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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 />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2INT" class="mega-nav" style="left:;"><div id="INTcol1" class="fl nav mn-col1" style="left:;"><div id="col1INTWrap" class="wrap" style="left:;"><div id="headCol1INT" class="heading" style="left:;">Personal Investing & Trading</div><ul id="col1INT" class="nl-a" style="left:;"><li id="nav1_col1INT" class="" style="left:;"><a href="/investing">Personalized Investment Options</a></li></ul><div id="headsub1Col1INT" class="heading mt-30" style="left:;">Ways to Manage Accounts</div><ul id="sub1col1INT" class="nl-a" style="left:;"><li id="nav1_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-self-directed-trading">Merrill Edge<sup>庐</sup> Self-Directed</a></li><li id="nav2_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li><li id="nav3_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-investment-advisor">Invest with an Advisor</a></li><li id="nav4_sub1col1INT" class="" style="left:;"><a href="/investing/ways-to-manage-investments">Compare All</a></li></ul></div></div><div id="INTcol2" class="fl nav mn-col2" style="left:;"><div id="col2INTWrap" class="wrap" style="left:;"><div id="headCol2INT" class="heading" style="left:;" href="/investment-products">Investment Accounts</div><ul id="col2INT" class="nl-a" style="left:;"><li id="nav1_col2INT" class="" style="left:;"><a href="/investing/brokerage-accounts">General Investing</a></li><li id="nav3_col2INT" class="" style="left:;"><a href="/education-savings">Education Accounts</a></li></ul><div id="headSub1Col2INT" class="heading mt-30" style="left:;">Investment Products</div><ul id="Sub1col2INT" class="nl-a" style="left:;"><li id="nav1_sub1col2INT" class="" style="left:;"><a href="/investing/stocks">Stocks</a></li><li id="nav2_sub1col2INT" class="" style="left:;"><a href="/investing/mutual-funds">Mutual Funds</a></li><li id="nav3_sub1col2INT" class="" style="left:;"><a href="/investing/etf">ETFs</a></li><li id="nav4_sub1col2INT" class="" style="left:;"><a href="/investing/fixed-income-bonds">Fixed Income & Bonds</a></li><li id="nav5_sub1col2INT" class="" style="left:;"><a href="/investing/certificate-of-deposit">CDs</a></li><li id="nav6_sub1col2INT" class="" style="left:;"><a href="/investment-products/options">Options</a></li></ul></div></div><div id="INTcol3" class="fl nav mn-col3" style="left:;"><div id="col3INTWrap" class="wrap" style="left:;"><div id="headCol3INT" class="heading" style="left:;">Trading</div><ul id="col3INT" class="nl-a" style="left:;"><li id="nav1_col3INT" class="" style="left:;"><a href="/investing/margin-trading">Margin Trading</a></li><li id="nav2_col3INT" class="" style="left:;"><a href="/investing/best-execution-trading">Order Execution Quality</a></li></ul><div id="headSub1Col3INT" class="heading mt-30" style="left:;">Investment Tools</div><ul id="Sub1col3INT" class="nl-a" style="left:;"><li id="nav1_sub1col3INT" class="" style="left:;"><a href="/idea-builder">Idea Builder</a></li><li id="nav2_sub1col3INT" class="" style="left:;"><a href="/dashboard">Merrill Edge MarketPro<sup>庐</sup></a></li></ul></div></div><div id="INT_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:140px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneInvest" id="phoneInvest" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptInvest" id="apptInvest" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-book-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Education</p> <p class="txt-12 bold mb-0"><a name="infoInvest" id="infoInvest" class="lead-16" href="/investor-education">Build your knowledge with<br /> our insights and education</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:95px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2GNR" class="mega-nav" style="left:;"><div id="GNRcol1" class="fl nav mn-col1" style="left:;"><div id="col1GNRWrap" class="wrap" style="left:;"><div id="headSub1Col1GNR" class="heading" style="left:;" href="/guidance/tools">Financial Goal Planning</div><ul id="Sub1col1GNR" class="nl-a" style="left:;"><li id="nav1_sub1col1GNR" class="" style="left:;"><a href="/guidance">Overview</a></li></ul><div id="headSub2Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">By Life Stage</div><ul id="Sub2col1GNR" class="nl-a" style="left:;"><li id="nav1_sub2col1GNR" class="" style="left:;"><a href="/guidance/starting-out">Early in Your Career</a></li><li id="nav2_sub2col1GNR" class="" style="left:;"><a href="/guidance/building-wealth">Peak Earning Years</a></li><li id="nav3_sub2col1GNR" class="" style="left:;"><a href="/guidance/nearing-retirement">Nearing Retirement</a></li><li id="nav4_sub2col1GNR" class="" style="left:;"><a href="/guidance/retired">In Retirement</a></li></ul><div id="headSub3Col1GNR" class="heading mt-30" style="left:;" href="/guidance/tools">Tools & Resources</div><ul id="Sub3col1GNR" class="nl-a" style="left:;"><li id="nav1_sub3col1GNR" class="" style="left:;"><a href="/guidance/tools">View all Tools</a></li><li id="nav2_sub3col1GNR" class="" style="left:;"><a href="/guidance/tax-planning">Tax Resources</a></li></ul></div></div><div id="GNRcol2" class="fl nav mn-col3" style="left:;"><div id="col2GNRWrap" class="wrap" style="left:;"><div id="headCol2GNR" class="heading" style="left:;" href="/guidance">Education Planning</div><ul id="col2GNR" class="nl-a" style="left:;"><li id="nav1_col2GNR" class="" style="left:;"><a href="/college-savings">Plan for College</a></li><li id="nav2_col2GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator">College Cost Calculator</a></li><li id="nav3_col2GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li></ul><div id="headSub1Col2GNR" class="heading mt-30" style="left:;" href="/guidance">Retirement Planning</div><ul id="Sub1col2GNR" class="nl-a" style="left:;"><li id="nav1_Sub1col2GNR" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav2_Sub1col2GNR" class="" style="left:;"><a href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li><li id="nav3_Sub1col2GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">Retirement Account Selector Tool</a></li><li id="nav4_Sub1col2GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li></ul></div></div><div id="GNR_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneGuide" id="phoneGuide" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptGuide" id="apptGuide" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-invest-portfolio-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing and Trading</p> <p class="txt-12 bold mb-0"><a name="infoGuide" id="infoGuide" class="lead-16" href="/investing">A full range of<br /> investment choices</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2Research" class="mega-nav" style="left:;"><div id="col1RES" class="fl nav mn-col1" style="left:;"><div id="wrapRES" class="wrap" style="left:;"><div id="headRES" class="heading" style="left:;">Solutions</div><ul id="Col1RES" class="nl-a" style="left:;"><li id="nav2_Col1RES" class="" style="left:;"><a href="/retirement/rollover-ira">Rollover</a></li><li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira">Traditional IRA</a></li><li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira">Roth IRA</a></li></ul><div id="headCol1Sub1RES" class="heading mt-30" style="left:;">Retirement Resources</div><ul id="Col1Sub1RES" class="nl-a" style="left:;"><li id="nav1_Col1Sub1RES" class="" style="left:;"><a href="/retirement/retirement-income-planning">Income in Retirement</a></li><li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/retirement-planning">Plan for Retirement</a></li><li id="nav3_Col1Sub1RES" class="" style="left:;"><a href="/retirement">Retirement Account Types</a></li><li id="nav4_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement">Retirement Tools</a></li></ul></div></div><div id="col2RES" class="fl nav mn-col2" style="left:;"><div id="wrap2RES" class="wrap" style="left:;"><div id="headRES2" class="heading" style="left:;" href="/research-and-insights">Small Business</div><ul id="Col2RES" class="nl-a" style="left:;"><li id="nav1_Col2RES" class="" style="left:;"><a href="/small-business/401k">Small Business 401(k)</a></li><li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k">Individual 401(k)</a></li><li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira">SEP IRA</a></li><li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira">SIMPLE IRA</a></li><li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business">View All Plans</a></li></ul></div></div><div id="l2Research_CMS" class="fl cms mn-col3" style="left:;"><div class="wrap" style="padding-bottom:100px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneResearch" id="phoneResearch" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptResearch" id="apptResearch" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-goal-target-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Financial Planning</p> <p class="txt-12 bold mb-0"><a name="infoResearch" id="infoResearch" class="lead-16" href="/guidance">Insights to help you<br /> plan for your goals</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25" style="padding-bottom:90px;">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25" style="padding-bottom:80px;"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2IE" class="mega-nav" style="left:;"><div id="EDUcol1" class="fl nav mn-col1" style="left:;"><div id="col1EDUWrap" class="wrap" style="left:;"><div id="headCol1EDU" class="heading" style="left:;">Investing Insights & Education</div><ul id="col1EDU" class="nl-a" style="left:;"><li id="nav1_col1EDU" class="" style="left:;"><a href="/investor-education">Overview</a></li><li id="nav2_col1EDU" class="" style="left:;"><a href="/guidance/start-investing">Get Started Investing</a></li><li id="nav3_col1EDU" class="" style="left:;"><a href="/investor-education/investing-basics">Investing Basics</a></li><li id="nav4_col1EDU" class="" style="left:;"><a href="/investor-education/advanced-investing">Advanced Investing</a></li><li id="nav5_col1EDU" class="" style="left:;"><a href="/research/perspectives">Market & Investing Insights</a></li></ul></div></div><div id="EDUcol2" class="fl nav mn-col2" style="left:;"><div id="col2EDUWrap" class="wrap" style="left:;"><div id="headCol2EDU" class="heading" style="left:;" href="/investor-education">Product Education</div><ul id="col2EDU" class="nl-a" style="left:;"><li id="nav3_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-stocks">Stocks</a></li><li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li><li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs">ETFs</a></li><li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li><li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education">Options</a></li></ul></div></div><div id="l2IE_CMS" class="fl cms mn-col4" style="left:;"><div class="wrap" style="padding-bottom:162px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneEd" id="phoneEd" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptEd" id="apptEd" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-award-ribbon-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Investing Solutions</p> <p class="txt-12 bold mb-0"><a name="infoEd" id="infoEd" class="lead-16" href="/why-merrill ">Explore the advantages<br /> of investing with Merrill</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-20">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div></div><div id="l2OAA" class="mega-nav" style="left:;"><div id="OAA_CMS" class="fl cms mn-col1" style="left:;"><div class="wrap" style="padding-bottom:160px;"> <div class="heading">Help When You Want It</div> <div class="fsa-notincontext"> <div> <div class="pt-5 pb-10 pl-25 pr-25">  <div class="ifaNo"> <div class="mega-flex mb-20"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-phone-call-scalable.png" alt="" style="width:24px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Available 24/7</p> <p class="txt-12 bold mb-0"><a name="phoneOAO" id="phoneOAO" href="tel:888.637.3343">888.637.3343</a></p> </div> </div> <div class="mega-flex"> <div class="mega-image"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-location-fsa-scalable.png" alt="" style="width:18px; height:auto;" /></div> <div class="mega-text"> <p class="txt-14 mb-5">Guidance near you</p> <p class="txt-12 bold mb-0"><a name="apptOAO" id="apptOAO" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000">Schedule an appointment</a></p> </div> </div> </div>  <div class="ifaYes hide"> <div class="mega-flex ifa"> <div class="mega-image ifa"><img src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-email-scalable.png" alt="" style="width:30px; height:auto;" /></div> <div class="mega-text"> <p class="bold txt-s txt-gray2 txt-12 mt-5 mb-0 lead-125pc">To find the small business<br /> retirement plan that works<br /> for you, contact:</p> </div> </div> </div> </div> </div> <div class="pt-5 pl-25 pr-25 pb-35">  <a class="ifaYes hide" target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a><br />  </div> </div> <div class="fsa-incontext mt-15 pt-15 pr-20 pb-20 pl-25"> <div class="mb-15" style="display:flex;"> <span class="fsa-photo fsa-placement"></span> <div style="display:flex; flex-direction:column; justify-content:center;"> <p class="bold mb-5 w-145"><a class="fsa-website" href="" target="_self"><span class="fsa-firstname"></span> <span class="fsa-lastname"></span></a></p> <p class="fsa-functionaltitle mt-0 mb-10"></p> <p class="fsa-phone bold mt-0 mb-0"></p> <p class="fsa-extension bold mt-0 mb-0"></p> </div> </div> <div><a class="fsa-scheduleappointment cta orange mb-10" href="" target="_self"><span>Schedule an appointment</span></a></div> <p class="mt-0 mb-0 lead-14">Learn more about an advisor's<br /> background on <a onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/broker-check-modal',null,500,650,null,null,'modal2',true,'pageMask2');return false;" href="javascript:void(0);">FINRA's BrokerCheck</a></p> </div> </div> <style> .mega-flex { align-items:center; display:flex; gap:12px; } .mega-flex.ifa { gap:10px; } .mega-image { align-items:center; display:flex; flex-direction:column; flex-shrink:0; justify-content:flex-end; text-align:center; width:24px; } .mega-image.ifa { width:30px; } .fsa-placement { background-position:center center; background-repeat:no-repeat; background-size:100% auto; display: block; height:65px; margin-right:6px; width:50px; } .fsa-incontext a.cta.orange { background:#0052c2; border-color:#0052c2; } .fsa-incontext a:hover.cta.orange { background:#0073cf; border-color:#0073cf; } </style></div><div id="OAAcol1" class="fl nav mn-col2" style="left:;"><div id="col1OAAWrap" class="wrap" style="left:;"><div id="headCol1OAA" class="heading" style="left:;">General Investing</div><ul id="col1OAA" class="nl-a" style="left:;"><li id="nav1_col1OAA" class="" style="left:;"><a href="/global-oao">Account Options</a></li><li id="nav2_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li><li id="nav3_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=JointCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Joint Investing Account</a></li><li id="nav4_col1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Custodial Investing Account</a></li></ul><div id="headSubCol1OAA" class="heading mt-30" style="left:;">Retirement Accounts</div><ul id="subcol1OAA" class="nl-a" style="left:;"><li id="nav1_subcol1OAA" class="" style="left:;"><a href="/global-oao?src_cd=internal&oaochannel=edge_public&oaosource=global_nav_acct_sel&oaounit=rollover_link&oaocampaign=baseline&oaoterm=rollover_baseline">Rollover</a></li><li id="nav2_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=TraditionalIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Traditional IRA</a></li><li id="nav3_subcol1OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=RothIRA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Roth IRA</a></li></ul><div id="headSubCol4OAA" class="heading mt-30" style="left:;">Inherited IRA</div><ul id="subcol4OAA" class="nl-a" style="left:;"><li id="nav1_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=TraditionalIRA">Traditional Inherited IRA</a></li><li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA">Roth Inherited IRA</a></li></ul></div></div><div id="OAAcol2" class="fl nav mn-col3" style="left:;"><div id="col2OAAWrap" class="wrap" style="left:;"><div id="headCol2OAA" class="heading" style="left:;">College Planning Accounts</div><ul id="col2OAA" class="nl-a" style="left:;"><li id="nav1_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/SubAccountTypeA.aspx?_tps=76a2df6657eb4727924724805b48aaa0">529 College Savings Plans</a></li><li id="nav2_col2OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=CustodialCMA&_tps=76a2df6657eb4727924724805b48aaa0">Custodial UGMA/UTMA Accounts</a></li></ul><div id="headSubCol2OAA" class="heading mt-30" style="left:;">Managed Portfolios</div><ul id="Subcol2OAA" class="nl-a" style="left:;"><li id="nav1_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Merrill Guided Investing</a></li><li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing">Invest with an Advisor</a></li></ul></div></div><div id="OAAcol3" class="fl nav mn-col4" style="left:;"><div id="col3OAAWrap" class="wrap" style="left:;"><div id="headSubCol3OAA" class="heading" style="left:;">Small Business Accounts</div><ul id="colSub3OAA" class="nl-a" style="left:;"><li id="nav1_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Small Business 401(k)</a></li><li id="nav2_Subcol3OAA" class="" style="left:;"><a href="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/401k-customize',null,150,525,null,null,'modal2',true,'pageMask2');">Individual 401(k)</a></li><li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA">SEP IRA</a></li><li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA">SIMPLE IRA</a></li><li id="nav5_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/BIAAccountApplicationandAgreement.pdf">Business Investor Account</a></li></ul><div id="headCol3OAA" class="heading mt-30" style="left:;">Simple Flat-Rate Pricing</div><ul id="col3OAA" class="nl-a" style="left:;"><li id="nav1_col3OAA" class="" style="left:;"><a href="/pricing">lnvesting Costs & Fees</a></li></ul></div></div></div></div> </div> <div id="dvClearHeader">  </div> <div id="contentArea" > <div class="site-stage"> <input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="merrill-guided-investing" /><div id="pageTitle" class="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div class="pt-wrap"><div id="dvPageTitle"><div id="ctl00_ctl00_siteContent_MainContent_cphL2HeaderZone" class="cphL2HeaderZone"> </div></div></div></div><div id="zonecontainer" class="zt-f" xmlns:xhtml="http://www.w3.org/1999/xhtml"><div id="zone1" class="zone fix-width-auth t18z1"><div id="ctl00_ctl00_siteContent_MainContent_phZone1" class="phZone1"> </div></div><div id="zone2" class="zone t18z2"><div 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font-size:38px; line-height:1.25; padding: 0 0 20px 0; } .mgiBannerTag { font-size:12px; line-height:1.35; } .offerShell { min-height:251px; padding:54px 24px; } .wrapper-2 .offerShell h2 { font-size:12px; height:25px; line-height:26px; letter-spacing:1px; margin: 0 0 20px 0; } .offerText { font-size:28px; padding:0 0 20px 0; } .chartShell { padding:54px 0 110px 0; } .wrapper-2 .chartShell h2 { font-size:14px; letter-spacing:1.17px; padding:0 0 16px 0; } .wrapper-2 .chartShell h3 { font-size:28px; line-height:1.37; max-width:510px; } .chartRowFlex { max-width:668px; } .crm1 { font-size:12px; line-height:1.5; max-width:96px; padding:12px 12px 16px 0; } .crm2 { margin:0 12px 0 0; max-width:280px; padding:12px 12px 16px 12px; } .crm3 { max-width:280px; padding:12px 12px 16px 12px; } .crm2.cMin, .crm3.cMin { padding:16px 12px; } .crm1.botRow { padding:12px 12px 40px 0; } .crm2.botRow { padding:12px 12px 40px 12px; } .crm3.botRow { padding:12px 12px 40px 12px; } .crm2.coStart { padding:20px 12px 0 12px; } .crm3.coStart { padding:20px 12px 0 12px; } .chartRowFlex.titles .chartMod { min-height:99px; } .cTop::after { left:12px; right:12px; } .crm1.botRow { padding:16px 12px 46px 0; } .chartRowFlex h4 { font-size:16px; padding:0 0 2px 0; } .chartRowFlex.mins .chartMod { min-height:76px; } .chartMod.checkmark { background-position:18px center; } .coShell { max-width:186px; min-height:148px; } .coButton { font-size:10px; padding:0 10px; } .coText { font-size:13px; } .prShell { padding:50px 0 65px 0; } h2.h2red { font-size:12px; letter-spacing:1px; padding:0 0 17px 0; } h3.h3large { font-size:28px; line-height:1.35; padding:0 0 20px 0; } .prShell { margin:0 auto; max-width:675px; } .prCTA { padding:0 0 42px 0; } .prFlex { margin:0 auto; max-width:500px; } .esgm2 { padding:0 36px; } .bbiShell { padding:50px 24px 60px 24px; } .bbiLogos { margin:0 0 3px 0; } .bbiBull { margin:0 10px 0 0; } .bbiBull img { max-width:30px; } .bbiPlus { font-size: 28px; margin:0 8px 6px 0; } .bbiFlag img { max-width:36px; } .wrapper-2 .bbiShell h2 { max-width:480px; padding:0 0 36px 0; } .bbiImage { padding:0 0 33px 0; } .bbiImage img { max-width:210px; } .bbiImage img.desk { display:none; } .bbiImage img.mobile { display:inline-block; } .bbiText { font-size:18px; max-width:520px; padding:0 0 20px 0; } .startImage { display:none; } .startText { padding:60px 24px 50px 24px; } .wrapper-2 .startText h2 { margin:0 auto; max-width:100%; padding:0 0 30px 0; text-align:center; } .startList { margin:0 auto 27px auto; max-width:265px; } .startList:last-of-type { margin:0 auto; } .startNum { width:54px; } .waysShell { padding:60px 24px 66px 24px; } .wrapper-2 .waysShell h2 { padding:0 0 26px 0; } .waysFlex { margin:0 auto; max-width:676px; } .waysFlex > div { padding:73px 24px 24px 24px; } .waysMGIA .waysText { max-width:245px; } .mgiFaqs { font-size:16px; padding:55px 0 45px 0; } .mgiFaqs .jq_expColAll { font-size:14px; } .wrapper-2 .mgiFaqs h3 { font-size:14px; } .wrapper-2 .mgiFaqs h4 { font-size:22px; } .mgiFaqs .acd-a-open h4, .mgiFaqs .acd-a-close h4 { background-position:right 5px center; background-size:13px auto; } .wrapper-2 .mgiFaqs .acd-a-open h4 { 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: 30px 0; } #etfooter { display:block; font-size:12px; color:#524940; background: #f0f0f0; padding: 30px 20px 30px 20px; } } @media only screen and (max-width: 768px) {/* viewport up to 768px */ .linkDesk { display:none;} .linkMobile { display:inline;} .shareDesk { display:none; } .shareMobile { display:block; } .mgiBannerOuter { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-guided-investing-banner-tablet.jpeg); background-position:right top; min-height:470px; } .esgFlex { flex-direction:column; justify-content:flex-start; } .esgMod { max-width:100%; } .esgm1 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-why-merrill-esg-banner-bg-tablet.jpeg); height:186px; } .esgm2 { justify-content:flex-start; padding:54px 20px 68px 20px; text-align:center; } .esgm2 h3 { margin:0 auto; } } @media only screen and (max-width: 750px) {/* viewport up to 750px */ .wrapper-3 { padding:0 16px; } .mgiBannerInner { padding:264px 24px 32px 24px; } .mgiBannerText { margin:0 auto; min-height:300px; padding:18px 16px 40px 16px; text-align:center; } .wrapper-2 .mgiBannerInner h2 { font-size:38px; padding:0 0 20px 0; } .beneShell { padding:20px 24px 66px 24px; } .beneFlex { flex-direction:column; gap:24px; max-width:316px; } .beneFlex > div { line-height:1.25; padding:0 0 0 45px; } .beneMod1, .beneMod2, .beneMod3, .beneMod4 { width:auto; } .waysShell { padding:55px 24px 66px 24px; } .waysFlex { flex-direction:column; gap:20px; margin:0 auto; max-width:366px; } .mgiFaqs .acd-a-open, .mgiFaqs .acd-a-close { padding:20px 0; } .wrapper-2 .mgiFaqs h4 a { margin:0 auto; max-width:84%; } .wrapper-2 .mgiFaqs .acd-a-open h4 { margin:0 auto 10px auto; } } @media only screen and (max-width: 568px) {/* viewport up to 568px */ .prFlex { flex-wrap:nowrap; justify-content:flex-start; margin:0 -16px 0 0; padding:0 20px 8px 8px; } .prFlex.scroll { white-space: nowrap; overflow-x: auto; -webkit-overflow-scrolling: touch; -ms-overflow-style: -ms-autohiding-scrollbar; } .prFlex.scroll::-webkit-scrollbar { display: none; } .prMod { max-width:204px; min-width:204px; white-space:normal; } .scrollNavShell { display:block; padding:0 0 15px 0; } .wrapper-2 .mgiFaqs h2 { padding:0 0 20px 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 */ .mgiBannerOuter { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-guided-investing-banner-mobile.jpeg); background-position:center top; } .wrapper-2 .mgiBannerInner h2 { font-size:9.1vw; } .offerShell { min-height:325px; padding:54px 24px 50px 24px; } .offerText { line-height:1.3; } .chartShell { padding:54px 0 70px 0; } .wrapper-2 .chartShell h3 { margin:0 auto; max-width:366px; padding: 0 0 60px 0; } .crm1 { max-width:90px; } .crm2, .crm3 { line-height:1.15; } .crm1.botRow { padding:12px 12px 18px 0; } .crm2.botRow { padding:12px 12px 18px 12px; } .crm3.botRow { padding:12px 12px 18px 12px; } .crm2.coStart { padding:12px 12px 0 12px; } .crm3.coStart { padding:12px 12px 0 12px; } .chartRowFlex h4 { font-size:14px; padding:0; } .chartRowFlex.titles .chartMod { min-height:86px; } .chartMod.checkmark { background-position:22px center; } .coShell { min-height:213px; } .prShell h3.h3large { max-width:358px; } .prCTA { padding:0 0 24px 0; } .esgm1 { background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-why-merrill-esg-banner-bg-mobile.jpeg); } .esgFlex h3.h3large { margin:0 auto; max-width:245px; } .wrapper-2 .bbiShell h2 { line-height:1.36; padding:0 0 32px 0; } .bbiImage { padding:0 0 40px 0; } .bbiText { margin:0 auto; max-width:300px; } .wrapper-2 .startText h2 { padding:0 0 40px 0; } .wrapper-2 .waysShell h2 { line-height:1.35; } } @media only screen and (max-width: 412px) {/* viewport up to 412px */ .chartRowShell.scroll { white-space: nowrap; overflow-x: auto; -webkit-overflow-scrolling: touch; -ms-overflow-style: -ms-autohiding-scrollbar; } .chartRowShell.scroll::-webkit-scrollbar { display: none; } .chartRowShell.scroll > div { white-space:normal; } .chartRowFlex { width:382px; } } @media only screen and (max-width: 390px) {/* viewport up to 390px */ .wrapper-3 { padding:0 16px; } .mgiBannerInner { padding: 264px 16px 32px 16px; } } @media only screen and (max-width: 375px) {/* viewport up to 375px */ .wrapper-3 { padding:0 12px; } .prFlex { margin:0 -12px 0 0; } } @media only screen and (max-width: 360px) {/* viewport up to 360px */ .mgiBannerInner h1 { font-size:12px; letter-spacing:1px; } .wrapper-2 .prodText h3 { font-size:7.7vw; } .prShell h3.h3large { font-size:7.7vw; } .wrapper-2 .mgiFaqs h3, .mgiFaqs .jq_expColAll { font-size:12px; } .wrapper-2 .mgiFaqs h4 { font-size:20px; } } </style> <script> $GE.JQ(function() { // FAQ accordion scripts $(".jq_expColAll").click(function () { if ($(this).html() == "Expand all") { $(this).html("Collapse all"); $(this).parent().parent().find(".acd-a-close").addClass("acd-a-open").removeClass("acd-a-close"); } else { $(this).html("Expand all"); $(this).parent().parent().find(".acd-a-open").removeClass("acd-a-open").addClass("acd-a-close"); } if ($(".acd-a-shell").hasClass('acd-a-open')) { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "true"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "false"); } else { $(".acd-a-shell").find(".acd-a-head").attr("aria-expanded", "false"); $(".acd-a-shell").find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-open, .acd-a-close").on('click', function (event) { if ($(this).parent().parent().hasClass('jq_oneAtATime')) { $(this).parent().children().addClass('acd-a-close').removeClass('acd-a-open'); $(this).addClass('acd-a-open').removeClass('acd-a-close'); } else { $(this).toggleClass("acd-a-close").toggleClass("acd-a-open"); } if ($(this).hasClass('acd-a-open')) { $(this).find(".acd-a-head").attr("aria-expanded", "true"); $(this).find(".acd-a-content").attr("aria-hidden", "false"); } else { $(this).find(".acd-a-head").attr("aria-expanded", "false"); $(this).find(".acd-a-content").attr("aria-hidden", "true"); } }); $(".acd-a-content a").click(function (e) { e.stopPropagation(); }); // 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; }); }); </script>   <style> body:after { position:absolute; width:0; height:0; overflow:hidden; z-index:-1; content: url(/Publish/Content/image/png/GWMOL/acd-c-small-left-white.png) url(/Publish/Content/image/png/GWMOL/acd-c-open.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger.png) url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close.png) url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png) url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png) url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png); } #etheader { display:none; } .spaced { display:none; } .menuShell { align-items:center; display:flex; justify-content:flex-start; height:56px; padding:0 15px; } #mobile-logo { margin:0 auto 0 0; } #mobile-logo .site-logo { margin:0; } #mobile-oao-link a, #mobile-sign-in a { display:inline-block; font-size:14px; margin:0 30px 0 0; } a.burger-open { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-v2.png) no-repeat center center; display:block; height: 11px; margin:0; padding:0; text-decoration:none; width: 30px; } a.burger-close { background: url(/Publish/Content/image/png/GWMOL/ME-mobile-icon-burger-close-v2.png) no-repeat center center; display:block; height:18px; margin:0; padding:0; text-decoration:none; width:30px; } /* Accordion(s) */ #acd-unit a { text-decoration:none; } #acd-unit a.acd-c-head-main { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-legal { font-family: 'connections', Arial, Helvetica, sans-serif; } #acd-unit a.acd-c-head-tools { font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 500; } .acd-c { margin: 0 0 0 0; border:0; } .acd-c .acd-c-open, .acd-c .acd-c-close { margin: 0px; border:0; } .acd-c .acd-c-head { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; text-decoration:none; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-single { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; display: block; padding: 0 0 0 40px; border-bottom: 1px solid #e4dfd5; } .acd-c .acd-c-head-main { height: 45px; line-height: 45px; font-size: 16px; color: #6b5e51; background-color: #ece6dd; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-legal { height: 45px; line-height: 45px; font-size: 16px; color: #ffffff; background-color: #6b5e51; display: block; padding: 0 0 0 48px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c .acd-c-head-tools { height: 45px; line-height: 45px; font-size: 16px; color: #0052C2; background-color: #ffffff; display: block; padding: 0 0 0 38px; text-decoration:none; border:0; margin-bottom:2px; } .acd-c a.acd-c-head:hover { text-decoration: none; background-color: #f3efe7; } .acd-c a.acd-c-head-single:hover { text-decoration: none; background-color: #f3efe7; } .acd-c a.acd-c-head-main:hover { text-decoration: none; background-color: #d1c9c0; } .acd-c a.acd-c-head-legal:hover { text-decoration: none; background-color: #333333; } .acd-c a.acd-c-head-tools:hover { text-decoration: none; background-color: #ffffff; } .acd-c .acd-c-open .acd-c-head { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-open.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-main { background: #ece6dd url(/Publish/Content/image/png/GWMOL/acd-c-open.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-legal { background: #6b5e51 url(/Publish/Content/image/png/GWMOL/acd-c-open-white.png) no-repeat 20px 18px; } .acd-c .acd-c-open .acd-c-head-tools { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-open-blue.png) no-repeat 20px 18px; } .acd-c .acd-c-open { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-main { background: #ece6dd url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-legal { background: #6b5e51 url(/Publish/Content/image/png/GWMOL/acd-c-close-white.png) no-repeat 20px 17px; } .acd-c .acd-c-close .acd-c-head-tools { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close-blue.png) no-repeat 20px 17px; } .acd-c .acd-c-close { background: #ffffff url(/Publish/Content/image/png/GWMOL/acd-c-close.png) no-repeat 20px 17px; } .acd-c .acd-c-close a.acd-c-head:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-close a.acd-c-head-main:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-close a.acd-c-head-legal:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close-white.png); color: #ffffff; } .acd-c .acd-c-close a.acd-c-head-tools:hover { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close-blue.png); color: #0052C2; } .acd-c .acd-c-close { background-image: url(/Publish/Content/image/png/GWMOL/acd-c-close.png); color: #6b5e51; } .acd-c .acd-c-content { background: #fff; padding: 0; margin: 0; } .acd-c .acd-c-close .acd-c-content { display: none; } /* End Accordion(s) */ a.button-mobile-blue { display:inline-block; color: #ffffff; text-decoration:none; background:#0052c2; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-blue:hover { background:#0073cf; text-decoration:none; } a.button-mobile-red { display:inline-block; color: #ffffff; text-decoration:none; background:#dc1431; padding: 0 15px 0 15px; height:30px; line-height:30px; font-size:14px; font-family: 'connections', Arial, Helvetica, sans-serif; font-weight: 400; } a.button-mobile-red:hover { background:#d41230; text-decoration:none; } #toc { position: 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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 lead-125pc">  <div class="mgiBannerOuter txt-black"> <div class="mgiBannerInner"> <div class="mgiBannerText"> <h1 class="txt-brand-b">Merrill Guided Investing</h1> <h2 class="txt-brand-l">Get a professionally managed portfolio with Merrill Guided Investing </h2> <div class="mgiBannerCTA"><a name="ctaBanner" id="ctaBanner" class="cta orange m mgiLink" href="/oasetup/Isaclient.aspx?channel=OSGI&app=sales"><span>Open an account<span class="adahidden"> with Merrill Guided Investing</span></span></a></div> <div class="txt-brand mgiBannerTag">Merrill Guided Investing is an investment <span class="nowrap">advisory program</span></div> </div> </div> </div>  <div class="beneShell coolGrayBg-10-05"> <h2 class="txt-brand-b">Benefits</h2> <div class="beneFlex txt-brand-l"> <div class="beneMod1"> <span class="adahidden">Item 1 of 4: </span> Have your portfolio managed by Merrill investment professionals,<span class="adahidden">Footnote </span><sup>1</sup> with the option to work with an advisor </div> <div class="beneMod2"> <span class="adahidden">Item 2 of 4: </span> Tell us about your goal online, and we'll recommend an <span class="nowrap">investment strategy.</span> </div> <div class="beneMod3"> <span class="adahidden">Item 3 of 4: </span> Monitor your performance and change or add goals as needed<span class="adahidden">Footnote </span><sup>2</sup> </div> <div class="beneMod4"> <span class="adahidden">Item 4 of 4: </span> Tax-efficient management overlay services to help maximize returns<span class="adahidden">Footnote </span><sup>3</sup> </div> </div> </div>  <div class="offerShell"> <h2 class="txt-brand-b">Special Offer</h2> <div class="offerText txt-brand-l"><strong>$0 program fees</strong> for 6 months with Merrill Guided Investing<span class="adahidden">Footnote </span><sup>9</sup></div> <div class="mb-15"><a name="ctaOffer" id="ctaOffer" class="cta orange m mgiLink" href="/oasetup/Isaclient.aspx?channel=OSGI&app=sales"><span>Open an account<span class="adahidden"> with Merrill Guided Investing</span></span></a></div> <div class="txt-14"><strong>MUST USE OFFER CODE: 6FREE</strong></div> </div>  <div class="chartShell txt-brand"> <div class="wrapper-3 "> <h2 class="txt-brand-b">Pricing and Program Features</h2> <h3 class="chartIntro txt-brand-l">Set your investing goals online or talk with an advisor and set <span class="nowrap">goals together.</span></h3> <div class="chartRowShell scroll" role="table"> <div class="chartRowFlex titles" role="row"> <div class="chartMod crm1" role="cell"> </div> <div class="chartMod crm2 cTitle cTop" role="columnheader"><h4 role="presentation">Merrill Guided Investing</h4></div> <div class="chartMod crm3 cTitle cTop" role="columnheader"><h4 role="presentation">Merrill Guided Investing <span class="nowrap">with an advisor</span></h4></div> </div> <div class="chartRowFlex line mins" role="row"> <div class="chartMod crm1 cMin" role="rowheader">Minimum investment</div> <div class="chartMod crm2 cMin" role="cell"> <div> As low as <span class="nowrap">$1,000<span class="adahidden">Footnote </span><sup class="note">10</sup></span> </div> </div> <div class="chartMod crm3 cMin" role="cell"> <div> As low as <span class="nowrap">$20,000<span class="adahidden">Footnote </span><sup class="note">10</sup></span> </div> </div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">ETF and mutual fund strategies </div> <div class="chartMod crm2 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing - checkmark</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">Tax-efficient management <span class="nowrap">overlay strategies</span></div> <div class="chartMod crm2 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing - checkmark</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">Online dashboard</div> <div class="chartMod crm2 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing - checkmark</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">Professionally managed portfolios</div> <div class="chartMod crm2 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing - checkmark</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">Establish a goal online</div> <div class="chartMod crm2 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing - checkmark</span></div> <div class="chartMod crm3" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - not applicable</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">Advisor helps you establish goals online</div> <div class="chartMod crm2" role="cell"><span class="adahidden">Merrill Guided Investing - not applicable</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex line" role="row"> <div class="chartMod crm1" role="rowheader">One-on-one advice</div> <div class="chartMod crm2" role="cell"><span class="adahidden">Merrill Guided Investing - not applicable</span></div> <div class="chartMod crm3 checkmark" role="cell"><span class="adahidden">Merrill Guided Investing with an advisor - checkmark</span></div> </div> <div class="chartRowFlex" role="row"> <div class="chartMod crm1 botRow" role="rowheader">Annual program fee</div> <div class="chartMod crm2 botRow cBot" role="cell"> <div class="coTitle two">0.45%</div> <div class="coTextSmall one">calculated and assessed monthly based on your prior month's balance<span class="adahidden">Footnote </span><sup>5</sup></div> <div class="coDisc pb-20">Other fees may apply<span class="adahidden">Footnote </span>*</div> <div class="coBottom"> <div class="coShell"> <div class="coButton">Special Offer</div> <div class="coText two txt-brand-l"><span class="coNum">$0</span> program fees for 6 months for <span class="nowrap">new enrollments<span class="adahidden">Footnote </span><sup>9</sup></span></div> <div class="coOffer">MUST USE <span class="nowrap">OFFER CODE:</span><br /> <strong>6FREE</strong></div> <div class="coDisc pt-10">Conditions and other fees may apply<span class="adahidden">Footnote </span>*</div> </div> </div> </div> <div class="chartMod crm3 botRow cBot" role="cell"> <div class="coTitle two">0.85%</div> <div class="coTextSmall one">calculated and assessed monthly based on your prior month's balance<span class="adahidden">Footnote </span><sup>4</sup></div> <div class="coDisc">Other fees may apply<span class="adahidden">Footnote </span>*</div> </div> </div> <div class="chartRowFlex" role="row"> <div class="chartMod crm1" role="rowheader"><span class="adahidden">Open an account</span> </div> <div class="chartMod crm2 coStart" role="cell"> <a class="cta orange m mgiLink" name="chartMGI" id="chartMGI" href="/oasetup/Isaclient.aspx?channel=OSGI&app=sales"><span>Get started<span class="adahidden"> with Merrill Guided Investing</span></span></a> </div> <div class="chartMod crm3 coStart" role="cell"> <a class="cta orange m" name="chartMGIA" id="chartMGIA" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MEADVCEN_ECBBA_A3000"><span>Schedule an appointment<span class="adahidden"> with Merrill Guided Investing with an advisor</span></span></a> </div> </div> </div> </div> </div>  <div class="prShell"> <div class="wrapper-3"> <h2 class="h2red txt-brand-b">Bank of America Preferred Rewards<sup>®</sup></h2> <h3 class="h3large txt-c txt-brand-l">Get rewarded for your combined Bank of America banking and Merrill investing account balances.<span class="adahidden">Footnote </span><sup>6</sup></h3> <div class="prCTA txt-c"><a class="cta orange m" name="ctaPR" id="ctaPR" href="/preferred-rewards"><span>Learn more<span class="adahidden"> about Preferred Rewards</span></span></a></div> <div class="prFlex scroll" id="onePRC"> <div class="prMod gold"> <span class="adahidden">Gold Preferred Rewards</span> <div class="prRange txt-brand-l">$20K to <$50K</div> <div class="prAve">3-month combined average daily balance</div> </div> <div class="prMod plat"> <span class="adahidden">Platinum Preferred Rewards</span> <div class="prRange txt-brand-l">$50K to <$100K</div> <div class="prAve">3-month combined average daily balance</div> </div> <div class="prMod platHonors"> <span class="adahidden">Platinum Honors Preferred Rewards</span> <div class="prRange txt-brand-l">$100K to <$1MM</div> <div class="prAve">3-month combined average daily balance</div> </div> <div class="prMod diamond"> <span class="adahidden">Diamond Preferred Rewards</span> <div class="prRange txt-brand-l">$1MM to <$10MM</div> <div class="prAve">3-month combined average daily balance</div> </div> </div> </div> </div>  <div class="esgFlex coolGrayBg-10-05"> <div class="esgMod esgm1"></div> <div class="esgMod esgm2"> <h2 class="h2red txt-brand-b" style="line-height:1.5;">ESG – Environmental, Social, Governance</h2> <h3 class="h3large txt-brand-l">Align your portfolio with <span class="nowrap">your values<span class="adahidden">Footnote </span><sup>7</sup></span></h3> <div class="esgCTA"><a class="cta orange m" name="ctaESG" id="ctaESG" href="/sustainable-investing"><span>Explore sustainable investing<span class="adahidden"> at Merrill</span></span></a></div> </div> </div>  <div class="bbiShell"> <div class="bbiLogos" aria-hidden="true"> <div class="bbiBull"><img class="bull" src="/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png" alt="" /></div> <div class="bbiPlus txt-brand">+</div> <div class="bbiFlag"><img class="flagscape" src="/Publish/Content/image/png/GWMOL/ME-icon-BoA-flagscape-all-red-scalable.png" alt="" /></div> </div> <h2 class="txt-brand-l">Merrill investing and Bank of America banking <span class="nowrap">connected online</span></h2> <div class="bbiImage"> <img class="desk" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-guided-investing-bbi-desk.jpeg" alt="" /> <img class="mobile" src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-guided-investing-bbi-mobile.jpeg" alt="" /> <div class="bbiDisc txt-brand-l" aria-hidden="true">For illustrative purposes only</div> </div> <div class="bbiText txt-brand-l">Simply link your accounts to start banking or investing from wherever you are and earn rewards on more of the things you do <span class="nowrap">every day</span></div> <div class="mobileLogos"> <a name="AppStore" id="AppStore" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-apple','','270','280px');return false;" href="javascript:void(0);"><img src="/Publish/Content/image/png/GWMOL/ME-mobile-apple-app-store-120x40.png" alt="Download on the App Store" /><span class="adahidden"> popup</span></a> <a name="GooglePlay" id="GooglePlay" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-google','','270','280px');return false;" href="javascript:void(0);"><img src="/Publish/Content/image/png/GWMOL/ME-mobile-google-play-120x40.png" alt="Get it on Google Play" /><span class="adahidden"> popup</span></a> </div> </div>  <div class="startFlex coolGrayBg-10-05"> <div class="startText txt-brand-l"> <h2 class="txt-brand-l">Get started with Merrill <span class="nowrap">Guided Investing</span></h2> <div class="startList"> <div class="startNum"><span class="adahidden">Item </span>1<span class="adahidden"> of 3</span></div> <div class="startListText">Tell us about yourself and your investing goal</div> </div> <div class="startList"> <div class="startNum"><span class="adahidden">Item </span>2<span class="adahidden"> of 3</span></div> <div class="startListText">Review your recommended investment strategy</div> </div> <div class="startList"> <div class="startNum"><span class="adahidden">Item </span>3<span class="adahidden"> of 3</span></div> <div class="startListText">Open and fund your account online or with an advisor</div> </div> </div> <div class="startImage"> <img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-guided-investing-advisor.jpeg" alt="" /> </div> </div>  <div class="waysShell"> <h2 class="txt-brand-l">Other ways to invest <span class="nowrap">with Merrill</span></h2> <div class="waysFlex txt-brand"> <div class="waysMESD"> <h3>Merrill Edge Self‑Directed</h3> <div class="waysText">Put your ideas into action. Build and manage your own portfolio with personalized tools with <span class="nowrap">Merrill Edge Self‑Directed</span></div> <div class="waysLink"><a name="waysSelf" id="waysSelf" href="/investing/merrill-self-directed-trading">Learn more<span class="adahidden">&bnsp;about Merrill Edge Self-Directed</span></a></div> </div> <div class="waysMGIA"> <h3>Get Guidance from <span class="nowrap">an Advisor</span></h3> <div class="waysText">Work one‑on‑one with an advisor. Get guidance to define and pursue your investing goals and get ongoing advice when you want it.</div> <div class="waysLink"><a name="waysAdvised" id="waysAdvised" href="/investing/merrill-investment-advisor">Learn more<span class="adahidden">&bnsp;about Merrill Guided Investing with an advisor</span></a></div> </div> </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"> <h3 class="txt-brand-b">About Merrill <span class="nowrap">Guided Investing</span></h3> <a href="javascript:void(0);" role="button" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">How do I know if Merrill Guided Investing is right for me?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-1"> <div class="pb-15">Merrill Guided Investing may be right for you if:</div> <ul> <li>You're looking for an investment advisory program with a low fee for your goal online through a professionally-managed portfolio vs. doing it yourself.</li> <li>You want an investment strategy built and managed by investment professionals in portfolio construction and investment selection by the Chief Investment Office ("CIO").<span class="adahidden">Footnote </span><sup>1</sup></li> </ul> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">What types of accounts can I open?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-2"> <div>You can open the following product/account types, or convert existing accounts to Merrill Guiding Investing: Individual, Joint and Custodial (UTMA/UGMA) CMAs, Traditional IRAs, Roth IRAs, SEP and SIMPLE IRAs. You can also roll over a 401(k) or other employer-sponsored retirement plan. Consider all of your choices and learn if a rollover may be right for <span class="nowrap">you.<span class="adahidden">Footnote </span><sup>8</sup></span> Clients with existing trusts may convert them into Merrill Guiding Investing, but currently cannot open new Merrill Guided Investing trust accounts. For any other types of accounts, please contact us or go to <a name="faqOAO" id="faqOAO" href="/global-oao">Open an account</a>.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Is there a minimum to open a Merrill Guided Investing account?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-2"> <div>Yes. There is a $1,000 investment minimum for growth-focused strategies or a $50,000 investment minimum for income-focused strategies for each Merrill Guided Investing account. Merrill Guided Investing with Advisor has a $20,000 investment minimum for growth-focused strategies or a $50,000 investment minimum for income-focused strategies.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">What are the costs for a Merrill Guided Investing account?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-4"> <div class="pb-15">Merrill Guided Investing carries a low 0.45% annual program fee<span class="adahidden">Footnote </span><sup>5</sup> and Merrill Guided Investing with Advisor has a 0.85% annual program fee.<span class="adahidden">Footnote </span><sup>4</sup> Program fees are charged monthly. With Merrill Guided Investing, if your account's balance at the end of May (for example) is $1,000, your fee for June would be less than $1. ($1,000 end-of-month balance X .0045 annual program fee)/12 months = $0.38. This amount will vary monthly based on your month-end account balance. With Merrill Guided with Advisor, if your account's balance at the end of May (for example) is $20,000, your fee for June would be less than $15. ($20,000 end-of-month balance X .0085 annual program fee)/12 months = $14.17. This amount will vary monthly based on your month-end account balance. Other fees may apply.<span class="adahidden">Footnote </span>*</div> <div>There are no trading commissions when our portfolio managers buy or sell ETFs in your account's portfolio. However, there are exchange fees charged by third parties, such as a transaction fee of between $0.01 to $0.03 per $1,000 of the principal for sell orders. In addition, there are fees associated with investing in ETFs, which are listed in each ETF prospectus under "Expenses and Charges." For more details about fees, <a href="https://oaui.fs.ml.com/Publish/Content/application/pdf/GWMOL/Merrill-Edge-Guided-Investing-Program-Brochure.pdf" target="_blank" name="Brochure-1" id="Brochure-1" >please review the Program Brochure (PDF)</a>.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">How do I track my portfolio's performance?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-5"> <div>Once you're enrolled, you can track the performance of your portfolio on your Merrill Guided Investing dashboard online or through the mobile app.</div> </div> </div> </div> </div> </div> <div class="sg-unit"> <div class="acd-a"> <div class="acd-a-cmd"> <h3 class="txt-brand-b">Investment Strategy and <span class="nowrap">Portfolio Management</span></h3> <a href="javascript:void(0);" role="button" class="jq_expColAll">Expand all</a> </div> <div class="acd-a-panels"> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">How is Merrill Guided Investing different from robo advisors that make purely computer-driven investment decisions and other online investing programs?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-6"> <div class="pb-15">Many online investment advisory programs use technology to make automatic, computer-driven portfolio adjustments based on mathematical rules or algorithms, which is why they are sometimes called "robo advisors."</div> <div class="pb-15">Merrill Guided Investing takes a different approach that combines:</div> <ul class="list"> <li><strong>The efficiency and power of technology</strong> to both recommend an investment strategy (which is based on your goal, risk tolerance and investment time horizon) and quickly process the investment decisions our investment professionals make on your behalf</li> <li><strong>Management by Merrill investment professionals</strong> who use a disciplined approach to asset allocation, portfolio construction and investment selection<span class="adahidden">Footnotes </span><sup>1,2</sup></li> <li><strong>Online access</strong> so you know where your portfolio is positioned at all times</li> </ul> Additionally, clients enrolled in Merrill Guided Investing with Advisor have the added benefit of working with a Merrill Financial Solutions Advisor to assist in determining the appropriate portfolio for their goal(s). A Financial Solutions Advisor can help you take a comprehensive approach to your financial life. From guidance on Merrill investing solutions to Bank of America's full suite of banking solutions. </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-7" aria-expanded="false" id="accordion-control-7">How are investment strategies determined for Merrill Guided Investing accounts?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-7"> <div class="pb-15">While technology can simplify investing and deliver real-time information, it's no substitute for human insight and skill. That's why Merrill relies on the investment professionals from the Chief Investment Office ("CIO")<span class="adahidden">Footnote </span><sup>1</sup> team to manage the portfolio strategies and investment selection for all of the Merrill Guided Investing accounts.</div> <div class="pb-15">The CIO<span class="adahidden">Footnote </span><sup>1</sup> investment professionals focus on asset allocation, investment analysis and portfolio construction for Merrill Guided Investing accounts. Their work involves:</div> <ul> <li>Creating strategic asset allocation models</li> <li>Building the investment portfolios</li> <li>Making short-term tactical adjustments</li> <li>Review and selection of ETFs and mutual funds for the strategies</li> <li>Strategy review and oversight</li> </ul> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-8" aria-expanded="false" id="accordion-control-8">What information is used to provide a recommended investment strategy?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-8"> <div>First, you'll select a goal and answer some questions online about how much you want to invest and when you think you'll need to access your funds. Next, you'll answer questions to determine the risk tolerance for your goal. Finally, you'll review the recommended strategy based on the information you provided. If you choose to enroll in Merrill Guided Investing with Advisor, you'll meet with an advisor to discuss your recommended portfolio and further refine your goal(s). If you choose to invest in the recommended strategy, you can then go ahead and open your account.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-9" aria-expanded="false" id="accordion-control-9">How is Merrill Guided Investing different from working with a Merrill Financial Solutions Advisor?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-9"> <div class="pb-15">Merrill Guided Investing strategies are built and managed behind the scenes by our investment professionals in the Chief Investment Office ("CIO").<span class="adahidden">Footnote </span><sup>1</sup> This approach allows us to combine innovative technology with professional guidance to offer a low-cost investment account.</div> <div class="pb-15">Although, with Merrill Guided Investing, you won't invest with the advice of a Merrill Financial Solutions Advisor, you can always call us to talk with an investment specialist if you have questions about your account.</div> <div>If you prefer to receive advice from a Merrill Financial Solutions Advisor you can enroll in Merrill Guided Investing with Advisor, or find a Financial Solutions Advisor at a Bank of America financial center near you. <a name="Schedule" id="Schedule" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MEADVCEN_ECBBA_A3000">Schedule an appointment</a></div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-10" aria-expanded="false" id="accordion-control-10">What is an ETF and how are ETFs selected for my portfolio?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-10"> <div class="pb-15">Exchange Traded Funds (ETFs) offer exposure to a group of securities made up of stocks and /or bonds. ETFs trade like a stock, so prices change throughout the day. Investors can buy and sell at any time during market hours, providing more liquidity and flexibility.</div> <div>The ETFs selected for Merrill Guided Investing portfolios must pass a rigorous screening by the Chief Investment Office ("CIO").<span class="adahidden">Footnote </span><sup>1</sup> Our investment professionals choose exchange traded funds (ETFs) that fulfill the asset allocation for each strategy. The goal is to look for ETFs in each asset class that have the potential to contribute to the portfolio's returns. Please note, while Merrill Guided Investing allows clients to reasonably restrict investments in ETFs, the program does not allow clients to invest in individual securities.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-11" aria-expanded="false" id="accordion-control-11">Does my Merrill Guided Investing account balance count toward my Bank of America Preferred Rewards tier balance requirement?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-11"> <div>Yes. Clients enrolled in Preferred Rewards receive a discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards-enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors tier based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs.<span class="adahidden">Footnote </span><sup>6</sup> This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. 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 pricing, visit <a name="faqPricing" id="faqPricing" href="/pricing">merrilledge.com/pricing</a>.</div> </div> </div> <div class="acd-a-close acd-a-shell"> <h4><a class="acd-a-head" role="button" href="javascript:void(0);" aria-controls="content-12" aria-expanded="false" id="accordion-control-12">How and when is my account rebalanced?</a></h4> <div class="acd-a-content" aria-hidden="true" id="content-12"> <div class="pb-15">Merrill Guided Investing strategies are actively managed and are not rebalanced on timed intervals or periods. Merrill may update your strategy's allocation based on overall market conditions and potential opportunities to lower or take on more risk.<span class="adahidden">Footnote </span><sup>2</sup></div> <div class="pb-15">Like all securities, the value of the ETFs and mutual funds in your account will rise and fall over time. Our portfolio managers<span class="adahidden">Footnote </span><sup>1</sup> will monitor your account for any changes from your strategy's target asset allocation and rebalance your account as needed. Your account may also be rebalanced due to contributions or withdrawals or other flows of assets into or out of your account.</div> <div class="pb-15">Additionally. Merrill Guided Investing requires clients to complete a periodic review to confirm that their portfolio is still aligned with their goals. If your recommendation changes and you accept the change, your portfolio will be automatically adjusted to the new recommendation. </div> </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><strong>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6063">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 pricing, visit <a name="MGI_Pricing" id="MGI_Pricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="**";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Please review the applicable <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf" target="_blank" name="MGIPDF" id="MGIPDF" rel="nofollow" >Merrill Guided Investing Program Brochure (PDF)</a> or <a href="https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-program-brochure.pdf" target="_blank" name="MGIaPDF" id="MGIaPDF" rel="nofollow" >Merrill Guided Investing with Advisor Program Brochure (PDF)</a> for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. </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 Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).<br /><br /> You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge. </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> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <span class="adahidden">Footnote </span><sup>3</sup> <strong>Tax Efficient Management Overlay Services ("TEM Overlay Services") seek to help manage your Account's trading activity in a more tax-efficient manner in light of U.S. tax rules and regulations. TEM Overlay Services generally try to increase post-tax value for the electing Account through rules-based approaches to rebalancing and other portfolio management activities and loss harvesting.</strong> <br /><br /> <span class="adahidden">Footnote </span><sup>4</sup> There is an annual program fee of 0.85% based on the assets held in the account. This fee is charged monthly in advance.<br /><br /> <span class="adahidden">Footnote </span><sup>5</sup> There is an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance.<br /><br />  <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="6";</script>  <div class="disclaimer" > <style> .disclaimer ol.PR { margin: 0 0 15px 20px; } .disclaimer ol.PR li { margin: 0; } </style> <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Preferred Rewards Program Eligibility.</strong> You can enroll, and maintain your membership, in the Bank of America Preferred Rewards<sup>®</sup> program if you have an active, eligible personal checking account with Bank of America<sup>®</sup> and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either:<br /><br /> <ol class="PR"> <li>a three-month combined average daily balance in your qualifying deposit and investment accounts, or</li> <li>a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.</li> </ol> <div>Refer to your <a href="https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/" id="Fees" name="Fees" target="_blank">Personal Schedule of Fees</a> for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to <a href="https://promo.bankofamerica.com/cebi-disclosures/" id="CEBI" name="CEBI" target="_blank">CEBI Program</a> for details.</div> </div>   <script type="text/javascript"> var tradeSUP="";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="7";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6020"><strong>Sustainable and Impact Investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.</strong></span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="8";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6030"><strong>You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit <a href="/retirement/rollover-ira" target="_blank">our rollover page</a> or call Merrill at <span id="D6030Ph1">888.637.3343</span>.</strong></span> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="9";</script>  <div class="disclaimer" > <script> function openPDF() { // Script to fix issue with Chrome/Edge blocking PDF window.parent.open("https://www.merrilledge.com/guided-investing-program-brochure", "_blank"); } </script> <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <strong>Merrill Guided Investing 6-Month Offer</strong> <br /><br /> <strong>Introductory 6-Month Program Fee Waiver Offer</strong> eligible for accounts that are newly enrolled into the Merrill Guided Investing program (MGI) starting on and after March 27, 2023. <br /><br /> <strong>How it Works:</strong> <br /><br /> <ol style="margin: 0 0 15px 20px;"> <li>To be eligible for the Offer, you must input the <strong>Offer Code</strong> during the account opening step through the MGI website or you must instruct a Merrill representative to input the <strong>Offer Code</strong> for you. You are solely responsible for taking this action to be eligible for the Offer.</li> <li>Once your account with the <strong>Offer Code</strong> applied has enrolled into MGI, Merrill will waive MGI's annual asset-based fee of 0.45% (Program Fee) for the initial partial month, if applicable, and for 6 full months after the effective date your account's enrollment in MGI (Offer Period).</li> <li>This Offer is solely limited to Merrill's waiver of MGI's Program Fee. Your MGI-enrolled account will be subject to fees and expenses not covered by MGI's Program Fee during and after the Offer Period, including the internal fees and expenses of funds in your account, as described in the <a name="MGIA-Brochure" id="MGIA-Brochure" href="#" onclick="openPDF()">MGI ADV brochure</a>. Please refer to the MGI ADV brochure section "Fees and Expenses Not Covered by the Program Fee" for a list of other fees and expenses that your MGI-enrolled account may be charged and that are not included in MGI's Program Fee.</li> <li>This Offer is only available to newly enrolled MGI-accounts, is not transferable to another account, and may not be combined with other offers relating to the account's advisory program fee. When the Offer Period expires, your MGI-enrolled account will be subject to MGI's annual asset-based Program Fee of 0.45% which is charged monthly in advance. If you unenroll your account from MGI before the Offer Period expires, you'll owe no Program Fee for the services provided while the account was enrolled in MGI. If you are eligible for MGI Program Fee discounts, rebates or credits under the Preferred Rewards Program offered by BANA, then those benefits will apply following the Offer Period's expiration. You may be eligible for other offers from Merrill and its affiliates. Please contact us for more information.</li> <li>Merrill reserves the right to modify these terms and conditions or terminate this Offer at any time without notice. Merrill also reserves the right to refuse a waiver or portion of a waiver for an MGI-enrolled account if it determines that the account obtained it under fraudulent circumstances, that you provided inaccurate or incomplete information in enrolling the account in MGI, or that you violated any terms of your MGI agreement. MGI Program enrollment requirements and guidelines apply.</li> </ol> <div><strong>Tax Disclaimer:</strong> The value of the waiver of MGI's Program Fee may constitute taxable income. Merrill may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the waiver. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice.</div> </div>   <span class="adahidden">Footnote </span><script type="text/javascript"> var tradeSUP="10";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> The Merrill Guided Investing program investment minimum is $1,000 for growth-focused strategies and $50,000 for income-focused strategies. The Merrill Guided Investing with Advisor program investment minimum is $20,000 for growth-focused strategies and $50,000 for income-focused strategies. </div>  MAP6795977-05082026 </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; } .adDesk { display:none; } .adMobile { display:inline; } } </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'); }); }); Sys.Application.add_load(function(){ $('.interstitialMob').on('click', function (evt) { evt.preventDefault(); window.open($(this).attr('data-link'),"_self"); }); }); </script> <div id="etfooter"> <div class="oflo-hide shareDesk" style="width:103px; margin:0 auto 15px auto;"> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="fl" style="padding-right:18px;"><a name="FooterLinkedIn2" id="FooterLinkedIn2" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" border="0" height="20" width="22" /></a></div> <div class="fl" style="padding-right:20px;"><a name="FooterTwitter2" id="FooterTwitter2" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" border="0" height="18" width="18" /></a></div> <div class="fl" style="padding-top:2px;"><a name="FooterYouTube2" id="FooterYouTube2" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" border="0" height="14" width="20" /></a></div> </div> <div class="oflo-hide shareMobile" style="width:103px; margin:0 auto 15px auto;"> <div class="txt-gray2 txt-11 pb-5">Connect with us:</div> <div class="fl" style="padding-right:18px;"><a name="MobileLinkedIn" id="MobileLinkedIn" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-linked-in.aspx" href="https://www.linkedin.com/company/merrill-edge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" border="0" height="20" width="22" /></a></div> <div class="fl" style="padding-right:20px;"><a name="MobileTwitter" id="MobileTwitter" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-twitter.aspx" href="https://twitter.com/merrilledge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-X-18x18.png" alt="X popup" border="0" height="18" width="18" /></a></div> <div class="fl" style="padding-top:2px;"><a name="MobileYouTube" id="MobileYouTube" class="interstitialMob" data-link="/m/pages/mobile/mobile-interstitial-youtube.aspx" href="https://www.youtube.com/user/MerrillEdge"><img src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" border="0" height="14" width="20" /></a></div> </div> <br /> <strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong><br /> <table class="dtable bold"> <tr> <td>Are Not FDIC Insured</td> <td>Are Not Bank Guaranteed</td> <td>May Lose Value</td> </tr> <tr> <td>Are Not Deposits</td> <td>Are Not Insured by Any Federal Government Agency</td> <td>Are Not a Condition to Any Banking Service or Activity</td> </tr> </table> <br /> <div> <strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong> <br /><br />  <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>   <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>  <p>This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" >Client Relationship Summary (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser, <a href="javascript:void(0);" id="DiscSIPC" name="DiscSIPC" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/sipc-interstitial','','270','280px');return false;">Member Securities Investor Protection (SIPC)<span class="adahidden"> popup</span></a> and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp"). </div>  Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp. <br /><br /> Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. <br /><br /> <a name="Privacy" id="Privacy" target="_blank" href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html">Privacy</a> | <a name="Security" id="Security" target="_blank" href="/security-center">Security</a> | <a name="Glossary" id="Glossary" href="/glossary">Glossary</a> | <a href="javascript:void(0);" name="AdModal" id="AdModal" class="adDesk" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','500','600px');return false;">Advertising practices<span class="adahidden"> popup</span></a><a href="javascript:void(0);" name="AdModal" id="AdModal" class="adMobile" onClick="window.open ('/advertising-practices-modal-mobile','adpractices','status=0,titlebar=0,scrollbars,width=640,height=510,left=0,top=0');">Advertising Practices<span class="adahidden"> popup</span></a> <br /> <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings"></a> <br /><br /> © 2024 Bank of America Corporation. All rights reserved. <br /><br /> 4326521 </div> </div>    <script type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","name":"Automated Investing Strategies With Robo-Advisor Technology","url":"https://www.merrilledge.com/investing/merrill-guided-investing","description":"With Merrill Guided Investing, you get a professionally managed portfolio that incorporates robo-advisor technology and human expertise. Get started today.","image":"https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg","keywords":"investment portfolio management,portfolio strategy,automated investing,robo advisor,wfid25060125","mainEntity":[{"@context":"https://schema.org","@type":"Question","name":"How do I know if Merrill Guided Investing is right for me?", "acceptedAnswer":{"@type":"Answer","text":"<p>Merrill Guided Investing may be right for you if:</p><ul><li>You're looking for an investment advisory program with a low fee for your goal online through a professionally-managed portfolio vs. doing it yourself.</li><li>You want an investment strategy built and managed by investment professionals in portfolio construction and investment selection by the Chief Investment Office ('CIO').<sup>*</sup></li></ul><p><sup>*</sup>The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing, including providing its recommendations of ETFs, mutual funds, and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).</p>"}},{"@context":"https://schema.org","@type":"Question","name":"What types of accounts can I open?", "acceptedAnswer":{"@type":"Answer","text":"<p>You can open the following product/account types, or convert existing accounts to Merrill Guiding Investing: Individual, Joint and Custodial (UTMA/UGMA) CMAs, Traditional IRAs, Roth IRAs, SEP and SIMPLE IRAs. You can also roll over a 401(k) or other employer-sponsored retirement plan. Consider all of your choices and learn if a rollover may be right for you.<sup>8</sup> Clients with existing trusts may convert them into Merrill Guiding Investing, but currently cannot open new Merrill Guided Investing trust accounts. For any other types of accounts, please contact us or go to <a href='https://www.merrilledge.com/global-oao'>Open an account</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Is there a minimum to open a Merrill Guided Investing account?", "acceptedAnswer":{"@type":"Answer","text":"<p>Yes. There is a $1,000 investment minimum for growth-focused strategies or a $50,000 investment minimum for income-focused strategies for each Guided Investing account. Merrill Guided Investing with Advisor has a $20,000 investment minimum for growth-focused strategies or a $50,000 investment minimum for income-focused strategies.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"What are the costs for a Merrill Guided Investing account?", "acceptedAnswer":{"@type":"Answer","text":"<p>Merrill Guided Investing carries a low 0.45% annual program fee<sup>5</sup> and Merrill Guided Investing with Advisor has a 0.85% annual program fee.<sup>4</sup> Program fees are charged monthly. With Merrill Guided Investing, if your account's balance at the end of the month is $1,000 then next month's fee would be less than $1. With Merrill Guided Investing with Advisor, if your account's balance at the end of the month is $20,000 then next month's fee would be less than $15. This amount will vary monthly based on your month-end account balance. Other fees may apply.<sup>*</sup></p>"}},{"@context":"https://schema.org","@type":"Question","name":"How do I track my portfolio's performance?", "acceptedAnswer":{"@type":"Answer","text":"<p>Once you're enrolled, you can track the performance of your portfolio on your Merrill Guided Investing dashboard online or through the mobile app.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How is Merrill Guided Investing different from robo advisors that make purely computer-driven investment decisions and other online investing programs?", "acceptedAnswer":{"@type":"Answer","text":"<p>Many online investment advisory programs use technology to make automatic, computer-driven portfolio adjustments based on mathematical rules or algorithms, which is why they are sometimes called 'robo advisors.'</p><p>Merrill Guided Investing takes a different approach that combines:</p><ul><li><strong>The efficiency and power of technology</strong> to both recommend an investment strategy (which is based on your goal, risk tolerance and investment time horizon) and quickly process the investment decisions our investment professionals make on your behalf</li><li><strong>Management by Merrill investment professionals</strong> who use a disciplined approach to asset allocation, portfolio construction and investment selection<sup>1,2</sup></li><li><strong>Online access</strong> so you know where your portfolio is positioned at all times</li></ul><p>Additionally, clients enrolled in Merrill Guided Investing with Advisor have the added benefit of working with a dedicated Merrill Financial Solutions Advisor to assist in determining the appropriate portfolio for their goal(s). Your Financial Solutions Advisor can help you take a comprehensive approach to your financial life. From guidance on Merrill investing solutions to Bank of America's full suite of banking solutions.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How are investment strategies determined for Merrill Guided Investing accounts?", "acceptedAnswer":{"@type":"Answer","text":"<p>While technology can simplify investing and deliver real-time information, it's no substitute for human insight and skill. That's why Merrill relies on the investment professionals from the Chief Investment Office ('CIO')<sup>*</sup> team to manage the portfolio strategies and investment selection for all of the Merrill Guided Investing accounts.</p><p>The CIO<sup>*</sup> investment professionals focus on asset allocation, investment analysis and portfolio construction for Merrill Guided Investing accounts. Their work involves:</p><ul><li>Creating strategic asset allocation models</li><li>Building the investment portfolios</li><li>Making short-term tactical adjustments</li><li>Review and selection of ETFs and mutual funds for the strategies</li><li>Strategy review and oversight</li></ul>"}},{"@context":"https://schema.org","@type":"Question","name":"What information is used to provide a recommended investment strategy?", "acceptedAnswer":{"@type":"Answer","text":"<p>First, you'll select a goal and answer some questions online about how much you want to invest and when you think you'll need to access your funds. Next, you'll answer questions to determine the risk tolerance for your goal. Finally, you'll review the recommended strategy based on the information you provided. If you choose to enroll in Merrill Guided Investing with Advisor, you'll meet with your advisor to discuss your recommended portfolio and further refine your goal(s). If you choose to invest in the recommended strategy, you can then go ahead and open your account.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How is Merrill Guided Investing different from working with a Merrill Financial Solutions Advisor?", "acceptedAnswer":{"@type":"Answer","text":"<p>Guided Investing strategies are built and managed behind the scenes by our investment professionals in the Chief Investment Office ('CIO').<sup>*</sup> This approach allows us to combine innovative technology with professional guidance to offer a low-cost investment account.</p><p>Although, with Merrill Guided Investing, you won't invest with the advice of a Merrill Financial Solutions Advisor, you can always call us 24/7 to talk with an investment specialist if you have questions about your account.</p><p>If you prefer to receive advice from a Merrill Financial Solutions Advisor you can enroll in Merrill Guided Investing with Advisor, or find a Financial Solutions Advisor at a Bank of America financial center near you. <a href='https://locations.merrilledge.com/'>Find a local Merrill Financial Solutions Advisor</a></p><p><sup>*</sup>The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).</p>"}},{"@context":"https://schema.org","@type":"Question","name":"What is an ETF and how are ETFs selected for my portfolio?", "acceptedAnswer":{"@type":"Answer","text":"<p>Exchange Traded Funds (ETFs) offer exposure to a group of securities made up of stocks and /or bonds. ETFs trade like a stock, so prices change throughout the day. Investors can buy and sell at any time during market hours, providing more liquidity and flexibility.</p><p>The ETFs selected for Merrill Guided Investing portfolios must pass a rigorous screening by the Chief Investment Office ('CIO').<sup>*</sup> Our investment professionals choose exchange traded funds (ETFs) that fulfill the asset allocation for each strategy. The goal is to look for ETFs in each asset class that have the potential to contribute to the portfolio's returns. Please note, while Merrill Guided Investing allows clients to reasonably restrict investments in ETFs, the program does not allow clients to invest in individual securities.</p><p><sup>*</sup> The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).</p>"}},{"@context":"https://schema.org","@type":"Question","name":"Does my Merrill Guided Investing account balance count toward my Bank of America Preferred Rewards tier balance requirement?", "acceptedAnswer":{"@type":"Answer","text":"<p>Yes. Clients enrolled in Preferred Rewards receive a discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards-enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors tier based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs.<sup>6</sup> This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. 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 pricing, visit <a href='https://www.merrilledge.com/pricing'>merrilledge.com/pricing</a>.</p>"}},{"@context":"https://schema.org","@type":"Question","name":"How and when is my account rebalanced?", "acceptedAnswer":{"@type":"Answer","text":"<p>Merrill Guided Investing strategies are actively managed and are not rebalanced on timed intervals or periods. Merrill may update your strategy's allocation based on overall market conditions and potential opportunities to lower or take on more risk.<sup>2</sup></p><p>Like all securities, the value of the ETFs and mutual funds in your account will rise and fall over time. Our portfolio managers<sup>*</sup> will monitor your account for any changes from your strategy's target asset allocation and rebalance your account as needed. Your account may also be rebalanced due to contributions or withdrawals or other flows of assets into or out of your account.</p><p>Additionally. Merrill Guided Investing requires clients to complete a periodic review to confirm that their portfolio is still aligned with their goals. If your recommendation changes and you accept the change, your portfolio will be automatically adjusted to the new recommendation.</p><p><sup>*</sup> The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).</p>"}}]} </script>   <script type="text/javascript">/* <![CDATA[ */ function ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams){ var paramChanged=false; for (i=0; i<specparams.length; i++){ if (specparams[i][0]=='location'){ ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_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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Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span> </div> </strong>  <span class="adahidden">Footer footnote </span><script type="text/javascript"> var tradeSUP = "b";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill Edge<sup>®</sup> Self-Directed brokerage account. Brokerage fees associated with, but not limited to, margin transactions, special stock registration/gifting, account transfer and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee. Other fees and restrictions may apply. Pricing is subject to change without advance notice. <br/> <br/> For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus. </div>  <div class="txt-gray2"><strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong></div> <div class="gov-notice"> <table class="bold" role="presentation"> <tbody> <tr> <td style="text-align:center;">Are Not FDIC Insured</td> <td style="text-align:center;">Are Not Bank Guaranteed</td> <td style="text-align:center;">May Lose Value</td> </tr> <tr> <td style="text-align:center;">Are Not Deposits</td> <td style="text-align:center;">Are Not Insured by Any Federal Government Agency</td> <td style="text-align:center;">Are Not a Condition to Any Banking Service or Activity</td> </tr> </tbody> </table> </div> <p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <script>if(tradeSUP){ document.write(tradeSUP.sup()); }</script> <span id="D6045"><strong>Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets.</strong></span> </div>  <p><strong>The performance data contained herein represents past performance which does not guarantee future results. Investment return and principal value will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than the performance quoted. For performance information current to the most recent month end, please contact us.</strong></p> <p>Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns assume the reinvestment of all dividend and capital gain distributions at NAV when paid.</p> <p>Market price returns are based on the prior-day closing market price, which is the average of the midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor would receive if shares were traded at other times.</p> <p>Returns include fees and applicable loads. Since Inception returns are provided for funds with less than 10 years of history and are as of the fund's inception date. 10 year returns are provided for funds with greater than 10 years of history.</p> <p><strong><em>Before investing consider carefully the investment objectives, risks, and charges and expenses of the fund, including management fees, other expenses and special risks. This and other information may be found in each fund's prospectus or summary prospectus, if available. Always read the prospectus or summary prospectus carefully before you invest or send money. Prospectuses can be obtained by contacting us.</em></strong></p> <p><strong>Expense Ratio</strong> – Gross Expense Ratio is the total annual operating expense (before waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's detailed annual fund operating expenses which are provided in the fund's prospectus.</p> <p>This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS1" id="FormCRS1" rel="nofollow" >Client Relationship Summary (Form CRS) (PDF)</a>.</p>  <script type="text/javascript"> var tradeSUP = "";</script>  <div class="disclaimer" > <SCRIPT>if(tradeSUP){ document.write(tradeSUP.sup()); }</SCRIPT> <span id="D6018">Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. 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