimer, .wrapper-2 .disclaimer { background-color:inherit !important; font-size:inherit !important; color:inherit !important; padding:0 0 15px 0; } #etfooter p { margin: 0 0 15px 0; } .shareDesk { display:block; } .shareMobile { display:none; } .adDesk { display:inline; } .adMobile { display:none; } @media only screen and (max-width: 760px) {/* viewport up to 760px */ .shareDesk { display:none; } .shareMobile { display:block; 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All rights reserved. <br /><br /> 4326521 </div> </div>    <script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","name":"What Is a Traditional IRA? Open an IRA Account Online","url":"https://www.merrilledge.com/retirement/traditional-ira"," description":"Traditional IRAs allow you to save for retirement with tax-deferred growth. Learn how to open a traditional IRA account online with Merrill.","image":"https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/ME-traditional-ira-banner-bg-desktop.jpeg","keywords":"what is a traditional ira, traditional ira, traditional ira account, open traditional ira, wfid25197942","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"What is my contribution limit for a traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"You may be eligible to contribute up to $7,000 per year ($8,000 if you are 50 or older)"}},{"@context":"https://schema.org","@type":"Question","name":"What's a key difference between a traditional IRA and a Roth IRA?", "acceptedAnswer":{"@type":"Answer","text":"With a traditional IRA, your contributions may be tax deductible. Federal income taxes are deferred until you make withdrawals. With a Roth IRA, you always contribute after-tax dollars and make potentially tax-free withdrawals in retirement."}},{"@context":"https://schema.org","@type":"Question","name":"What are the potential advantages of a Traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"<ul><li>Unlike a <a href='https://www.merrilledge.com/retirement/roth-ira'>Roth IRA</a>, the original contributions you make to your account may be tax-deductible and your account's earnings are tax-deferred, so you'll have more to invest, maximizing <a href='https://www.merrilledge.com/article/traditional-ira-explained'>your potential earnings return</a>.</li><li>When you retire, withdrawals are taxed as regular income. If your original contributions were not tax-deductible, then they can be withdrawn federally tax free (state taxes may apply).</li><li>Contributions may be fully taxdeductible if the following is applicable: <ul> <li>Neither you nor your spouse is an active participant in an employer-sponsored retirement plan and you meet the <a href='https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ME-annual-contribution-limits-and-tax-reference-guide.pdf'>modified gross income limitations (PDF)</a>.</li></ul></li><li>If you withdraw either your original contribution or earnings before you are age 59 1/2, then you may also be subject to a 10% additional tax.</li></ul>"}},{"@context":"https://schema.org","@type":"Question","name":"Am I eligible for a Traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"<ul><li>Anyone who has earned income equal to or greater than their IRA contribution is eligible.</li><li>If you contribute to an employer-sponsored plan like a 401(k) or 403(b), you may still be eligible for a Traditional IRA</li><li>If you have no earned income but your spouse earns enough income to cover your contribution as well as their own, you can still make contributions to your IRA</li><li>There's no limit to the number of individual retirement accounts (IRAs) you can own, as long as they do not exceed the maximum contribution across all accounts.</li></ul>"}},{"@context":"https://schema.org","@type":"Question","name":"What are the contribution limits?", "acceptedAnswer":{"@type":"Answer","text":"<p>Contributions must be made prior to each year's tax return deadline for the corresponding year, typically April 15th. 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Select from a wide array of stocks, bonds, options, ETFs, well-known mutual funds and managed portfolios.</p><p>You may also consider investing in a Money Market IRA or Featured CD IRA offered through Bank of America, N.A.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Are there any fees associated with a Traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"<p>Your Merrill Edge Self-Directed traditional IRA has unlimited $0 online stock, ETF and option trades with no trade or balance minimums. Options contract and other fees may apply <a href='https://www.merrilledge.com/pricing'>See pricing for details</a> on any fees associated with a Traditional IRA.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How do I open an IRA?", "acceptedAnswer":{"@type":"Answer","text":"<p>It takes just minutes to open your account online. Then, you can quickly fund your new Merrill Traditional IRA and start investing with help from a variety of free resources. Decide <a href='https://www.merrilledge.com/investing/ways-to-manage-investments'>how you want to manage your account</a> or if you already know, go directly to <a href='https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA'>Open an Account</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Can I borrow from my traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"Generally, you cannot take out a loan from either a traditional or Roth IRA."}},{"@context":"https://schema.org","@type":"Question","name":"Can I make withdrawals from a traditional IRA?", "acceptedAnswer":{"@type":"Answer","text":"<p>Here are some general details on IRA rules. In a handful of instances, you might not owe an additional 10% federal tax when you withdraw assets from a traditional or Roth IRA before age 59 1/2. Eligible withdrawals include money used:</p><ul><li>For a qualified first-time homebuyer distribution (up to $10,000; in line with federal tax laws)</li><li>For qualified higher education expenses (in line with federal tax laws)</li><li>If you become permanently disabled (in line with federal tax laws)</li><li>For the birth or adoption of a child (up to $5,000; in line with federal tax laws)</li></ul>"}}]} </script>   <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = 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ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl5_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone4'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f2-r"><div id="dvZone5"><div id="ctl00_ctl00_siteContent_MainContent_phZone5" class="phZone5"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl6_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone5'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f2-r"><div id="dvZone6"><div id="ctl00_ctl00_siteContent_MainContent_phZone6" class="phZone6"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone6'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f2-r"><div id="dvZone7"><div id="ctl00_ctl00_siteContent_MainContent_phZone7" class="phZone7"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone7'; /* ]]> */</script> </div></span> </div> </div></div></div></div><div class="zone z-f3"><div class="z-f3-r"><div id="dvZone8"><div id="ctl00_ctl00_siteContent_MainContent_phZone8" class="phZone8"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone8'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f3-r"><div id="dvZone9"><div id="ctl00_ctl00_siteContent_MainContent_phZone9" class="phZone9"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone9'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f3-r"><div id="dvZone10"><div id="ctl00_ctl00_siteContent_MainContent_phZone10" class="phZone10"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone10'; /* ]]> */</script> </div></span> </div> </div></div></div><div class="z-f3-r"><div id="dvZone11"><div id="ctl00_ctl00_siteContent_MainContent_phZone11" class="phZone11"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12"> <div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ContentPlaceHolder"></div> <span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ECMSContentCtrl1"><div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1"> <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0]+'|'+specparams[i][1]; paramChanged=true;} } if (paramChanged==true) {var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1'); obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY)); obj.LoadContent(); } } Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber); function ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() { ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback); } var ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array(); ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location']='location_id|phZone11'; /* ]]> */</script> </div></span> </div> </div></div></div></div></div></div> </div> </div> <div id="dvFSDDisclaimer" class="site-disclaimer"> <span id="ctl00_ctl00_siteContent_cctlDisclaimer"><div id="ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"> </div></span> </div> <div id="dvFooter" class="site-footer"> <span id="ctl00_ctl00_siteContent_cctlFooter">  <style> a.ot-sdk-show-settings { background-image: 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; } /* Styles used to conform Disclaimer Library pieces and override Legacy disclaimer styles */ #dvFooter .disclaimer { background-color: transparent!important; font-size:12px !important; padding: 0 0 15px !important; } #dvDisclaimer .disclaimer > .disclaimer { padding:0 0 15px 0; } #dvFooter #jdBold { font-weight: bold; } .disclaimer .disclaimer, .askDisc .disclaimer { font-size:inherit!important; color:inherit; padding:0 0 15px 0; } /* Styles used to keep column content and borders the same length */ .site-footer .row { display:flex; } .site-footer .row .col { height:auto; } /* Adjust for content swap between columns 3 and 4 */ .site-footer .row .col-3 .chat { background: url(bg/footer-chat.png) no-repeat 0 0; height: 26px; line-height: 28px; padding-left: 34px; display: inline-block; } .site-footer .row .col-3 a:hover.chat { text-decoration: none; } .site-footer .row .col-3 .call-center { border-top: 1px dotted #999; border-bottom: 1px dotted #999; margin: 5px 0 15px 0; padding: 10px 0; color: #666; } .site-footer .row .col-3 .call-center p { padding: 0; margin: 0; } .site-footer .row .col-3 .call-center .toll-free { color: #767676; font-size: 1.6667em; font-weight: bold; margin: 0 0 5px 0; } p.factset { margin:0; padding:0 0 15px 0; } </style> <script type="text/javascript"> Sys.Application.add_load(function(){ $('.interstitialdesk').on('click', function (evt) { evt.preventDefault(); OnlineCommonJSFunctions.LoadModalPopupByUrl($(this).attr('data-link'), '', '210', '500px'); }); }); </script> <script type="application/ld+json"> { "@context" : "http://schema.org", "@type" : "Organization", "name" : "Merrill Edge", "url" : "https://www.merrilledge.com", "sameAs" : [ "https://twitter.com/merrilledge", "https://www.youtube.com/user/MerrillEdge", "https://www.linkedin.com/company/merrill-edge" ] } </script> <div class="site-footer-980"> <div class="row"> <div class="col col-1"> <div><h3>I'd Like to</h3></div> <div> <ul> <li><a name="footerRetirement" id="footerRetirement" href="/retirement-planning">Plan for Retirement</a></li> <li><a name="footerCollege" id="footerCollege" href="/college-savings">Plan for College</a></li> <li><a name="footerEmergencyFund" id="footerEmergencyFund" href="/guidance/starting-out/emergency-fund">Create an Emergency Fund</a></li> <li><a name="footerStategy" id="footerStategy" href="/guidance/investment-help">Create an Investment Strategy</a></li> <li><a name="footerOAO1" id="footerOAO1" href="/global-oao">Open an Account<span class="adahidden"> with Merrill</span></a></li> </ul> </div> </div> <div class="col col-2"> <div><h3>Discover Merrill</h3></div> <div> <ul> <li><a name="footerWhyME" id="footerWhyME" href="/why-merrill-edge">Why Merrill</a></li> <li><a name="footerPricing" id="footerPricing" href="/pricing">Pricing</a></li> <li><a name="footerOnlineTrading" id="footerOnlineTrading" href="/investing/online-trading">Online Trading</a></li> <li><a name="footerCareers" id="footerCareers" target="_blank" href="https://careers.bankofamerica.com/en-us">Careers</a></li> <li><a name="footerAwards" id="footerAwards" href="/why-merrill-edge/awards-ratings">Awards & Recognition</a></li> </ul> </div> </div> <div class="col col-3"> <div><h3>Contact Us</h3></div>   <div class="call-center ifaNo"> <p class="toll-free">888.637.3343</p>  </div>  <div class="call-center ifaYes hide"> <p class="bold" style="padding-bottom:3px;">To find the small business<br /> retirement plan that works<br /> for you, contact:<p> <p><a 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></p> </div> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="oflo-hide"> <div class="fl pr-15"><a name="FooterLinkedIn" id="FooterLinkedIn" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img width="22" height="20" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" /></a></div> <div class="fl pr-15"><a name="FooterTwitter" id="FooterTwitter" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img width="18" height="18" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" /></a></div> <div class="fl pt-2"><a name="FooterYouTube" id="FooterYouTube" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img width="20" height="14" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" /></a></div> </div> </div> <div class="col col-4"> <div><h3>Unlimited $0 Trades</h3></div> <div class="w-180 lead-16 pb-5">With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimums<span class="adahidden">Footer footnote </span><sup>b</sup></div> <div class="w-180 lead-16 pb-15">Options contracts and other fees may apply<span class="adahidden">Footer footnote </span><sup>a</sup> </div> <div class="pb-5"><a name="footerOAO2" id="footerOAO2" href="/global-oao" class="cta orange"><span>Open an account<span class="adahidden"> with Merrill Edge Self-Directed</span></span></a></div> </div> </div> </div>  <div class="site-footer-980"> <div class="txt-gray2">  <span class="adahidden">Footer footnote </span><strong><script type="text/javascript"> var tradeSUP = "a";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id=D6007>Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice. <br/> <br/> For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. </div>  <div class="txt-gray2" style="letter-spacing:-.1px;"><strong>Investment products offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated, and insurance and annuity products offered through Merrill Lynch Life Agency Inc.:</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> <span id="D6050">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.").</span> </div>  <p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p> <p>Merrill Lynch Life Agency Inc. 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}); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ecphL2HeaderZone\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","traditional-ira","location","cphL2HeaderZone","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":true,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone1\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","traditional-ira","location","phZone1","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":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone2\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","traditional-ira","location","phZone2","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":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\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","traditional-ira","location","phZone3","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":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone4\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","traditional-ira","location","phZone4","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":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone5\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","traditional-ira","location","phZone5","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":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone6\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","traditional-ira","location","phZone6","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl7_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZone7\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","traditional-ira","location","phZone7","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl8_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\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","traditional-ira","location","phZone8","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl9_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\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","traditional-ira","location","phZone9","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl10_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\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","traditional-ira","location","phZone10","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl11_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_Standard","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\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","traditional-ira","location","phZone11","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ecmsWPRECMSContentCtrl1"}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl12_ctl00_ECMSContentCtrl1")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {"Application":"m","ContentFound":false,"ContentLocations":"","ControlId":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer","DesignParams":null,"Errors":"","ManifestLocation":"","Mode":"real","Page":"traditional-ira","RootDocumentCategory":"SIMPLE_HTML","RootDocumentFriendlyName":null,"RootDocumentLevel":null,"RootDocumentName":"RDN_ME_Disclaimer","RuntimeParams":"\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003etraditional-ira\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e","Segment":"DEFAULT","ServicePath":"https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx","Site":"OSE","Specializations":["site","OSE","Page","traditional-ira","Tactic","OTHER"],"SuppressContentOnLoad":"False","SuppressHtmlMarkup":"False"}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_siteContent_ecmsWPRcctlFooter"}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter")); }); Sys.Application.add_init(function() { $create(Online.Platform.Web.UI.Controls.PlatformContentControl, {"ECMSClientID":"ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags")); }); //]]> </script> </form> </body> </html>