www.merrilledge.com
Open in
urlscan Pro
171.161.126.109
Public Scan
Submitted URL: https://click.updates.bofa.com/u/?qs=4958f0a13ff043a72992d735f9c3a48fc723812816fe0b34331fafb5862d1b05a8517c328dc107d94a4862fc5b...
Effective URL: https://www.merrilledge.com/article/how-to-prepare-for-unexpected-financial-events
Submission: On February 23 via api from US — Scanned from DE
Effective URL: https://www.merrilledge.com/article/how-to-prepare-for-unexpected-financial-events
Submission: On February 23 via api from US — Scanned from DE
Form analysis 3 forms found in the DOM
POST ../m/pages/article.aspx?title=how-to-prepare-for-unexpected-financial-events
<form method="post" action="../m/pages/article.aspx?title=how-to-prepare-for-unexpected-financial-events" onsubmit="javascript:return WebForm_OnSubmit();" id="form1">
<div class="aspNetHidden">
<input type="hidden" name="ctl00_ctl00_smOSEConfigurator_HiddenField" id="ctl00_ctl00_smOSEConfigurator_HiddenField" value="">
<input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="">
<input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="/wEPDwUKLTYzNTQzMDQ3NWRkgLnfLgpZRMbbrIApL6U9IXDmmeI=">
</div>
<script type="text/javascript">
//<![CDATA[
var theForm = document.forms['form1'];
if (!theForm) {
theForm = document.form1;
}
function __doPostBack(eventTarget, eventArgument) {
if (!theForm.onsubmit || (theForm.onsubmit() != false)) {
theForm.__EVENTTARGET.value = eventTarget;
theForm.__EVENTARGUMENT.value = eventArgument;
theForm.submit();
}
}
//]]>
</script>
<script src="/M/WebResource.axd?d=74iq84c4FseHrcB6HRrULcRYKjXg6ymg_JN1WMktMqjS9vMJ3XN34t9A0g3e3cYXn3iKJvPwqHfOVlyGHq8ZMDtQneo1&t=637823185705833095" type="text/javascript"></script>
<script language="javascript" type="text/javascript">
var OnlinePlatform_GlobalQuoteIds = {
"TextBoxID": 'ctl00_ctl00_siteContent_glQte_txtSymbol',
"ButtonID": 'ctl00_ctl00_siteContent_glQte_ctl02',
"AutoCompID": 'bAutoComp',
"GlobalQuoteID": 'ctl00_ctl00_siteContent_glQte_GlobalQuote1',
"WatermarkText": 'Get Quote'
};
</script>
<script language="javascript" type="text/javascript">
var platformQuotePositionDetail = 'https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_USTHOLDINGS_POSDTL';
</script>
<script type="text/javascript">
//<![CDATA[
var _clientCtx = {
"TACTIC": "OTHER",
"CONTENTID": "how-to-prepare-for-unexpected-financial-events",
"PAGE": "article",
"ISARTICLERATED": false,
"CaiId": "",
"FirstName": "",
"LastName": "",
"Designations": "",
"FunctionalTitle": "",
"CorporateTitle": "",
"NmlsId": "",
"Phone": "",
"Extension": "",
"Email": "",
"Address1": "",
"Address2": "",
"City": "",
"State": "",
"Zip": "",
"WebsiteURL": "",
"PhotoURL": "",
"BcZip": "",
"BbaURL": "",
"StateRegistrations": "",
"SupervisoryURL": "",
"SupervisoryAddress": "",
"SupervisoryCity": "",
"SupervisoryState": "",
"SupervisoryZip": "",
"SupervisoryPhone": "",
"Identity": "b1195dde-3aba-4aeb-ad27-cfdd6d0dff1d",
"Site": "TM",
"MicroSite": "OSE",
"IsSitePreview": false,
"Segment": "DEFAULT"
};
var SPC = _clientCtx; //]]>
</script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/ms/Microsoft_4.0_min.js?ts=20230201955" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/WM/TM/ge_configuration_min.js?ts=20230201955" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/WM/TM/GE_V3.js?ts=20230201955" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/CommonComponents_min.js?ts=20230201955" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/GE_Combined_min.js?ts=20230201955" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/Platform_min.js?ts=20230201955" type="text/javascript"></script>
<script src="https://www.merrilledge.ml.bac-assets.com/m/scripts/ose.global.min.js?_ver=22.11.8" type="text/javascript"></script>
<script src="/publish/OSE/js/2022.05.20/ose.override.js" type="text/javascript"></script>
<script type="text/javascript">
//<![CDATA[
function WebForm_OnSubmit() {
null;
return true;
}
//]]>
</script>
<div class="aspNetHidden">
<input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="23E35BDE">
<input type="hidden" name="__EVENTVALIDATION" id="__EVENTVALIDATION" value="/wEdAAW08Nfur+frNOkiimRrxYW/Jg4TNy8OEMD0Co8EHCLlQoUnP2milv8uEVSQo61EUG9E8DKykK9BPr65NwI92esxF+r9YrU47ma4aQdgMqSMPTw5nTb6BS5fmaoZQkLQ9rmq4Ms8">
</div>
<div id="dvSITEConfigurator">
<script type="text/javascript">
//<![CDATA[
Sys.WebForms.PageRequestManager._initialize('ctl00$ctl00$smOSEConfigurator', 'form1', [], [], [], 90, 'ctl00$ctl00');
//]]>
</script>
<span id="ctl00_ctl00_LoadScripts1"></span>
</div>
<span id="ctl00_ctl00_clientIdControl"></span>
<div id="siteBodyContent">
<a class="skip-to-content" id="lnkSkipToMainContent" aria-hidden="false" onclick="javascript:skipToContentHandler();" href="#siteBodyContent" tab-index="0">Skip to main content</a>
<div id="wrapper">
<div id="TMoseSiteheader" class="site-header">
<div id="ctl00_ctl00_siteContent_oseHeaderParent">
<div id="oseHeader" class="fc-fix">
<div id="dvlogo">
<span id="ctl00_ctl00_siteContent_cctlLogo">
<div class="site-logo" data-widget="Site Logo">
<a name="headerLogo" id="headerLogo" class="site-logo__img" href="/">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</a>
<span class="site-logo__print">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</span>
</div>
<!-- MediaDictionary
<MediaDictionary>
</MediaDictionary>
-->
</span>
</div>
<div id="dvHeaderRight" class="right-col">
<div id="dvoseHeaderRow1" class="row-1">
<span id="ctl00_ctl00_siteContent_cctlUtilityLinks">
<div class="row-1">
<a href="https://www.bankofamerica.com" id="gotoBoA"><span class="adahidden">Go to Bank of America</span></a>
<span>|</span>
<a href="https://locations.merrilledge.com" target="_self" name="FSA-Locator" id="FSA-Locator">Locations</a>
<span>|</span>
<a id="jq_AboutUs" href="https://about.bankofamerica.com/en" target="_blank">About Us</a>
<span>|</span>
<a id="jq_helpAndSupport" href="/help-support">Help</a>
<span>|</span>
<a href="https://olui2.fs.ml.com/login/login.aspx?sgt=3" target="_self" name="ULinksLogin" id="ULinksLogin">Login</a>
<span>|</span>
<a href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html" target="_blank" class="indent">Privacy</a>
<span>|</span>
<a href="https://www.ml.com/privacy-and-security-center/how-we-protect-you.html" target="_blank" class="indent">Security</a>
<span>|</span>
<a href="https://www.ml.com/legal.html" target="_blank" class="first">Legal Information</a>
<a id="ULinksOAO" class="cta orange s" href="/global-oao">
<span>Open An Account</span>
</a>
</div>
<!-- MediaDictionary
<MediaDictionary>
</MediaDictionary>
-->
</span>
</div>
<div id="dvclrUtility" class="fc">
</div>
<div id="dvoseHeaderRow2" class="row-2">
<div id="dvoseQuote">
<span id="ctl00_ctl00_siteContent_globalHoverQuote"></span>
<div id="ctl00_ctl00_siteContent_glQte" class="global-quote inset-textbox">
<div class="to-right"><label class="adahidden" for="ctl00_ctl00_siteContent_glQte_txtSymbol">Please enter exact symbol in the textbox. Select this link or Ctrl+Q to get a quote. Type in a symbol or company name, and press
Enter.</label><input name="ctl00$ctl00$siteContent$glQte$txtSymbol" type="text" id="ctl00_ctl00_siteContent_glQte_txtSymbol" style="margin-right:3px;" autocomplete="off" aria-describedby="ge_autocomplete_ada_begin_span"
aria-owns="bAutoComp_completionListElem" aria-expanded="false" aria-autocomplete="both" aria-activedescendant="" aria-label="Enter a ticker symbol or security name Suggested List Will Appear"><input type="hidden"
name="ctl00$ctl00$siteContent$glQte$_ClientState" id="ctl00_ctl00_siteContent_glQte__ClientState"><span
id="ctl00_ctl00_siteContent_glQte_GlobalQuote1"></span><a href="javascript:void(0);" id="ctl00_ctl00_siteContent_glQte_ctl02" class="" title="Get Quote" ada-type="hyper-link-after" ada-msg-id="ada_msg_GlobalQuote"><span class="adahidden">Select link to get a quote. Type a symbol or company name and press Enter. Press CTRL + Q to read quote window information.</span></a>
</div>
</div>
<script type="text/javascript" language="javascript">
PlatformClientResources = {
"Close": "Close"
}
</script>
<div id="ctl00_ctl00_siteContent_dvCGTContext" class="displayNone">
</div>
</div>
<div id="dvoseSearch" class="site-search inset-textbox">
<div id="dvoseSearchinner" class="to-right" status="0" widgetid="ECMS_SearchTextbox_Widget" instanceid="GE_WM_ECMS_SearchTextbox_Widget_dvoseSearchinner" viewinst="GE_WM_ECMS_SearchTextbox_Widget_dvoseSearchinner"
modelinst="GE_WM_ECMS_SearchTextbox_Widget_dvoseSearchinner" ctlrinst="GE_WM_ECMS_SearchTextbox_Widget_dvoseSearchinner"><span><label class="adahidden" for="dvoseSearchinner_ecmssearchtextbox">Enter your search Merrill Edge
keyword</label><input name="dvoseSearchinner_ecmssearchtextbox" class="txtLight searchtextbox ac_input" id="dvoseSearchinner_ecmssearchtextbox" type="text" maxlength="104"
value="Search Merrill Edge"> <a role="button" class="searchbtn" id="dvoseSearchinner_ecmssearchbtn" href=""><span class="adahidden">Search for text you entered in Search Merrill Edge text field</span></a></span></div>
</div>
</div>
</div>
</div>
</div>
<div id="dvSiteAlert" class="alertModule" style="display: none;"><span class="corner"></span>
<div class="body"><span id="SiAl">
<div id="ecmsWPRSiAl"></div>
</span></div><span class="corner bottom"></span>
</div>
</div>
<div id="ctl00_ctl00_siteContent_navHeader">
<div id="dvMenuContainer">
<div id="dvMenuLevel_1" class="site-nav-wrap">
<ul id="siteNav" class="fc-fix">
<li id="liMenu_ME_WHYEDGE" class="l1-wrap l1WhyME first">
<a href="javascript:void(0);" id="ancMenuItem_0" pxname="NavWhyMLEdge" class="l1"><span id="spnMenuItem_0" class="textbold">Why Merrill</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
<li id="liMenu_ME_INVESTINGANDTRADING" class="l1-wrap l1INT">
<a href="javascript:void(0);" id="ancMenuItem_15" pxname="NavResPlan" class="l1"><span id="spnMenuItem_15" class="textbold">Invest</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
<li id="liMenu_ME_GUIDANCEANDRETIREMENT" class="l1-wrap l1GNR">
<a href="javascript:void(0);" id="ancMenuItem_37" pxname="NavProdsSltns" class="l1"><span id="spnMenuItem_37" class="textbold">Plan</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
<li id="liMenu_ME_RESEARCH" class="l1-wrap l1Research">
<a href="javascript:void(0);" id="ancMenuItem_98" pxname="NavRetirement" class="l1"><span id="spnMenuItem_98" class="textbold">Retirement</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
<li id="liMenu_ME_EDUCATION" class="l1-wrap l1IE">
<a href="javascript:void(0);" id="ancMenuItem_115" pxname="NavInvstOnOwn" class="l1"><span id="spnMenuItem_115" class="textbold">Learn</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
<li id="liMenu_ME_OPENANACCOUNT" class="l1-wrap l1OAA last">
<a href="javascript:void(0);" id="ancMenuItem_131" pxname="NavInvstWithAdvsrs" class="l1"><span id="spnMenuItem_131" class="textbold">Open An Account</span> <span class="adahidden">Press Control + M for sub menu and use tab key for navigation.</span></a>
</li>
</ul>
</div>
</div><span id="ctl00_ctl00_siteContent_nmMEMenu"></span>
<span id="MegaNavMenu1"><input type="hidden" name="ctl00$ctl00$siteContent$MegaNavMenu1hiddenMegaNavData" id="MegaNavMenu1hiddenMegaNavData"
value="{"Status":1,"Data":null,"View":{"Status":1,"MegaNavStyle":{"NavMenuTarget":[{"NavViewData":[{"NavViewData1":null,"Id":"l2WhyME","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":true,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_WhyEdge","NavDataId":"ME_WHYEDGE","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null},{"NavViewData":[{"NavViewData1":null,"Id":"l2INT","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":false,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_INT","NavDataId":"ME_INVESTINGANDTRADING","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null},{"NavViewData":[{"NavViewData1":null,"Id":"l2GNR","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":true,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_GuidanceAndRetirement","NavDataId":"ME_GUIDANCEANDRETIREMENT","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null},{"NavViewData":[{"NavViewData1":null,"Id":"l2Research","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":true,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_Research","NavDataId":"ME_RESEARCH","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null},{"NavViewData":[{"NavViewData1":null,"Id":"l2IE","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":true,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_Education","NavDataId":"ME_EDUCATION","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null},{"NavViewData":[{"NavViewData1":null,"Id":"l2OAA","TemplateMappingKey":null,"Text":"","Title":"","ItemTemplateId":"PlainDivContainer","NavDataId":"","URL":"","QueryString":"","IsColumn":false,"InlineStyle":"","CssClasses":"mega-nav","DepenentNavViewDataId":null,"Entitlements":null,"ItemType":1,"LinkType":0,"ContentID":null,"LeftOffset":"","Visible":true,"PFAPIPref":0,"OpenInNewTab":null}],"Name":"tab_OpenAnAccount","NavDataId":"ME_OPENANACCOUNT","UseTemplateMapping":false,"TemplateMappingType":null,"TemplateMappingTypeAssembly":null}],"LinkItem":null,"Name":"DefaultStyle","PFAPIPref":0},"ItemTemplateIds":null,"MegaNavStyleConfig":{"Name":"DefaultStyle","FirstHoverDelay":"20","InterL1Delay":"20","MenuExpandAnimDuration":"50","MenuCollapseAnimDuration":"0","ApplyDynamicWidth":false,"RenderMarkupFromSever":true,"TouchDeviceCheckCondition":null,"TouchShowTriggerEvent":null,"TouchHideTriggerEvent":null,"IsFallbackForClientInitEnabled":true,"DynamicColumnThreshold":0,"MaxLinkInColumn":0}},"IsAbsoluteUrl":false}"></span>
<div id="meganavHiddendivId" style="display:none;">
<div id="l2WhyME" class="mega-nav" style="left:;">
<div id="WhyEdgecol1" class="fl nav mn-col3" style="left:;">
<div id="col1WhyEdgeWrap" class="wrap" style="left:;">
<div id="headCol1WhyEdge" class="heading" style="left:;">How Are We Different?</div>
<ul id="col1WhyEdge" class="nl-a" style="left:;">
<li id="nav1_col1WhyEdge" class="" style="left:;"><a href="/pricing">Pricing & Fees</a></li>
<li id="nav2_col1WhyEdge" class="" style="left:;"><a href="/preferred-rewards">BofA Preferred Rewards</a></li>
<li id="nav7_col1WhyEdge" class="" style="left:;"><a href="/research/perspectives">Insights</a></li>
<li id="nav3_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li>
<li id="nav4_col1WhyEdge" class="" style="left:;"><a href="/mobile-investing">Mobile Investing</a></li>
<li id="nav5_col1WhyEdge" class="" style="left:;"><a href="/sustainable-investing">Sustainable Investing</a></li>
<li id="nav6_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/awards-ratings">Awards & Accolades</a></li>
</ul>
</div>
</div>
<div id="WhyEdge_CMS" class="fl cms mn-col3" style="left:;">
<div class="wrap" style="padding-bottom:160px;">
<div class="heading">Help When You Want It</div>
<div class="fsa-notincontext" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__WhyEdge_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__WhyEdge_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__WhyEdge_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__WhyEdge_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25 pb-35"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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="display: none;">
<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>
.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:;">Ways to Manage Accounts</div>
<ul id="col1INT" class="nl-a" style="left:;">
<li id="nav1_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</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="/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>®</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" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__INT_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__INT_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__INT_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__INT_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25" style="padding-bottom:90px;"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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; display: none;">
<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>
.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">Tools</div>
<ul id="Sub1col1GNR" class="nl-a" style="left:;">
<li id="nav1_sub1col1GNR" class="" style="left:;"><a href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li>
<li id="nav2_sub1col1GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator">College Cost Calculator</a></li>
<li id="nav3_sub1col1GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool">IRA Selector</a></li>
<li id="nav4_sub1col1GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator">401(k) Rollover Calculator</a></li>
<li id="nav5_sub1col1GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li>
<li id="nav6_sub1col1GNR" class="" style="left:;"><a href="/guidance/tools">View All Tools</a></li>
</ul>
</div>
</div>
<div id="GNRcol3" class="fl nav mn-col3" style="left:;">
<div id="col3GNRWrap" class="wrap" style="left:;">
<div id="headCol3GNR" class="heading" style="left:;" href="/guidance">Life Planning</div>
<ul id="col3GNR" class="nl-a" style="left:;">
<li id="nav1_col3GNR" class="" style="left:;"><a href="/guidance/start-investing">New to Investing</a></li>
<li id="nav3_col3GNR" class="" style="left:;"><a href="/college-savings">Plan for College</a></li>
<li id="nav4_col3GNR" class="" style="left:;"><a href="/guidance/tax-planning ">Tax Planning</a></li>
<li id="nav5_col3GNR" class="" style="left:;"><a href="/guidance/life-stages">Investing by Life Stages</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" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__GNR_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__GNR_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__GNR_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__GNR_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25 pb-20"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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; display: none;">
<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>
.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-planning">Plan for Retirement</a></li>
<li id="nav2_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" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__l2Research_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__l2Research_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__l2Research_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__l2Research_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25 pb-20"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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="display: none;">
<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>
.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:;">Resources</div>
<ul id="col1EDU" class="nl-a" style="left:;">
<li id="nav1_col1EDU" class="" style="left:;"><a href="/investingwebinars/overview">Investing Webinars</a></li>
<li id="nav4_col1EDU" class="" style="left:;"><a href="/morningstar-classroom-stocks">Morningstar Classroom</a></li>
<li id="nav2_col1EDU" class="" style="left:;"><a href="/investor-education/videos">Investor Education Videos</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">Products Overview</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>
<li id="nav7_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-annuities">Annuities</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" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__l2IE_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__l2IE_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__l2IE_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__l2IE_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25 pb-20"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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="display: none;">
<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>
.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" style="display: block;">
<div>
<div class="pt-5 pb-10 pl-25 pr-25"> <!-- Hides for IFA (see script) -->
<div class="image-text ifaNo"> <img src="/Publish/Content/image/png/GWMOL/ME_meganav_icon_Call.png" width="40" height="45" alt="" pxname="eta__OAA_CMS__div-1_div-2_div-1_div-1_div-1_img-1"
id="eta__OAA_CMS__div-1_div-2_div-1_div-1_div-1_img-1">
<div>
<p class="bold txt-16 txt-gray2 mb-5 mt-15">888.637.3343</p> <!-- <p class="txt-s txt-gray2 txt-12 mb-0">Call 24/7</p> -->
</div>
</div> <!-- Displays for IFA (see script) -->
<div class="image-text ifaYes hide"> <img src="/Publish/Content/image/png/GWMOL/ME-guided-investing-guidance.png" width="42" height="50" alt="" pxname="eta__OAA_CMS__div-1_div-2_div-1_div-1_div-2_img-1"
id="eta__OAA_CMS__div-1_div-2_div-1_div-1_div-2_img-1">
<div style="margin-left:10px;">
<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 class="pt-5 pl-25 pr-25 pb-35"> <!-- Hides for IFA (see script) -->
<a href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=MESCHDCNSLT_ECBBA_A3000" target="_blank" name="FSA-Locator" id="FSA-Locator" class="ifaNo lead-125pc">Find a local Merrill Financial<br>Solutions Advisor</a>
<!-- Displays for IFA (see script) -->
<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="display: none;">
<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>
.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="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=IndividualCMA&_tps=2BBAA0F4-C6A8-4B73-91AA-7359FAE8EB1A">Individual Investing Account</a></li>
<li id="nav2_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="nav3_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">
<!-- please add class="clear" to the same div incase any problem -->
</div>
<div id="content" class="pa twoColRightWide">
<input name="ctl00$ctl00$siteContent$MainContent$PageNameField" type="hidden" id="ctl00_ctl00_siteContent_MainContent_PageNameField" value="article">
<script xsi:type="text/javascript" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xhtml="http://www.w3.org/1999/xhtml">
try {
var div = ($get('content')) ? ($get('content')) : null;
if (div != null) {
div.className = 'pa twoColRightWide';
}
} catch (ex) {}
</script>
<div id="pageTitle" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<div id="ctl00_ctl00_siteContent_MainContent_pageTitle"></div>
</div>
<div id="pageContent" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<div id="contentCol">
<div class="zt-f article-viewer">
<div id="phZone1" class="av-zone1">
<div id="ctl00_ctl00_siteContent_MainContent_phZoneOne" class="phZoneOne">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ContentPlaceHolder"></div>
<span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1">
<!-- BEGIN Responsive Article mobile header and burger menu -->
<style>
/* overrides external css */
@media only screen and (max-width:1024px) {
body {
padding: 57px 0 0;
}
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);
}
.mobi-header {
height: 56px;
}
.menuShell {
align-items: center;
display: flex;
justify-content: flex-start;
height: 56px;
padding: 0 15px;
34 width: 95%;
}
#mobile-logo,
#mobile-sign-in,
#topmenu {
float: none;
width: auto;
}
#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;
padding: 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;
}
}
@media only screen and (max-width: 767px) {
/* viewport up to 767px */
#toc li,
#toc li:visited,
#toc li:hover {
background: transparent !important;
margin-bottom: 0;
}
#toc ul.level2,
#toc ul.level3 {
display: none;
}
#toc ul li a {
color: #493F36 !important;
font-size: 14px;
}
#toc ul.level1>li a {
background-position: right 20px center;
background-size: 16px auto;
height: auto;
line-height: 1;
padding: 19px 0 19px 20px;
}
#toc ul.level1>li a.closed {
background-color: #ededed;
background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png);
border-bottom: 1px solid #c3c3c3;
}
#toc ul.level1>li a.closed.noborder {
border-bottom: 0;
}
#toc ul.level1>li a.opened {
background-color: #fff;
background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png);
background-position: right 20px top 21px;
padding: 19px 0 0 20px;
}
#toc ul.level2>li a {
background-position: 6px center;
background-size: 12px auto;
border-bottom: 1px solid #d9d9d9;
margin: 0 20px;
padding: 27px 0 27px 6px;
}
#toc ul.level2>li:last-of-type a {
border-bottom: 0;
}
#toc ul.level2>li a,
#toc ul.level2>li a.closed {
background-color: #fff;
background-image: none;
font-weight: 600;
}
#toc ul.level2>li a.closed {
background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-down-grey.png);
padding: 27px 0 27px 26px;
}
#toc ul.level2>li a.opened {
background-image: url(/Publish/Content/image/png/GWMOL/ME-caret-up-grey.png);
background-position: 6px 30px;
border-bottom: 0;
padding: 27px 0 6px 32px;
}
#toc ul.level3>li a {
background-color: #fff;
background-image: none;
border-bottom: 0;
font-weight: 400;
padding: 15px 0 15px 32px;
}
#toc ul.level3>li:last-of-type a {
border-bottom: 1px solid #d9d9d9;
padding: 15px 0 36px 32px;
}
#toc ul.level3>li:last-of-type a.noborder {
border-bottom: 0;
}
#toc .navHelpFlex {
background-color: #fff;
display: flex;
gap: 45px;
justify-content: center;
padding: 42px 20px 30px 20px;
text-align: center;
}
.mobi-sub-header #toc li .navHelpFlex a {
background-position: center top;
background-repeat: no-repeat;
color: #0053C2 !important;
background-size: auto;
display: block;
font-family: arial, helvetica, sans-serif;
font-size: 12px;
line-height: 1.25;
padding: 66px 0 0 0;
}
#toc ul.level1>li a#navAnswers {
background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-help.png);
}
#toc li a#navAppt {
background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-calendar.png);
}
#toc li a#navPhone {
background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-phone.png);
}
#toc li a#navIFA {
background-image: url(/Publish/Content/image/png/GWMOL/ME-icon-rebrand-mobile-nav-email.png);
margin: 0 auto;
max-width: 300px;
}
a#navIFA span {
color: #493F36;
}
#toc .ctaNav {
background-color: #ededed;
border-bottom: 1px solid #cccccc;
border-top: 1px solid #bfbfbf;
padding: 25px 20px;
text-align: center;
}
#toc .ctaNav .cta.orange.m {
box-sizing: border-box;
font-size: 14px;
text-align: center;
width: 164px;
}
}
@media only screen and (max-width: 414px) {
/* viewport up to 414px */
.menuShell {
width: 91%;
}
}
@media only screen and (max-width: 375px) {
/* viewport up to 375px */
#mobile-oao-link a,
#mobile-sign-in a {
margin: 0 25px 0 0;
}
}
@media only screen and (max-width: 360px) {
/* viewport up to 360px */
#mobile-oao-link a,
#mobile-sign-in a {
margin: 0 20px 0 0;
}
}
@media only screen and (max-width: 350px) {
/* viewport up to 350px */
#mobile-oao-link {
display: none;
}
#mobile-sign-in a {
margin: 0 30px 0 0;
}
}
</style>
<script type="text/javascript">
$GE.JQ(function() {
// Toggles burger menu and resets submenus
$("#topmenu").click(function() {
if ($('#toc ul.level1 > li a.linkL1').hasClass("opened")) {
$('#toc ul.level1 > li a.linkL1').addClass('closed').removeClass('opened');
$('#toc ul.level1 > li a.linkL1').next('ul.level2').css("display", "none");
$('#toc ul.level1 > li a.linkL1').attr("aria-expanded", "false");
$('#toc ul.level1 > li a.linkL1').next('ul.level2').attr("aria-hidden", "true");
$('#toc ul.level1 > li > ul.level2 > li a.linkL2').addClass('closed').removeClass('opened');
$('#toc ul.level1 > li > ul.level2 > li a.linkL2').next('ul.level3').css("display", "none");
$('#toc ul.level1 > li a.linkL2').attr("aria-expanded", "false");
$('#toc ul.level1 > li a.linkL2').next('ul.level3').attr("aria-hidden", "true");
}
$(".mobi-sub-header").toggle("slow")
$(this).find("a").toggleClass("burger-close")
if ($(this).find("a").hasClass("burger-close")) {
$(this).find("a").html("<span class='adahidden'>Close Menu bar</span>");
} else {
$(this).find("a").html("<span class='adahidden'>Open Menu bar</span>");
}
});
// Nested burger menu scripts
$('#toc li a.closed, #toc li a.opened').click(function() {
$(this).toggleClass('opened closed');
$(this).next().slideToggle('normal');
if ($(this).hasClass('linkL1') && $(this).hasClass('closed')) {
if ($(this).closest('ul').find('a.linkL2').hasClass('opened')) {
$(this).closest('ul').find('a.linkL2').addClass('closed').removeClass('opened');
$(this).closest('ul').find('a.linkL2').next().css("display", "none");
$(this).closest('ul').find('a.linkL2').attr("aria-expanded", "false");
$(this).closest('ul').find('a.linkL2').next().attr("aria-hidden", "true");
}
}
if ($(this).hasClass('opened')) {
$(this).attr("aria-expanded", "true");
$(this).next().attr("aria-hidden", "false");
} else {
$(this).attr("aria-expanded", "false");
$(this).next().attr("aria-hidden", "true");
}
});
// Scripts to prepend correct environments to login link
var str1 = "merrilledgesit1.com";
var str2 = "merrilledgesit2.com";
var str3 = "merrilledge.fsqa.ml.com";
var str4 = "merrilledge.com";
var urlQ = (window.location.host).toLowerCase();
var myurl = "https://olui2.fs.ml.com";
if (urlQ.indexOf(str1) >= 0) {
myurl = "https://olui2.fssit1.ml.com";
} else if (urlQ.indexOf(str2) >= 0) {
myurl = "https://olui2.fssit2.ml.com";
} else if (urlQ.indexOf(str3) >= 0) {
myurl = "https://olui2.fsqa.ml.com";
}
$('a#SignIn_header').attr('href', function(i, href) {
return myurl + href;
});
});
/* $GE.JQ(function() {
var is_mobile = false;
if( $('.mobi-header').css('display')!=='none') {
is_mobile = true;
console.log("Mobile View :: " + is_mobile);
}
}); */
</script>
<div class="mobi-header">
<div class="menuShell txt-brand">
<div id="mobile-logo">
<div class="site-logo" data-widget="Site Logo">
<a name="mobileHeaderLogo" id="mobileHeaderLogo" href="/" class="site-logo__img">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</a>
<span class="site-logo__print">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</span>
</div>
</div>
<div id="mobile-oao-link">
<a name="mobileHeaderOAO" id="mobileHeaderOAO" href="/global-oao">Open an account</a>
</div>
<div id="mobile-sign-in">
<a name="SignIn_header" id="SignIn_header" class="mobile-sign-in" href="https://olui2.fs.ml.com/login/login.aspx?sgt=3&sitesrc=mobile&_tps=963edc82b68641a49fbca77fd58b2d9b">Login</a>
</div>
<div id="topmenu">
<a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#"><span class="adahidden">Open Menu bar</span></a>
</div>
</div>
</div>
<div class="mobi-sub-header">
<div id="toc">
<ul class="mobileNav level1">
<li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-1" aria-expanded="false" id="accordion-control-1">Why Merrill</a>
<ul class="level2" aria-hidden="true" id="content-1">
<li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a">How Are We Different?</a>
<ul class="level3" aria-hidden="true" id="content-1a">
<li><a name="NavPricing" id="NavPricing" href="/pricing">Pricing & Fees</a></li>
<li><a name="NavPR" id="NavPR" href="/preferred-rewards">BofA Preferred Rewards</a></li>
<li><a name="NavInsights" id="NavInsights" href="/research/perspectives">Insights</a></li>
<li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected">Investing & Banking Connected</a></li>
<li><a name="NavMobile" id="NavMobile" href="/mobile-investing">Mobile Investing</a></li>
<li><a name="NavESG" id="NavESG" href="/sustainable-investing">Sustainable Investing</a></li>
<li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings">Awards & Accolades</a></li>
</ul>
</li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-2" aria-expanded="false" id="accordion-control-2">Invest</a>
<ul class="level2" aria-hidden="true" id="content-2">
<li><a name="NavInvesting" id="NavInvesting" href="/investing">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a">Ways to Manage Accounts</a>
<ul class="level3" aria-hidden="true" id="content-2a">
<li><a name="NavMESD" id="NavMESD" href="/investing/merrill-self-directed-trading">Merrill Edge<sup>®</sup> Self-Directed</a></li>
<li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing">Merrill Guided Investing</a></li>
<li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor">Investing with an Advisor</a></li>
<li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments">Compare all</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2b" aria-expanded="false" id="accordion-control-2b">Investment Accounts</a>
<ul class="level3" aria-hidden="true" id="content-2b">
<li><a name="NavBrokerage" id="NavBrokerage" href="/investing/brokerage-accounts">General Investing</a></li>
<li><a name="NavEdu" id="NavEdu" href="/education-savings">Education Accounts</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2c" aria-expanded="false" id="accordion-control-2c">Investment Products</a>
<ul class="level3" aria-hidden="true" id="content-2c">
<li><a name="NavStocks" id="NavStocks" href="/investing/stocks">Stocks</a></li>
<li><a name="NavMFs" id="NavMFs" href="/investing/mutual-funds">Mutual Funds</a></li>
<li><a name="NavETFs" id="NavETFs" href="/investing/etf">ETFs</a></li>
<li><a name="NavFixed" id="NavFixed" href="/investing/fixed-income-bonds">Fixed Income & Bonds</a></li>
<li><a name="NavOptions" id="NavOptions" href="/investment-products/options">Options</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2d" aria-expanded="false" id="accordion-control-2d">Active Trading</a>
<ul class="level3" aria-hidden="true" id="content-2d">
<li><a name="NavMargin" id="NavMargin" href="/investing/margin-trading">Margin Trading</a></li>
<li><a name="NavOEQ" id="NavOEQ" href="/investing/order-execution-trading">Order Execution Quality</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2e" aria-expanded="false" id="accordion-control-2e">Investment Tools</a>
<ul class="level3" aria-hidden="true" id="content-2e">
<li><a name="NavIdea" id="NavIdea" href="/idea-builder">Idea Builder</a></li>
<li><a name="NavMEMP" id="NavMEMP" class="noborder" href="/dashboard">Merrill Edge MarketPro<sup>®</sup></a></li>
</ul>
</li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-3" aria-expanded="false" id="accordion-control-3">Plan</a>
<ul class="level2" aria-hidden="true" id="content-3">
<li><a name="NavGuidance" id="NavGuidance" href="/guidance">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-3a" aria-expanded="false" id="accordion-control-3a">Tools</a>
<ul class="level3" aria-hidden="true" id="content-3a">
<li><a name="NavPRC" id="NavPRC" href="/retirement/personal-retirement-calculator">Personal Retirement Calculator</a></li>
<li><a name="NavCCC" id="NavCCC" href="/college-savings/college-cost-calculator">College Cost Calculator</a></li>
<li><a name="NavIST" id="NavIST" href="/retirement/ira/selector-tool">IRA Selector</a></li>
<li><a name="Nav401kTool" id="Nav401kTool" href="/retirement/401k-rollover-calculator">401(k) Rollover Tool</a></li>
<li><a name="Nav529Calc" id="Nav529Calc" href="/college-savings/529-state-tax-calculator">529 Plan State Tax Calculator</a></li>
<li><a name="NavAllTools" id="NavAllTools" href="/guidance/tools">View all tools</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-3b" aria-expanded="false" id="accordion-control-3b">Life Planning</a>
<ul class="level3" aria-hidden="true" id="content-3b">
<li><a name="NavStartInv" id="NavStartInv" href="/guidance/start-investing">New to Investing</a></li>
<li><a name="NavCollege" id="NavCollege" href="/college-savings">Plan for College</a></li>
<li><a name="NavTax" id="NavTax" href="/guidance/tax-planning">Tax Plannning</a></li>
<li><a name="NavStages" id="NavStages" class="noborder" href="/guidance/life-stages">Investing by Life Stages</a></li>
</ul>
</li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-4" aria-expanded="false" id="accordion-control-4">Retirement</a>
<ul class="level2" aria-hidden="true" id="content-4">
<li><a name="NavRet" id="NavRet" href="/retirement">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4a" aria-expanded="false" id="accordion-control-4a">Solutions</a>
<ul class="level3" aria-hidden="true" id="content-4a">
<li><a name="NavRollover" id="NavRollover" href="/retirement/rollover-ira">Rollover</a></li>
<li><a name="NavTrad" id="NavTrad" href="/retirement/traditional-ira">Traditional IRA</a></li>
<li><a name="NavRoth" id="NavRoth" href="/retirement/roth-ira">Roth IRA</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4b" aria-expanded="false" id="accordion-control-4b">Retirement Resources</a>
<ul class="level3" aria-hidden="true" id="content-4b">
<li><a name="NavRetPlan" id="NavRetPlan" href="/retirement-planning">Plan for Retirement</a></li>
<li><a name="NavRetTools" id="NavRetTools" href="/guidance/tools/retirement">Retirement Tools</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4c" aria-expanded="false" id="accordion-control-4c">Small Business</a>
<ul class="level3" aria-hidden="true" id="content-4c">
<li><a name="NavSB401k" id="NavSB401k" href="/small-business/401k">Small Business 401(k)</a></li>
<li><a name="Nav401k" id="Nav401k" href="/small-business/individual-401k">Individual 401(k)</a></li>
<li><a name="NavSEP" id="NavSEP" href="/small-business/sep-ira">SEP IRA</a></li>
<li><a name="NavSIMPLE" id="NavSIMPLE" href="/small-business/simple-ira">SIMPLE IRA</a></li>
<li><a name="NavSB_All" id="NavSB_All" class="noborder" href="/small-business">View all plans</a></li>
</ul>
</li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL1 closed" aria-controls="content-5" aria-expanded="false" id="accordion-control-5">Learn</a>
<ul class="level2" aria-hidden="true" id="content-5">
<li><a name="NavLearn" id="NavLearn" href="/investor-education">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5a" aria-expanded="false" id="accordion-control-5a">Resources</a>
<ul class="level3" aria-hidden="true" id="content-5a">
<li><a name="NavWebinars" id="NavWebinars" href="/investingwebinars/overview">Investing Webinars</a></li>
<li><a name="NavMorn" id="NavMorn" href="/morningstar-classroom-stocks">Morningstar Classroom</a></li>
<li><a name="NavVideos" id="NavVideos" href="/investor-education/videos">Investor Education Videos</a></li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5b" aria-expanded="false" id="accordion-control-5b">Products Overview</a>
<ul class="level3" aria-hidden="true" id="content-5b">
<li><a name="NavStocksLearn" id="NavStocksLearn" href="/investor-education/understanding-stocks">Stocks</a></li>
<li><a name="NavMFsLearn" id="NavMFsLearn" href="/investor-education/understanding-mutual-funds">Mutual Funds</a></li>
<li><a name="NavETFsLearn" id="NavETFsLearn" href="/investor-education/understanding-etfs">ETFs</a></li>
<li><a name="NavFixedLearn" id="NavFixedLearn" href="/investor-education/understanding-bonds">Fixed Income & Bonds</a></li>
<li><a name="NavOptionsLearn" id="NavOptionsLearn" href="/investor-education/options-education">Options</a></li>
<li><a name="NavAnnuitiesLearn" id="NavAnnuitiesLearn" href="/investor-education/understanding-annuities">Annuities</a></li>
</ul>
</li>
</ul>
</li>
<li><a href="javascript:void(0);" class="linkL1 closed noborder help" aria-controls="content-6" aria-expanded="false" id="accordion-control-6">Help When You Want It</a>
<ul aria-hidden="true" id="content-6" class="level2 closed">
<div class="navHelpFlex">
<a name="navAnswers" id="navAnswers" class="ifaNo" href="/help-support">Find answers to<br> common questions <span class="adahidden"> at Merrill</span></a>
<a name="navAppt" id="navAppt" class="ifaNo" target="_blank" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/">Schedule an<br> appointment<span class="adahidden"> with Merrill</span></a>
<div class="ifaYes" style="display:none;">
<a name="navIFA" id="navIFA" target="_blank" rel="noopener noreferrer" href="mailto:mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date."><span>To find the small business retirement plan that works for you, contact:</span> franchise@bankofamerica.com</a>
</div>
</div>
</ul>
</li>
</ul>
<div class="ctaNav"><a name="navOAO" id="navOAO" class="cta orange m" href="/global-oao"><span>Open an account<span class="adahidden"> with Merrill</span></span></a></div>
</div>
</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>
<!-- END Responsive Article mobile header and burger menu -->
<!-- MediaDictionary
<MediaDictionary>
</MediaDictionary>
-->
<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 = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1');
obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY));
obj.LoadContent();
}
}
Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber);
function ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() {
ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback);
}
var ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array();
ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location'] = 'location_id|phZoneOne'; /* ]]> */
</script>
</div>
</span>
</div>
</div>
</div>
<div id="phZone2" class="av-zone2">
<div id="ctl00_ctl00_siteContent_MainContent_phZoneTwo" class="phZoneTwo">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl2">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ContentPlaceHolder"></div>
<span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1">
<!--end test-->
<script type="text/javascript">
$GE.JQ(function() {
$('#share-email a').on('click', function(event) {
// console.log('share-email click');
emailForm(event);
});
var emailForm = function(event) {
event.preventDefault();
var daReferrer = document.referrer;
var email = '';
var subject = 'Preparing for the big what-ifs in your financial life';
var bodylink = document.location;
var bodyMessage = 'I found this on the Merrill Edge website and thought it might interest you.' + '%0A%0A' + bodylink;
var mailtoLink = 'mailto:' + email + '?subject=' + escape(subject) + '&body=' + bodyMessage;
window.location = mailtoLink;
//window.open(mailtoLink);
}
$('.font-resizer a').click(function() {
$(this).parent().find('a').removeClass('fr-selected');
$(this).addClass('fr-selected');
$('.z-f5, .z-f6').removeClass('txt-115pc').removeClass('txt-100pc').removeClass('txt-125pc').addClass($(this).attr('rel'));
});
});
</script>
<div class="fix-width">
<div class="article-utility-links scr-only">
<!--
Ref :
0-->
<div class="aul-print">
<a rel="nofollow" onclick="PlatformWebUI.printPage();" href="javascript:void(0);">Print</a>
</div>
</div>
</div>
<div class="fix-width fc-fix">
<main itemtype="http://schema.org/WebPage" itemscope="" class="zone z-f5">
<article itemprop="mainContentOfPage" class="article-body">
<h1 class="article-title" itemprop="headline">Preparing for the big 'what-ifs' in your financial life</h1>
<div class="article-widgets scr-only">
<div class="social-share social-share-top">
<span>Share: </span>
<div class="social-share social-share-top">
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on Facebook, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-facebook', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/facebook.jpg" alt="Click to share on Facebook, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on LinkedIn, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-linkedin', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/linkedin.jpg" alt="Click to share on LinkedIn, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on Twitter, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-twitter', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/twitter.jpg" alt="Click to share on Twitter, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
</div>
<span style="margin-left:3px" id="share-email">
<a href="javascript:void(0);" title="Click to share on Email, link opens in a new window" class="adaBorder email-share"></a>
</span>
</div>
<div class="font-resizer"> Text size: <a rel="txt-100pc" class="txt-16 fr-selected" href="javascript:void(0);">aA</a>
<a rel="txt-115pc" class="txt-18" href="javascript:void(0);">aA</a>
<a rel="txt-125pc" class="txt-20" href="javascript:void(0);">aA</a>
</div>
</div>
<style>
/* Slideshow begin */
.slideOuter {
width: 100%;
max-width: 590px;
background-color: #f9f7f4;
margin-bottom: 30px;
}
.slideImage {
width: 100%;
padding-bottom: 62%;
position: relative;
}
.slideImage>div {
position: absolute;
top: 0;
bottom: 0;
left: 0;
right: 0;
background-repeat: no-repeat;
background-size: 100% auto;
display: flex;
justify-content: space-between;
align-items: flex-end;
padding: 0 2px 26% 2px;
}
.slideText {
padding: 20px;
}
.leftArrow a {
display: block;
width: 35px;
height: 35px;
background-image: url(/Publish/Content/image/png/GWMOL/slide-bckwrd-active.png);
background-repeat: no-repeat;
background-size: 35px auto;
}
.leftArrow a:hover {
background-image: url(/Publish/Content/image/png/GWMOL/slide-bckwrd-hover.png);
background-repeat: no-repeat;
}
.rightArrow a {
display: block;
width: 35px;
height: 35px;
background-image: url(/Publish/Content/image/png/GWMOL/slide-forwrd-active.png);
background-repeat: no-repeat;
background-size: 35px auto;
}
.rightArrow a:hover {
background-image: url(/Publish/Content/image/png/GWMOL/slide-forwrd-hover.png);
background-repeat: no-repeat;
}
.slidesMenu {
padding-top: 0px;
display: flex;
justify-content: center;
}
.slidesMenu a {
display: block;
width: 15px;
height: 15px;
border-radius: 50%;
background: #BBBDBF;
margin-right: 20px;
}
.slidesMenu a:hover,
.slidesMenu a.selected {
background: #6D6E70;
}
.slidesMenu a:last-child {
margin-right: 0;
}
/* Slideshow end */
.thumbnail-text {
display: inline;
float: left;
width: 395px;
}
.thumbnail-img {
display: inline;
float: left;
margin-right: 15px;
width: 180px;
}
.pq {
display: block;
min-height: 36px;
background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-pull-quote-icon.jpeg);
background-repeat: no-repeat;
background-position: 10px 10px;
background-color: #f9f7f4;
padding: 10px 10px 10px 62px;
margin-bottom: 5px;
}
#pageContent ul.listA li {
background: none;
list-style-position: outside;
list-style-type: square;
padding: 0 0 15px 0;
margin-left: 18px;
}
@media only screen and (max-width: 980px) {
/* viewport up to 980px */
.thumbnail-text {
width: 65%;
}
}
@media only screen and (max-width: 768px) {
/* viewport up to 768px */
.thumbnail-text {
display: block;
float: none;
width: 100%;
}
.thumbnail-img {
display: none;
}
}
</style>
<!-- Intro -->
<section class="article-section">
<div class="oflo-hide pb-15">
<div class="thumbnail-img"><img src="https://www.merrilledge.ml.bac-assets.com/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-thumbnail.jpeg" alt="" itemprop="primaryImageOfPage"
style="width: 180px; height: auto;" pxname="eta__ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1__div-3_main-1_article-1_section-4_div-1_div-1_img-1"
id="eta__ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1__div-3_main-1_article-1_section-4_div-1_div-1_img-1"></div>
<div class="thumbnail-text">
<div itemprop="description">Steps you can take to help make sure unexpected events don't interfere with your long-term plans.</div>
</div>
</div>
<div class="mb-15">Common sense tells us that it's impossible to eliminate all risk from our lives, financial or otherwise. We can't control whether markets go up or down. A divorce, serious illness — or even a large,
unexpected bill — could create a financial shortfall that throws your careful plans off track. "A number of life events can risk changes to income or savings and threaten an individual's or family's financial
well-being," says Lauren Sanfilippo, an investment strategist in the Chief Investment Office for Merrill and Bank of America Private Bank.</div>
<div class="mb-30">While you can't prevent these scenarios, by taking a holistic view of your financial future, an advisor can suggest options for helping preserve your finances from most of them, says Rachel Scholl,
director, Wealth Management Lending Strategy Execution, Bank of America. Here's how you might prepare for some of the most common — and risky — what-ifs.</div>
<!-- Slideshow begin -->
<!-- Slide #1 -->
<div id="carousel1" class="slideOuter">
<div class="slideImage">
<div style="background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-slide-1.jpeg);" pxname="eta__carousel1__div-1_div-1" id="eta__carousel1__div-1_div-1">
<div class="leftArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">Previous slide</span></a></div>
<div class="rightArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">Next slide</span></a></div>
</div>
</div>
<div class="slideText">
<div class="slidesMenu">
<a href="javascript:void(0);" onclick="javascript:selectCarousel(1);" class="selected"><span class="adahidden">View slide 1 of 5. The 4 biggest risks to your financial security. How unexpected events can dramatically alter your financial plans. </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">View slide 2 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">View slide 3 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">View slide 4 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">View slide 5 of 5 </span></a>
</div>
</div>
</div>
<!-- Slide #2 -->
<div style="display: none" id="carousel2" class="slideOuter">
<div class="slideImage">
<div style="background-image:url(/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-slide-2.jpeg);" pxname="eta__carousel2__div-1_div-1" id="eta__carousel2__div-1_div-1">
<div class="leftArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">Previous slide</span></a></div>
<div class="rightArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">Next slide</span></a></div>
</div>
</div>
<div class="slideText">
<div class="slidesMenu">
<a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">View slide 1 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(2);" class="selected"><span class="adahidden">View slide 2 of 5. A bear market. Between 1926 and 2022, there were 14 bear markets in the S&P 500. Source: Chief Investment Office, Merrill and Bank of America Private Bank, June 2022. </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">View slide 3 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">View slide 4 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">View slide 5 of 5 </span></a>
</div>
</div>
</div>
<!-- Slide #3 -->
<div style="display: none" id="carousel3" class="slideOuter">
<div class="slideImage">
<div style="background-image:url(/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-slide-3.jpeg);" pxname="eta__carousel3__div-1_div-1" id="eta__carousel3__div-1_div-1">
<div class="leftArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">Previous slide</span></a></div>
<div class="rightArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">Next slide</span></a></div>
</div>
</div>
<div class="slideText">
<div class="slidesMenu">
<a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">View slide 1 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">View slide 2 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(3);" class="selected"><span class="adahidden">View slide 3 of 5. A sudden need for cash. 58% of Americans are concerned about the amount they have in emergency savings. Source: Bankrate, June 2022. </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">View slide 4 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">View slide 5 of 5 </span></a>
</div>
</div>
</div>
<!-- Slide #4 -->
<div style="display: none" id="carousel4" class="slideOuter">
<div class="slideImage">
<div style="background-image:url(/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-slide-4.jpeg);" pxname="eta__carousel4__div-1_div-1" id="eta__carousel4__div-1_div-1">
<div class="leftArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">Previous slide</span></a></div>
<div class="rightArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">Next slide</span></a></div>
</div>
</div>
<div class="slideText">
<div class="slidesMenu">
<a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">View slide 1 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">View slide 2 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">View slide 3 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(4);" class="selected"><span class="adahidden">View slide 4 of 5. Major medical expenses. 24% of Americans have medical or dental bills that are past due or that they are unable to pay. Source: Kaiser Family Foundation, June 2022. </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(5);"><span class="adahidden">View slide 5 of 5 </span></a>
</div>
</div>
</div>
<!-- Slide #5 -->
<div style="display: none" id="carousel5" class="slideOuter">
<div class="slideImage">
<div style="background-image:url(/Publish/Content/image/jpeg/GWMOL/ME-how-to-prepare-for-unexpected-financial-events-slide-5.jpeg);" pxname="eta__carousel5__div-1_div-1" id="eta__carousel5__div-1_div-1">
<div class="leftArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">Previous slide</span></a></div>
<div class="rightArrow"><a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">Next slide</span></a></div>
</div>
</div>
<div class="slideText">
<div class="slidesMenu">
<a href="javascript:void(0);" onclick="javascript:selectCarousel(1);"><span class="adahidden">View slide 1 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(2);"><span class="adahidden">View slide 2 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(3);"><span class="adahidden">View slide 3 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(4);"><span class="adahidden">View slide 4 of 5 </span></a>
<a href="javascript:void(0);" onclick="javascript:selectCarousel(5);" class="selected"><span class="adahidden">View slide 5 of 5. Disability, divorce or a death in the family. After age 50, income decline after divorce is 41% for women and 23% for men. Source: US Government Accountability Office, 2020. </span></a>
</div>
</div>
</div>
<!-- Slideshow end -->
</section>
<!-- Section -->
<section class="article-section" id="section1">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption"><em>What if</em> you have a sudden need for cash?</span></h2>
<div class="mb-15">"We never want to be in a situation where we have to take steps such as liquidating assets at an undesirable time in the market or running up credit card debt to pay bills," says Scholl. A strategy
that accounts for unexpected liquidity needs can help preserve your finances against a job loss or an unexpected expense.</div>
<div class="mb-15"><strong>Ways to prepare:</strong> An emergency fund is a key component of any cash-management strategy, notes Scholl. Review several months' worth of recent expenses to determine ways you can have
liquidity readily available should you need to fund an emergency need.</div>
<div class="mb-20">If appropriate, consider a team of Bank of America lending specialists to help identify potential alternate funding sources. For surprise big-ticket expenses — say, a home renovation that runs
$30,000 over budget — two alternatives that could potentially be considered are making use of the equity in your home or borrowing against your securities, suggests Scholl.</div>
</section>
<!-- Section -->
<section class="article-section" id="section2">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption"><em>What if</em> you're faced with major medical expenses?</span></h2>
<div class="mb-15">Almost half of Americans — 47% — say they find paying for health care difficult, according to the Kaiser Family <span class="nowrap">Foundation.<span
class="adahidden">Footnote </span><sup>1</sup></span> Post-retirement, the costs can be even steeper.</div>
<div class="mb-15"><strong>Ways to prepare:</strong> Check if your employer offers a tax-advantaged account such as a flexible savings account (FSA) or health savings account (HSA), which allow you to pay for health
care expenses with pre-tax funds. The HSA — available only for those with high-deductible health plans — can be particularly valuable because any unused funds can continue to be held in the HSA until your death (and
in some cases beyond) and earnings can grow tax-free. "Instead of dipping into your IRAs to pay medical bills in retirement and paying income taxes on those withdrawals, you can tap an HSA tax-free for medical
expenses," says Paul Galliano, senior vice president, Retirement & Benefit Plan Services for Bank of America.</div>
<div class="mb-30">Finally, plan for the worst-case scenario. "Seven out of 10 Americans over the age of 65 will have some health event for which long-term care is <span class="nowrap">necessary,<span
class="adahidden">Footnote </span><sup>2</sup></span> and the cost can decimate savings," says Robert Murray, director, insurance relationship manager, Retirement and Personal Wealth Solutions at Bank of
America. "Long-term care insurance could potentially preserve not only your wealth but also that of your children, who often shoulder the costs of caring for aging parents."</div>
<!-- Quote -->
<div class="pq">
<div class="txt-brand txtDigitalGray txt-16 lead-24">Seven out of 10 Americans over the age of 65 will have some health event for which long-term care is <span class="nowrap">necessary,<span
class="adahidden">Footnote </span><sup>2</sup></span> and the cost can decimate savings.</div>
</div>
<div class="txt-12 txt-r lead-14 pb-0"><em>— Robert Murray,<br> director, insurance relationship manager,<br> Retirement and Personal Wealth Solutions at Bank of America</em></div>
</section>
<!-- Section -->
<section class="article-section" id="section3">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption"><em>What if</em> there's disability, divorce or a death in the family?</span></h2>
<div class="mb-15">Nobody wants to think about, let alone plan for, a dramatic change in your household's income resulting from a significant life event like disability, divorce or an untimely death in the family. But
given the high stakes, planning for these risks can be crucial to the future well-being of your loved ones.</div>
<div class="mb-15"><strong>Ways to prepare:</strong> When it comes to disability, insurance can be a crucial consideration. Find out whether your employer offers disability income insurance. Then assess whether this
benefit provides enough income protection for your family in case you're temporarily unable to work because of an accident or health event. If it isn't available, you may want to consider purchasing your own policy
to replace your income, or at least a portion of it.</div>
<div class="mb-15">In the event of a marital split, be aware that the laws governing the division of property in a divorce vary from state to state, but keeping an up-to-date inventory of your household assets and
debts can help you divide them equitably. In advance of remarrying, you might consider setting up a trust to help protect your family, says Jennifer Galvagna, head of Trust Solutions, Bank of America Private Bank.
Doing so enables you to help ensure that children from the prior marriage are not overlooked as the eventual beneficiaries of your estate, while also providing lifetime support to a surviving spouse.</div>
<div class="mb-15">A trust can also offer other benefits as you plan your estate: setting one up allows you to distribute an inheritance to a child at set intervals, rather than providing an outright distribution,
which may not be appropriate because of the child's age or other factors. And as you age, a trust can help ensure the uninterrupted availability of assets for your care should you become mentally or physically
incapacitated, says Galvagna. "A trustee can step in and pay medical and long-term care bills if needed, as well as manage all other aspects of your financial life and estate."</div>
<div class="mb-30">Finally, a death benefit from a life insurance policy can help to keep your family solvent should you or your spouse die prematurely.</div>
<!-- Quote -->
<div class="pq">
<div class="txt-brand txtDigitalGray txt-16 lead-24">It's important to take the time to review investments regularly and adjust according to your time horizon.</div>
</div>
<div class="txt-12 txt-r lead-14 pb-0"><em>— Lauren Sanfilippo,<br> an investment strategist in the Chief Investment Office,<br> Merrill and Bank of America Private Bank</em></div>
</section>
<!-- Section -->
<section class="article-section as-no-divider" id="section4">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption"><em>What if</em> there's a bear market?</span></h2>
<div class="mb-15">It's hard to watch your savings shrink at any age. But bear markets may be the riskiest for investors who need to start withdrawing from their savings soon, perhaps to pay for college tuition or to
fund retirement.</div>
<div class="mb-15"><strong>Ways to prepare:</strong> First, make sure that your portfolio is well diversified. This means increasing diversification across asset classes, within asset classes and across geographies. "A
wider breadth of investments may provide an expanded opportunity set for investment opportunities, while potentially helping minimize losses to your overall portfolio and preserve wealth," says Sanfilippo.</div>
<div class="mb-15">It's important to take the time to review investments regularly and adjust according to your time horizon, says Sanfilippo. For instance, a college-savings portfolio may be invested for maximum
growth when college is 18 years away, but it may be better off shifted to all cash when college is imminent to help reduce the risk of a market — and savings — drop. An advisor can suggest a strategy that's
appropriate for your age, goals, liquidity needs and ability to handle risk.</div>
<div class="mb-20">In fact, you can work with an advisor to address any number of risks that can potentially threaten your financial security, adds Scholl. Together, you can put plans in place to help prepare for
nearly any eventuality.</div>
</section>
<!-- Suggested for you -->
<section id="nextSteps" class="article-section as-no-divider">
<div class="article-featured feature feature-a">
<div class="ftr-head af-head">
<h2 class="txt-brand-l txt-18 txtDigitalGrayDark m-0 p-0 b-0" style="line-height: inherit;">Suggested for you</h2>
</div>
<div class="ftr-content ftr-con-on af-body">
<ul>
<li>
<a itemprop="significantLink" href="https://secure.bankofamerica.com/secure-mycommunications/public/appointments/?marketingCode=HPINV_ECBBA_A3000" id="Connect" name="Connect" target="_blank">Connect with a Merrill advisor today</a>
</li>
<li>Education costs, retirement savings and more — pursuing all your financial goals can sometimes seem overwhelming.
<a itemprop="significantLink" href="/article/what-to-do-if-you-have-many-competing-financial-goals" id="PursueGoals" name="PursueGoals">Consider this 5-step process to help you pursue them all<span class="adahidden"> your financial goals</span></a>.
</li>
<li>If life throws you a curveball, an emergency fund can help you preserve your retirement savings and avoid taking on debt.
<a itemprop="significantLink" href="/guidance/starting-out/emergency-fund" id="EmergencyFund" name="EmergencyFund">These tips can help you prepare<span class="adahidden"> an emergency fund</span></a>.</li>
</ul>
</div>
</div>
</section>
<!-- Schema -->
<script type="application/ld+json">
{
"@context": "https://schema.org",
"@type": "WebPage",
"name": "How To Prepare for Financial Risks & Unexpected Events",
"url": "https://www.merrilledge.com/article/how-to-prepare-for-unexpected-financial-events",
"description": "Some life events can threaten an individual or family's financial well-being. Here are some ways to prepare for unexpected events and financial risks.",
"image": "https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg",
"keywords": "financial risks,unexpected events,unexpected financial events,preparing your finances,wfid24008183"
}
</script>
<script type="application/ld+json">
{
"@context": "https://schema.org",
"@type": "Article",
"name": "How To Prepare for Financial Risks & Unexpected Events",
"headline": "How To Prepare for Financial Risks & Unexpected Events",
"mainEntityOfPage": "https://www.merrilledge.com/article/how-to-prepare-for-unexpected-financial-events",
"description": "Some life events can threaten an individual or family's financial well-being. Here are some ways to prepare for unexpected events and financial risks.",
"image": "https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg",
"url": "https://www.merrilledge.com/article/how-to-prepare-for-unexpected-financial-events",
"sourceOrganization": "Merrill Edge",
"datePublished": "2022-11-22",
"dateModified": "2022-11-22",
"keywords": "financial risks,unexpected events,unexpected financial events,preparing your finances,wfid24008183",
"author": {
"@type": "Organization",
"name": "Merrill Edge"
},
"publisher": {
"@type": "Organization",
"name": "Merrill Edge",
"logo": {
"@type": "ImageObject",
"url": "https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg"
}
}
}
</script>
<!-- Slideshow script -->
<script type="text/javascript">
var myFuncCalls = 0;
var panelDisplayTime = 7000;
var currentPanel = 1;
var maxPanels = 5;
var panelTimer;
var panelName = 'carousel';
var autoCarousel = true;
if (autoCarousel == true) {
setTimeout("timeoutCarousel()", panelDisplayTime);
}
function timeoutCarousel() {
myFuncCalls++;
if (myFuncCalls == 16) // Stops carousel after three iterations.
{
return;
}
if (!autoCarousel) return;
(currentPanel == maxPanels) ? currentPanel = 1: currentPanel++;
changeCarousel(currentPanel);
setTimeout("timeoutCarousel()", panelDisplayTime);
}
function selectCarousel(panel) {
myFuncCalls = 0;
autoCarousel = false;
changeCarousel(panel);
}
function changeCarousel(panel) {
var buttonCount = maxPanels;
for (var i = 1; i < (buttonCount + 1); i++) {
if (panelName + panel == panelName + i) {
document.getElementById(panelName + i).style.display = 'block';
} else {
document.getElementById(panelName + i).style.display = 'none';
}
}
}
</script>
<div class="article-widgets scr-only">
<div class="social-share social-share-bottom">
<span>Share: </span>
<div class="social-share social-share-top">
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on Facebook, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-facebook', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/facebook.jpg" alt="Click to share on Facebook, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on LinkedIn, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-linkedin', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/linkedin.jpg" alt="Click to share on LinkedIn, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
<span style="margin-left:3px">
<a class="adaBorder" title="Click to share on Twitter, link opens in a new window" target="_blank" rel="noopener noreferrer" onclick="OnlineCommonJSFunctions.LoadModalPopupByUrl('/interstitial-twitter', '', '210', '500px');"><img src="https://utility.bankofamerica.com/uet/images/twitter.jpg" alt="Click to share on Twitter, link opens in a new window" width="16" height="16" border="0">
</a>
</span>
</div>
<span style="margin-left:3px" id="share-email">
<a href="javascript:void(0);" title="Click to share on Email, link opens in a new window" class="adaBorder email-share"></a>
</span>
</div>
</div>
<div class="disclaimer">
<p>
<em></em>
</p> <span class="adahidden">Footnote </span><sup>1</sup> "Americans' Challenges with Health Care Costs," Kaiser Family Foundation, July 14, 2022.<br><br>
<span class="adahidden">Footnote </span><sup>2</sup> U.S. Department of Health and Human Services, "How Much Care Will You Need?" 2020.<br><br>
<strong>Important Disclosures</strong><br><br>
<strong><em>Opinions are as of 10/07/22 and are subject to change.</em></strong><br><br>
<!-- Chief Investment Office -->
<em>
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6051-->
<div class="disclaimer">
<script>
if (tradeSUP) {
document.write(tradeSUP.sup());
}
</script> <span id="D6051">This information should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by
Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available. <br><br> The Chief
Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO
viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S" or "Merrill"), a
registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation ("BofA Corp.").</span>
</div>
<!--END DISC_ID=D6051-->
</em> Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC and a wholly owned subsidiary of Bank of America Corporation. Trust and fiduciary services are provided by wholly owned banking
affiliates of BofA Corp., including Bank of America, N.A.<br><br> Bank of America is a marketing name for the Retirement Services business of Bank of America Corporation ("BofA Corp.").<br><br> Asset allocation,
diversification and rebalancing do not ensure a profit or protect against loss in declining markets.<br><br> Credit and collateral subject to approval. Terms and conditions apply. Programs, rates, terms and conditions
subject to change without notice.<br><br> Long-term care insurance coverage contains benefits, exclusions, limitations, eligibility requirements and specific terms and conditions under which the insurance coverage may
be continued in force or discontinued. Not all insurance policies and types of coverage may be available in your state.<br><br> All guarantees and benefits of the insurance policy are backed by the claims-paying
ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor does Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing
insurance company.<br><br> MAP5274225-12202023
</div>
</article>
</main>
<aside class="zone z-f6"><!-- CL -->
<div class="b-s p-15 mb-20">
<div data-font="cnx-regular" class="txt-16 txt-gray3 pt-10 pb-10" role="heading" aria-level="2">Ready to get started?</div>
<div class="pb-15"><a name="RH_OAO" id="RH_OAO" class="cta orange" href="/global-oao"><span>Open an account</span></a></div>
<div class="pt-10 pb-10 txt-18 txt-gray2 bold top-sep-1-gray1">888.637.3343</div>
<!-- <div class="txt-12 txt-gray2 pb-5">Call 24/7</div> -->
<!-- Chat removed Jan. 2020
<div id="tc-chat-container-37"></div> -->
<div class="txt-13 lead-18 pt-10 top-sep-1-gray1 mt-0"><a href="https://locations.merrilledge.com" id="FSA-Locator" name="FSA-Locator">Find a local Merrill <br>Financial Solutions Advisor</a></div>
</div>
<!-- CL END -->
<div class="box-1-gray2 pl-20 pr-20 pb-10 mb-20">
<h2 class="txt-16 txt-gray3 m-0 pt-20 pb-10" style="border-bottom: 1px solid #d1d9c0; line-height: inherit;">You might also be interested in</h2>
<div class="pt-15">
<ul class="mb-0">
<li><a href="/life-priorities" id="RH_Priorities" name="RH_Priorities">Life Priorities: Invest for what matters most to you</a></li>
<li><a href="/life-events/work" id="RH_Events" name="RH_Events">Life Events: Prepare for the events that may affect your finances</a></li>
</ul>
</div>
</div>
<div class="box-1-gray2 pl-20 pr-20 pb-10 mb-20">
<h2 class="txt-16 txt-gray3 m-0 pt-20 pb-10" style="border-bottom: 1px solid #d1d9c0; line-height: inherit;">Tools & calculators</h2>
<div class="pt-15">
<ul class="mb-0">
<li><a href="/retirement/cash-flow-calc" id="RH_Estimator" name="RH_Estimator">Cash Flow Estimator</a></li>
</ul>
</div>
</div>
</aside>
</div>
</div>
</span>
</div>
</div>
</div>
<div id="phZone3" class="av-zone3">
<div id="ctl00_ctl00_siteContent_MainContent_phZoneThree" class="phZoneThree">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ContentPlaceHolder"></div>
<span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1">
<script type="text/javascript">
/* <![CDATA[ */
function ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams) {
var paramChanged = false;
for (i = 0; i < specparams.length; i++) {
if (specparams[i][0] == 'location') {
ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0] + '|' + specparams[i][1];
paramChanged = true;
}
}
if (paramChanged == true) {
var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1');
obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY));
obj.LoadContent();
}
}
Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber);
function ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() {
ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback);
}
var ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array();
ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location'] = 'location_id|phZoneThree'; /* ]]> */
</script>
</div>
</span>
</div>
</div>
</div>
<div id="phZone4" class="av-zone4">
<div id="ctl00_ctl00_siteContent_MainContent_phZoneFour" class="phZoneFour">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ContentPlaceHolder"></div>
<span id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1">
<div id="ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1">
<script type="text/javascript">
/* <![CDATA[ */
function ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback(specparams) {
var paramChanged = false;
for (i = 0; i < specparams.length; i++) {
if (specparams[i][0] == 'location') {
ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY[specparams[i][0]] = specparams[i][0] + '|' + specparams[i][1];
paramChanged = true;
}
}
if (paramChanged == true) {
var obj = $find('ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1');
obj.setRuntimeXMLParameters(FormatSpecParams('zone', ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY));
obj.LoadContent();
}
}
Sys.Application.add_load(ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber);
function ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_ControlSubscriber() {
ControlManager.subscribe('ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1', ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_CCM_Callback);
}
var ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY = new Array();
ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1_SPEC_PARAM_ARY['location'] = 'location_id|phZoneFour'; /* ]]> */
</script>
</div>
</span>
</div>
</div>
</div>
</div>
</div>
</div>
</div>
<div id="dvClearDisclaimer" class="clear">
</div>
<div id="dvDisclaimer" class="clear">
<span id="ctl00_ctl00_siteContent_cctlDisclaimer">
<div id="ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer">
</div>
</span>
</div>
<div id="dvClearFooter" class="clear">
</div>
<div id="dvFooter" class="site-footer">
<span id="ctl00_ctl00_siteContent_cctlFooter">
<!-- BEGIN Responsive Article footers -->
<style>
/* Styles used to conform Disclaimer Library pieces and override Legacy disclaimer styles */
#dvFooter .disclaimer {
background-color: transparent !important;
font-size: 12px !important;
padding: 0 0 15px !important;
}
#dvDisclaimer .disclaimer>.disclaimer {
padding: 0 0 15px 0;
}
.disclaimer .disclaimer {
font-size: inherit !important;
color: inherit;
padding: 0 0 15px 0;
}
#dvFooter .mobi-footer .copywright,
.mobi-footer .disclosure table td {
font-size: 12px;
}
#dvFooter .mobi-footer .disclaimer {
padding: 0 0 0 !important;
color: inherit !important;
}
#dvFooter .mobi-footer .disclosure a,
#dvFooter .disclosure a:active,
#dvFooter .disclosure a:visited {
color: #36c !important;
}
#jdBold {
font-weight: bold;
}
/* Styles used to keep column content and borders the same length */
.site-footer .row {
display: flex;
}
.site-footer .row .col {
height: auto;
}
/* Adjust for content swap between columns 3 and 4 */
.site-footer .row .col-3 .chat {
background: url(bg/footer-chat.png) no-repeat 0 0;
height: 26px;
line-height: 28px;
padding-left: 34px;
display: inline-block;
}
.site-footer .row .col-3 a:hover.chat {
text-decoration: none;
}
.site-footer .row .col-3 .call-center {
border-top: 1px dotted #999;
border-bottom: 1px dotted #999;
margin: 5px 0 15px 0;
padding: 10px 0;
color: #666;
}
.site-footer .row .col-3 .call-center p {
padding: 0;
margin: 0;
}
.site-footer .row .col-3 .call-center .toll-free {
color: #767676;
font-size: 1.6667em;
font-weight: bold;
margin: 0 0 5px 0;
}
p.factset {
margin: 0;
padding: 0 0 15px 0;
}
@media screen and (max-width:767px) {
/* viewport up to 767px */
.mobi-footer a.icon-contact {
padding: 0 0 0 26px;
line-height: 14px;
}
}
@media screen and (max-width:320px) {
/* viewport up to 320px */
.mobi-footer .mw-links2 table td {
font-size: 11px;
}
}
</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>
<script type="application/ld+json">
{
"@context": "http://schema.org",
"@type": "Organization",
"name": "Merrill Edge",
"url": "https://www.merrilledge.com",
"sameAs": ["https://twitter.com/merrilledge", "https://www.youtube.com/user/MerrillEdge", "https://www.linkedin.com/company/merrill-edge"]
}
</script>
<!-- BEGIN mobile footer -->
<div class="mobi-footer">
<div class="mw-links2">
<table cellpadding="0" cellspacing="0">
<tbody>
<tr>
<td><a href="https://locations.merrilledge.com/mobile" target="_self" name="FSA-Locator" id="FSA-Locator" class="icon-locations text-locations">Locations</a></td>
<td><a name="Contact" id="Contact" class="icon-contact" href="tel:888.637.3343">Call us at<br> 888.637.3343</a></td>
<td><a name="Schedule" id="Schedule" class="icon-schedule" href="https://secure.bankofamerica.com/mycommunications/public/appointments/getTopics.go">Schedule an<br> appointment</a></td>
</tr>
</tbody>
</table>
</div>
<div class="disclosure" style="font-weight:normal;">
<div class="morePaddingTop mb-m copywright"><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></div>
<div class="morePaddingTop mb-m copywright"><!-- Asset allocation (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6045-->
<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>
<!--END DISC_ID=D6045-->
</div>
<div class="morePaddingTop mb-m copywright"><!-- Merrill, its affiliates, and financial advisors do not provide... (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6018-->
<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>
<!--END DISC_ID=D6018-->
</div>
<div class="morePaddingTop mb-m copywright"><!-- MLPF&S makes available... (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6050-->
<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>
<!--END DISC_ID=D6050-->
</div>
<div class="morePaddingTop mb-m copywright">Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.</div>
<div class="morePaddingTop mb-m copywright">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>.</div>
<div class="morePaddingTop mb-m copywright">Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.</div>
<div class="mb-m morePaddingTop copywright">
<strong>Investment products offered through MLPF&S and insurance and annuity products offered through MLLA:</strong>
</div>
<table cellpadding="0" cellspacing="0" class="bold" role="presentation">
<tbody>
<tr>
<td style="width:30%; font-weight:bold;">Are Not FDIC Insured</td>
<td style="width:35%; font-weight:bold">Are Not Bank Guaranteed</td>
<td style="width:35%; font-weight:bold">May Lose Value</td>
</tr>
<tr>
<td style="font-weight:bold;">Are Not Deposits</td>
<td style="font-weight:bold;">Are Not Insured by Any Federal Government Agency</td>
<td style="font-weight:bold;">Are Not a Condition to Any Banking Service or Activity</td>
</tr>
</tbody>
</table>
<div class="paddingTop txt-14 mb-m">
<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="https://www.ml.com/privacy-and-security-center/how-we-protect-you.html">Security</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings">CA Opt-Out Preference Signals Honored </a>
</div>
<div class="morePaddingTop copywright" style="padding-bottom:20px;"> © 2023 Bank of America Corporation. All rights reserved. </div>
</div>
<div class="copywright paddingBottom paddingLeft">4326521</div>
</div>
<!-- END mobile footer -->
<!-- BEGIN desktop footer -->
<div class="fullsite-footer">
<div class="site-footer-980">
<div class="row">
<div class="col col-1">
<div>
<h3>I'd Like to</h3>
</div>
<div>
<ul>
<li><a name="footerRetirement" id="footerRetirement" href="/retirement-planning">Plan for Retirement</a></li>
<li><a name="footerCollege" id="footerCollege" href="/college-savings">Plan for College</a></li>
<li><a name="footerEmergencyFund" id="footerEmergencyFund" href="/guidance/starting-out/emergency-fund">Create an Emergency Fund</a></li>
<li><a name="footerStategy" id="footerStategy" href="/guidance/investment-help">Create an Investment Strategy</a></li>
<li><a name="footerOAO1" id="footerOAO1" href="/global-oao">Open an Account<span class="adahidden"> with Merrill</span></a></li>
</ul>
</div>
</div>
<div class="col col-2">
<div>
<h3>Discover Merrill</h3>
</div>
<div>
<ul>
<li><a name="footerWhyME" id="footerWhyME" href="/why-merrill-edge">Why Merrill</a></li>
<li><a name="footerPricing" id="footerPricing" href="/pricing">Pricing</a></li>
<li><a name="footerRelationshipDetails" id="footerRelationshipDetails" href="/investing/making-informed-decisions">Relationship details and fees</a></li>
<li class="prLI"><a name="footerPreferredRewards" id="footerPreferredRewards" href="/preferred-rewards">Preferred Rewards</a></li>
<li><a name="footerMobile" id="footerMobile" href="/mobile-investing">Mobile Investing</a></li>
<li><a name="footerOnlineTrading" id="footerOnlineTrading" href="/investing/online-trading">Online Trading</a></li>
<li><a name="footerCareers" id="footerCareers" target="_blank" href="https://careers.bankofamerica.com/en-us">Careers</a></li>
<li><a name="footerAwards" id="footerAwards" href="/why-merrill-edge/awards-ratings">Awards & Recognition</a></li>
</ul>
</div>
</div>
<div class="col col-3">
<div>
<h3>Contact Us</h3>
</div>
<!-- Removed Jan. 2020
<div id="tc-chat-container-35"></div> -->
<!-- Hides for IFA (see script) -->
<div class="call-center ifaNo">
<p class="toll-free">888.637.3343</p>
<!-- <p>Representatives are available 24/7</p> -->
</div>
<!-- Displays for IFA (see script) -->
<div class="call-center ifaYes hide">
<p class="bold" style="padding-bottom:3px;">To find the small business<br> retirement plan that works<br> for you, contact:</p>
<p>
<a target="_blank" rel="noopener noreferrer" href="mailto:franchise@bankofamerica.com?subject=Re%3A%20IFA%20franchise%20retirement%20solutions&body=Thank%20you%20for%20your%20interest%20in%20learning%20more%20about%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20for%20your%20franchise.%20We%20can%20help%20you%20choose%20a%20plan%20that%E2%80%99s%20right%20for%20you%20and%20your%20employees.%0D%0A%0D%0ATo%20better%20serve%20you%2C%20please%20provide%20the%20following%20required%20information%20so%20we%20can%20contact%20you%3A%0D%0A%0D%0ABusiness%20owner%E2%80%99s%20full%20name%3A%0D%0A%0D%0AName%20of%20the%20business%3A%0D%0A%0D%0APhone%20number%3A%0D%0A%0D%0AZip%20code%3A%0D%0A%0D%0ADo%20you%20currently%20have%20a%20retirement%20plan%20for%20your%20business%3F%0D%0A%0D%0A%0D%0ABy%20responding%20to%20this%20email%20you%20are%20consenting%20to%20being%20contacted%20by%20Bank%20of%20America%20Merrill%20Lynch%20retirement%20solutions%20advisor(s)%20to%20discuss%20your%20retirement%20needs%20at%20the%20phone%20number%20and%2For%20e-mail%20address%20you%20provided%20above%20regardless%20of%20any%20previously%20made%20privacy%20or%20contact%20preferences.%20Please%20note%20this%20consent%20will%20remain%20in%20effect%20for%2090%20days%3B%20unless%20you%20revoke%20your%20consent%20prior%20to%20this%20date.">franchise@bankofamerica.com</a>
</p>
</div>
<div class="txt-gray2 txt-11 pb-5">Connect with us:</div>
<div class="oflo-hide">
<div class="fl pr-15">
<a name="FooterLinkedIn" id="FooterLinkedIn" class="interstitialdesk" data-link="/interstitial-linkedin" href="https://www.linkedin.com/company/merrill-edge"><img width="22" height="20" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn" pxname="eta__FooterLinkedIn__img-1" id="eta__FooterLinkedIn__img-1"></a>
</div>
<div class="fl pr-15">
<a name="FooterTwitter" id="FooterTwitter" class=" interstitialdesk" data-link="/interstitial-twitter" href="https://twitter.com/merrilledge"><img width="23" height="19" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-Twitter-23x19.png" alt="Twitter" pxname="eta__FooterTwitter__img-1" id="eta__FooterTwitter__img-1"></a>
</div>
<div class="fl pt-2">
<a name="FooterYouTube" id="FooterYouTube" class=" interstitialdesk" data-link="/interstitial-youtube" href="https://www.youtube.com/user/MerrillEdge"><img width="20" height="14" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube" pxname="eta__FooterYouTube__img-1" id="eta__FooterYouTube__img-1"></a>
</div>
</div>
</div>
<div class="col col-4">
<div>
<h3>Unlimited $0 Trades</h3>
</div>
<div class="w-180 lead-16 pb-5">With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimums<span class="adahidden">Footer footnote </span><sup>b</sup></div>
<div class="w-180 lead-16 pb-15">Options contracts and other fees may apply<span class="adahidden">Footer footnote </span><sup>a</sup> </div>
<div class="pb-5"><a name="footerOAO2" id="footerOAO2" href="/global-oao" class="cta orange"><span>Open an account<span class="adahidden"> with Merrill Edge Self-Directed</span></span></a></div>
</div>
</div>
</div>
<!--=== END ROW ONE ===-->
<div class="site-footer-980">
<div class="txt-gray2">
<p class="factset">Copyright 2023 FactSet. All rights reserved.</p>
<!-- Other fees may apply -->
<span class="adahidden">Footer footnote </span>
<script type="text/javascript">
var tradeSUP = "a";
</script>
<!--BEGIN DISC_ID=D6007_Price-->
<div class="disclaimer">
<script>
if (tradeSUP) {
document.write(tradeSUP.sup());
}
</script><sup>a</sup> <span id="D6007">Other fees may apply. Free and $0 means there is no commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales are subject to a transaction fee of
between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs. To learn more about Merrill pricing, visit <a name="DiscPricing" id="DiscPricing" href="/pricing">our Pricing page</a>.</span>
</div>
<!--END DISC_ID=D6007_Price-->
<!-- Eligibility -->
<span class="adahidden">Footer footnote </span>
<script type="text/javascript">
var tradeSUP = "b";
</script>
<!--BEGIN DISC_ID=Dprice_eligibility-->
<div class="disclaimer">
<script>
if (tradeSUP) {
document.write(tradeSUP.sup());
}
</script><sup>b</sup> 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.
</div>
<!--END DISC_ID=Dprice_eligibility-->
<p><strong>Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.</strong></p>
<!-- Asset allocation (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6045-->
<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>
<!--END DISC_ID=D6045-->
<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">Client Relationship Summary (PDF)</a>.</p>
<!-- Merrill, its affiliates, and financial advisors do not provide... (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6018-->
<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>
<!--END DISC_ID=D6018-->
<!-- MLPF&S makes available... (no footnote number) -->
<script type="text/javascript">
var tradeSUP = "";
</script>
<!--BEGIN DISC_ID=D6050-->
<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>
<!--END DISC_ID=D6050-->
<p>Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA Corp.").</p>
<p>Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly owned subsidiary of BofA Corp.</p>
</div>
<div class="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>Are Not FDIC Insured</td>
<td>Are Not Bank Guaranteed</td>
<td>May Lose Value</td>
</tr>
<tr>
<td class="valign-t">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>
</tbody>
</table>
</div>
<div class="legal">
<div class="left mt-m" style="width: 77%;">
<a class="bookmark" name="Prvcy" id="Prvcy" target="_blank" href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html">Privacy</a> | <a class="bookmark" name="Secrty" id="Secrty" target="_blank" href="https://www.ml.com/privacy-and-security-center/how-we-protect-you.html">Security</a> | <a name="SiteMap" id="SiteMap" href="/site-map">Site Map</a> | <a href="https://olui2.fs.ml.com/SVE/Pages/SoftwareRequirements.aspx?sgt=3" target="_blank">Software Requirements</a> | <a class="bookmark" name="RteExcns" id="RteExcns" href="https://www.ml.com/legal.html#tag2" target="_blank">Routing & Executions</a> | <a class="bookmark" name="RelationshipDetails" id="RelationshipDetails" href="/investing/making-informed-decisions">Relationship Details & Fees</a> | <a class="bookmark" name="WebAccess" id="WebAccess" href="https://www.bankofamerica.com/accessiblebanking/access-services.go" target="_blank">Web Accessibility</a> | <a name="prModal" id="prModal" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','430','600px');return false;" href="javascript:void(0);">Advertising Practices</a>
<br>
<a name="FormbLib" id="FormbLib" href="/forms-library">Forms & Applications</a> | <a class="bookmark" name="LegalInfo" id="LegalInfo" href="https://www.ml.com/legal.html" target="_blank">Legal Information</a> | <a class="bookmark" name="BizCntnty" id="BizCntnty" href="https://www.ml.com/privacy-and-security-center/business-continuity-planning.html" target="_blank">Business Continuity</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/ICCRateSheet.pdf" target="_blank" name="DepositAccount" id="DepositAccount" rel="nofollow">Deposit Account & Money Fund Rates (PDF)</a> | <a class="bookmark" name="NewsRm" id="NewsRm" href="https://newsroom.bankofamerica.com/" target="_blank">Bank of America Newsroom</a>
<br>
<a target="_blank" name="MEReport" id="MEReport" href="https://newsroom.bankofamerica.com/press-releases/merrill-lynch/merrill-edger-report-finds-nearly-9-10-americans-believe-how-they">Merrill Edge Report</a> | <a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.pdf" target="_blank" name="FormCRS2" id="FormCRS2" rel="nofollow">Client Relationship Summary (Form CRS) (PDF)</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings">CA Opt-Out Preference Signals Honored </a>
</div>
<div class="right">
<div class="site-logo" data-widget="Site Logo" style="margin:10px 0;">
<a href="/" class="site-logo__img">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</a>
<span class="site-logo__print">
<span class="ada-hidden">Merrill A Bank of America Company</span>
</span>
</div>
</div>
</div>
<div class="copyrights txt-gray2">
<p>© 2023 Bank of America Corporation. All rights reserved.</p>
<p>4326521</p>
</div>
</div>
</div>
<script type="text/javascript">
Sys.Application.add_init(function() {
// Script to create IFA tactic experience
if (typeof __ETAttr.tactic_id !== 'undefined' && __ETAttr.tactic_id !== null) {
var pageTactic = __ETAttr.tactic_id.toUpperCase();
if (pageTactic == 'IFA') { // Show/hide content according to tactic
if ($('.ifaNo').length) {
$('.ifaNo').css('display', 'none');
}
if ($('.ifaYes').length) {
$('.ifaYes').css('display', 'block');
}
}
}
// Hides Meganav and Power Footer PR links for Preferred Rewards Fair Lending impact
var pageURL = $(location).attr("href").toLowerCase();
if (pageURL.indexOf('no-lending=true') > 0) {
$('#nav2_col1WhyEdge, #nav3_col1WhyEdge, .prLI').css('display', 'none');
}
});
/* OO_CONF.JS START */
/* OnlineOpinion v5.1.5 */
/* Released: 11/11/2010 */
/* Components: popup ocode floating
/* The following code is Copyright 1998-2010 Opinionlab, Inc. All rights reserved. Unauthorized use is prohibited. This product and other products of OpinionLab, Inc. are protected by U.S. Patent No. 6606581, 6421724, 6785717 B1 and other patents pending. http://www.opinionlab.com */
/* [+] Floating Icon configuration */
$GE.UTILS.Common.loadFeedbackControl({
feedbackBehaviour: GE.UI.Controls.FeedbackControl.Behaviour.Floating
});
/* OO_CONF.JS ENDS*/
</script>
<!-- END desktop footer -->
<!-- END Responsive Article footers -->
<!-- MediaDictionary
<MediaDictionary>
</MediaDictionary>
-->
</span>
<div id="emcode"> (TX22********1V)</div>
</div>
</div>
</div>
<span id="ctl00_ctl00_cctlSection_Tracking_Tags">
<style>
.skip-to-content {
position: absolute;
left: -9999px;
top: 0;
padding: 4px 0 0 4px;
z-index: 1001;
}
.skip-to-content:hover,
.skip-to-content:focus {
left: 0;
}
a.skip-to-content:hover~.wrapper,
.skip-to-content:focus~.wrapper {
top: 30px;
}
</style>
<script type="text/javascript">
var skipToContentHandler = function() {
var isMobile = window.matchMedia('(max-width: 767px)').matches;
if (!isMobile) {
$('.skip-to-content').on('click', function(e) {
e.preventDefault();
var content = $(e.currentTarget).attr('href');
var textChildren = $(content).find('h1, h2, h3, h4, h5, h6, p, a, li');
if (textChildren) {
$(textChildren[0]).attr('tabindex', -1);
$(textChildren[0]).focus();
}
});
} else {
$('.skip-to-content').attr('aria-hidden', 'true').hide();
}
};
$GE.ready(function() {
if ($GE.JQ(lnkSkipToMainContent).length > 0) {
$GE.JQ(lnkSkipToMainContent).attr('aria-hidden', 'false').attr('href', '#siteBodyContent').attr('tab-index', '0').attr('class', 'skip-to-content').attr('onclick', 'javascript:skipToContentHandler();');
}
});
</script>
<!--TTenabled-->
<script type="text/javascript">
function InitiateGlobalWidgetLoad() {
try {
var searchmastertxtboxWidget = new GE.UI.Widget({
Id: "ECMS_SearchTextbox_Widget",
TargetElementId: "dvoseSearchinner",
LoadingCss: "",
MaskingCss: "",
phId: "srchMasterTxtboxSP",
RequestParams: {
"appProperties": {
AppID: 'OSE',
PageName: 'master',
EnableAutocomplete: 'true'
}
}
});
if ($GE.JQ('#dvoseSearchinner').length > 0) {
searchmastertxtboxWidget.Render();
}
} catch (ex) {
console.log("Error occured while render widget" + ex);
}
}
try {
window.$GE_WM_Load_Handlers.push(InitiateGlobalWidgetLoad);
} catch (e) {
console.log("Error occured while loading widget" + e);
}
</script>
<script type="text/javascript">
var ecms_level = '';
var ecms_ET_server = 'etui.fs.ml.com';
var ecms_site = 'OSE';
var ecms_segment = '';
var ecms_page = 'article';
var __ETAttr = {};
__ETAttr.site_id = 'OSE';
__ETAttr.page_id = 'article';
__ETAttr.location_id = '';
__ETAttr.tactic_id = 'OTHER';
__ETAttr.IsSitePreview = 'False';
__ETAttr.DART = 'd00000ap';
$GE.ready(function() {
if (_clientCtx["CaiId"] != undefined && _clientCtx["CaiId"] != "") {
if (_clientCtx["CaiId"] != undefined) $(".fsa-caiid").text(_clientCtx["CaiId"]);
if (_clientCtx["FirstName"] != undefined) $(".fsa-firstname").text(_clientCtx["FirstName"]);
if (_clientCtx["LastName"] != undefined) $(".fsa-lastname").text(_clientCtx["LastName"]);
if (_clientCtx["FirstName"] != undefined && _clientCtx["LastName"] != undefined) $(".fsa-fullname").text(_clientCtx["FirstName"] + " " + _clientCtx["LastName"]);
if (_clientCtx["Designations"] != undefined) $(".fsa-designations").text(_clientCtx["Designations"]);
if (_clientCtx["FunctionalTitle"] != undefined) $(".fsa-functionaltitle").text(_clientCtx["FunctionalTitle"]);
if (_clientCtx["CorporateTitle"] != undefined) $(".fsa-corporatetitle").text(_clientCtx["CorporateTitle"]);
if (_clientCtx["NmlsId"] != undefined) $(".fsa-nmlsid").text(_clientCtx["NmlsId"]);
if (_clientCtx["Phone"] != undefined && _clientCtx["Phone"] != "") $(".fsa-phone").text(_clientCtx["Phone"].replace(/(\d{3})(\d{3})(\d{4})/, '$1.$2.$3'));
if (_clientCtx["Extension"] != undefined && _clientCtx["Extension"] != "") {
$(".fsa-extension").text("ext. " + _clientCtx["Extension"]);
} else {
$(".fsa-extension").css('display', 'none');
}
if (_clientCtx["Email"] != undefined) $(".fsa-email").text(_clientCtx["Email"]);
if (_clientCtx["Address1"] != undefined) $(".fsa-address1").text(_clientCtx["Address1"]);
if (_clientCtx["Address2"] != undefined) $(".fsa-address2").text(_clientCtx["Address2"]);
if (_clientCtx["City"] != undefined) $(".fsa-city").text(_clientCtx["City"]);
if (_clientCtx["State"] != undefined) $(".fsa-state").text(_clientCtx["State"]);
if (_clientCtx["Zip"] != undefined) $(".fsa-zip").text(_clientCtx["Zip"]);
if (_clientCtx["WebsiteURL"] != undefined) $(".fsa-website").attr('href', _clientCtx["WebsiteURL"]);
if (_clientCtx["PhotoURL"] != undefined && _clientCtx["PhotoURL"] != "") {
$(".fsa-photo").css("background-image", "url(" + _clientCtx["PhotoURL"] + ")");
} else {
$(".fsa-photo").css('width', 0);
$(".fsa-photo").css('height', 0);
$(".fsa-photo").css('margin-right', 0);
}
if (_clientCtx["BcZip"] != undefined) $(".fsa-bczip").text(_clientCtx["BcZip"]);
if (_clientCtx["BbaURL"] != undefined && _clientCtx["BbaURL"] != "") {
$(".fsa-scheduleappointment").attr('href', _clientCtx["BbaURL"]);
} else {
$(".fsa-scheduleappointment").css('display', 'none');
}
if (_clientCtx["StateRegistrations"] != undefined) $(".fsa-stateregistrations").text(_clientCtx["StateRegistrations"]);
if (_clientCtx["SupervisoryURL"] != undefined) $(".fsa-supervisoryurl").attr('href', _clientCtx["SupervisoryURL"]);
if (_clientCtx["SupervisoryAddress"] != undefined) $(".fsa-supervisoryaddress").text(_clientCtx["SupervisoryAddress"]);
if (_clientCtx["SupervisoryCity"] != undefined) $(".fsa-supervisorycity").text(_clientCtx["SupervisoryCity"]);
if (_clientCtx["SupervisoryState"] != undefined) $(".fsa-supervisorystate").text(_clientCtx["SupervisoryState"]);
if (_clientCtx["SupervisoryZip"] != undefined) $(".fsa-supervisoryzip").text(_clientCtx["SupervisoryZip"]);
if (_clientCtx["SupervisoryPhone"] != undefined) $(".fsa-supervisoryphone").text(_clientCtx["SupervisoryPhone"]);
$(".fsa-notincontext").css('display', 'none');
$(".fsa-incontext").css('display', 'block');
} else {
$(".fsa-incontext").css('display', 'none');
$(".fsa-notincontext").css('display', 'block');
}
});
</script>
<script type="text/javascript">
/* <![CDATA[ */
var __ETFlags = {
FieldTags: true,
TrackDynamic: true
}; /* ]]> */
</script>
<script type="text/javascript" src="/publish/content/application/x-javascript/ET_2-4.6.js"> </script>
<script type="text/javascript">
/* <![CDATA[ */
/* var __ETFlags ={ FieldTags:true}; remove per Veer */
/* ]]> */
</script>
<script type="text/javascript">
/* <![CDATA[ */
if (document.readyState === "interactive" || document.readyState === "complete") {
var axel = Math.random() + "";
var a = axel * 10000000000000;
var params = [];
params[0] = {};
params[0].type = "dart";
params[0].ddoData = {
"standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]
};
$GE.Tagging.updateDDO(params);
} else {
document.onreadystatechange = function() {
if (document.readyState === "interactive") {
var axel = Math.random() + "";
var a = axel * 10000000000000;
var params = [];
params[0] = {};
params[0].type = "dart";
params[0].ddoData = {
"standardDART": ["https://1359940.fls.doubleclick.net/activityi;src=1359940;type=merri346;cat= " + __ETAttr.DART + ";ord=1;num=" + a + ";"]
};
$GE.Tagging.updateDDO(params);
}
}
}
/* ]]> */
</script>
</span>
<span id="ctl00_ctl00_ctrlLiveTextChat"></span>
<script type="text/javascript" language="javascript">
Sys.Application.add_load(function() {
if (typeof $GE != "undefined" && $GE != null) {
var options = {
"SITE_ID": "OSE",
"LANGUAGE": "ENGLISH"
};
var KeyValuePair = {
"ME_SALES_CHAT": "Y"
};
var tcChatSession = $GE.initChat(options);
tcChatSession.setChatParam(KeyValuePair); //For custom data pass
}
});
</script>
<script type="text/javascript">
//<![CDATA[
var vWSODChartAPIName = "/net/WidgetAPI/GetWidgets"; //]]>
</script>
<script language="javascript" type="text/javascript">
var PlatformPaths = new Object();
PlatformPaths.SVEVirtualPath = '/sve/p/TM/FolderVersionNotFound/default';
PlatformPaths._runLookupPath = '/sve/pages/RunLookup.aspx?RUN=';
PlatformPaths._hasXssCharMappings = true;
PlatformPaths._xssCharsEncodeMappings = {
"'": '@',
'\\#': '[ge_hs_ge]',
';': '[ge_sc_ge]',
'\\(': '[ge_op_ge]',
'\\)': '[ge_cp_ge]',
'"': '[ge_qt_ge]',
'\\+': '[ge_pl_ge]'
};
PlatformPaths._xssCharsDecodeMappings = {
"'": '@',
'#': '\\[ge_hs_ge]',
';': '\\[ge_sc_ge]',
'(': '\\[ge_op_ge]',
')': '\\[ge_cp_ge]',
'"': '\\[ge_qt_ge]',
'+': '\\[ge_pl_ge]'
};
PlatformPaths._CurrentPageResource = '';
PlatformPaths._ContextaulServicePath = '/m/cse/uiservices/PlatformControlService.asmx';
PlatformPaths._ContextaulWebMethodName = 'ContextaulGlossaryData';
PlatformPaths._csehWSPath = '/M/CSE/UIServices/ErrorLogging.asmx';
PlatformPaths._siteHelpPath = '';
PlatformPaths._keepAliveUrl = '';
PlatformPaths._newPingURL = 'https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_PING2';
PlatformPaths._helpModalUrl = 'https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_ECMS_MODAL?Type=PageHelp_article';
PlatformPaths._downloadPath = 'https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_FILEDOWNLOADHELPER';
PlatformPaths._unAuthDownloadPath = 'https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GE_UNAUTHFILEDOWNLOADHELPER';
PlatformPaths.autoCompleteInterval = '1500';
PlatformPaths.interstitialSettings =
'{"StateColl":{"State":{}},"CurrentExperience":"Default","CurrentSite":"TM","PopupUrl":"https://olui2.fs.ml.com/sve/cse/common/pages/redirector.aspx?RUN=RUN_GEDPU_GE_INTERSITEALERT","PopupTitle":null,"PopupTimerMs":5000,"MldFqdn":"olui2.fs.ml.com","MldoaFqdn":"","VendorEnts":{"MLD":false,"OLB":false,"MLDOA":false,"BROKERCHECK":false,"BROADRIDGE":false},"IsMldToggleEnabled":false}';
PlatformPaths.isSDB = false;
PlatformPaths.enableClientSideSetMode = 'false';
PlatformPaths._isUserImpersonated = false;
PlatformPaths._isCobrowseApplicable = true;
PlatformPaths._cobrowseScriptPath = '/sve/js/v4/vendor/launcher.js?TIMESTAMP';
PlatformPaths._globalHoverQuoteID = 'ctl00_ctl00_siteContent_globalHoverQuote';
PlatformPaths._controlServicePath = '/m/cse/uiservices/PlatformControlService.asmx';
</script>
<script type="text/javascript">
//<![CDATA[
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_ecmsWPRcctlLogo"
}, null, null, $get("ctl00_ctl00_siteContent_cctlLogo"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_ecmsWPRcctlUtilityLinks"
}, null, null, $get("ctl00_ctl00_siteContent_cctlUtilityLinks"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {
"hoverQuoteSettings": "{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }",
"instanceType": 1,
"isInlineToOtherPopup": false,
"isJAWSSupported": true,
"isSearchByCompanyNameEnabled": false,
"requestTimeOut": 7000,
"searchLookupURL": "",
"stringResources": "{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}",
"supportedInstrumentTypes": "[2,4,5,6,7,13,15]",
"webServicePath": "/m/cse/uiservices/PlatformControlService.asmx"
}, null, null, $get("ctl00_ctl00_siteContent_globalHoverQuote"));
});
Sys.Application.add_init(function() {
$create(Sys.Extended.UI.TextBoxWatermarkBehavior, {
"ClientStateFieldID": "ctl00_ctl00_siteContent_glQte__ClientState",
"WatermarkText": "Get Quote",
"id": "ctl00_ctl00_siteContent_glQte_ctl01"
}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.AutoCompleteExtender, {
"FirstColumnDataField": "Symbol",
"RunMode": 0,
"SecondColumnDataField": "Description",
"StringResources": "{\"SRES_AUTO_NORECORDS\":\"No matches found\",\"SRES_CLOSE\":\"Close\",\"SRES_AUTO_NORECORDS_DESC\":\"We did not find any matches for the information you entered. Please try again.\",\"STES_MULTIPLE_MATCHES\":\"{0:###,###,##0} Match{1} Found\"}",
"acDelay": 1500,
"appID": "GQ",
"completionInterval": 1500,
"completionListCssClass": "quote_completionListElement",
"completionListHeight": "250px",
"completionListItemCssClass": "quote_listItem",
"completionListItemFirstColumnCssClass": "quote_listItem_firstColumn",
"completionListItemFooterCssClass": "quote_headerrow",
"completionListItemSecondColumnCssClass": "quote_listItem_secondColumn",
"completionSetCount": 20,
"delimiterCharacters": "",
"headerRowCssClass": "quote_listItem quote_headerrow",
"highlightedItemCssClass": "quote_highlightedListItem",
"id": "bAutoComp",
"isAutoCompOnPopup": false,
"minimumPrefixLength": 1,
"serviceMethod": "GetSymbolAutoComplete",
"servicePath": "/m/cse/uiservices/PlatformControlService.asmx",
"showFooterLink": true,
"showFooterLinkByCount": false,
"symbolLookupRunParam": "RUN_RISymbolLookUpUI_VendorSymbolLookUp"
}, null, null, $get("ctl00_ctl00_siteContent_glQte_txtSymbol"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.GlobalQuote.GlobalQuoteControl, {
"hoverQuoteSettings": "{\"Entitlements\":{},\"RUNs\":{\"RUN_Login\":\"https://olui2.fs.ml.com/login/login.aspx?sgt=3\",\"OSE_OAO\":\"/global-oao\"} }",
"instanceType": 0,
"isInlineToOtherPopup": false,
"isJAWSSupported": true,
"isSearchByCompanyNameEnabled": false,
"requestTimeOut": 7000,
"searchLookupURL": "",
"stringResources": "{\"EnterSymbol\":\"Enter Symbol\",\"EnterSymbolCompanyName\":\"Enter Symbol or Company Name\",\"PleaseEnterSymbol\":\"Please enter a symbol\",\"PleaseEnterSymbolCompanyName\":\"Please enter a symbol or company name\",\"ErrorMessage\":\"There are no securities that match your search parameters.\",\"NoRecordsMessage\":\"We\u0027re sorry, but we\u0027re unable to retrieve data for this security.\",\"NoRecordsFound\":\"No Matches Found\"}",
"supportedInstrumentTypes": "[2,4,5,6,7,13,15]",
"webServicePath": "/m/cse/uiservices/PlatformControlService.asmx"
}, null, null, $get("ctl00_ctl00_siteContent_glQte_GlobalQuote1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ContextualGlossaryTermBehavior, {
"Configuration": "{\u0027Width\u0027:\u0027\u0027,\u0027Height\u0027:\u0027\u0027, \u0027_iDsToDecorate\u0027:[]}",
"Data": "",
"VisibleCloseLink": true,
"id": "ctl00_ctl00_siteContent_ContextualGlossaryTermExtender1"
}, null, null, $get("ctl00_ctl00_siteContent_dvCGTContext"));
});
Sys.Application.add_init(function() {
$create(MerrillLynch.Application.Online.MicroSite.GlobalNavigation.RenderMenu, null, null, null, $get("ctl00_ctl00_siteContent_nmMEMenu"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.MegaNavMenu, {
"ApplyNavigationMatrixRule": true,
"MegaNavData": "",
"MegaNavMode": "Default",
"MegaNavTargetElements": "[{\"ElementId\":\"liMenu_ME_WHYEDGE\",\"NavDataId\":\"ME_WHYEDGE\"},{\"ElementId\":\"liMenu_ME_INVESTINGANDTRADING\",\"NavDataId\":\"ME_INVESTINGANDTRADING\"},{\"ElementId\":\"liMenu_ME_GUIDANCEANDRETIREMENT\",\"NavDataId\":\"ME_GUIDANCEANDRETIREMENT\"},{\"ElementId\":\"liMenu_ME_RESEARCH\",\"NavDataId\":\"ME_RESEARCH\"},{\"ElementId\":\"liMenu_ME_EDUCATION\",\"NavDataId\":\"ME_EDUCATION\"},{\"ElementId\":\"liMenu_ME_OPENANACCOUNT\",\"NavDataId\":\"ME_OPENANACCOUNT\"}]",
"MegaNavTargetMenuId": "siteNav",
"RenderMode": 0,
"hiddenMegaNavDataElements": "[]"
}, null, null, $get("MegaNavMenu1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {
"Application": "m",
"ContentFound": true,
"ContentLocations": "",
"ControlId": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1",
"DesignParams": null,
"Errors": "",
"ManifestLocation": "",
"Mode": "real",
"Page": "article",
"RootDocumentCategory": "SIMPLE_HTML",
"RootDocumentFriendlyName": null,
"RootDocumentLevel": null,
"RootDocumentName": "RDN_Standard",
"RuntimeParams": "\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003earticle\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneOne\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e",
"Segment": "DEFAULT",
"ServicePath": "https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx",
"Site": "OSE",
"Specializations": ["site", "OSE", "Page", "article", "location", "phZoneOne", "Tactic", "OTHER"],
"SuppressContentOnLoad": "False",
"SuppressHtmlMarkup": "False"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ecmsWPRECMSContentCtrl1"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl1_ctl00_ECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {
"Application": "m",
"ContentFound": true,
"ContentLocations": "",
"ControlId": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1",
"DesignParams": null,
"Errors": "",
"ManifestLocation": "",
"Mode": "real",
"Page": "article",
"RootDocumentCategory": "SIMPLE_XML",
"RootDocumentFriendlyName": null,
"RootDocumentLevel": null,
"RootDocumentName": "RDN_ArticleViewer_Asset",
"RuntimeParams": "\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003earticle\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneTwo\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e",
"Segment": "DEFAULT",
"ServicePath": "https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx",
"Site": "OSE",
"Specializations": ["site", "OSE", "ContentID", "how-to-prepare-for-unexpected-financial-events", "IsArticleRated", "False"],
"SuppressContentOnLoad": "False",
"SuppressHtmlMarkup": "False"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ecmsWPRECMSContentCtrl1"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl2_ctl00_ECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {
"Application": "m",
"ContentFound": false,
"ContentLocations": "",
"ControlId": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1",
"DesignParams": null,
"Errors": "",
"ManifestLocation": "",
"Mode": "real",
"Page": "article",
"RootDocumentCategory": "SIMPLE_HTML",
"RootDocumentFriendlyName": null,
"RootDocumentLevel": null,
"RootDocumentName": "RDN_Standard",
"RuntimeParams": "\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003earticle\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneThree\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e",
"Segment": "DEFAULT",
"ServicePath": "https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx",
"Site": "OSE",
"Specializations": ["site", "OSE", "Page", "article", "location", "phZoneThree", "Tactic", "OTHER"],
"SuppressContentOnLoad": "False",
"SuppressHtmlMarkup": "False"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ecmsWPRECMSContentCtrl1"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl3_ctl00_ECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {
"Application": "m",
"ContentFound": false,
"ContentLocations": "",
"ControlId": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1",
"DesignParams": null,
"Errors": "",
"ManifestLocation": "",
"Mode": "real",
"Page": "article",
"RootDocumentCategory": "SIMPLE_HTML",
"RootDocumentFriendlyName": null,
"RootDocumentLevel": null,
"RootDocumentName": "RDN_Standard",
"RuntimeParams": "\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003earticle\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"zone\" type=\"passed_in\" description=\"\"\u003e\u003cspec_param id=\"\" name=\"location\" required=\"\"\u003e\u003cspec_value name=\"location_id\" id=\"\"\u003ephZoneFour\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003c/specializations\u003e",
"Segment": "DEFAULT",
"ServicePath": "https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx",
"Site": "OSE",
"Specializations": ["site", "OSE", "Page", "article", "location", "phZoneFour", "Tactic", "OTHER"],
"SuppressContentOnLoad": "False",
"SuppressHtmlMarkup": "False"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ecmsWPRECMSContentCtrl1"
}, null, null, $get("ctl00_ctl00_siteContent_MainContent_SimpleContentControl4_ctl00_ECMSContentCtrl1"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.ECMSContentCtrl, {
"Application": "m",
"ContentFound": false,
"ContentLocations": "",
"ControlId": "ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer",
"DesignParams": null,
"Errors": "",
"ManifestLocation": "",
"Mode": "real",
"Page": "article",
"RootDocumentCategory": "SIMPLE_HTML",
"RootDocumentFriendlyName": null,
"RootDocumentLevel": null,
"RootDocumentName": "RDN_ME_Disclaimer",
"RuntimeParams": "\u003cspecializations\u003e\u003cspecialization name=\"page\" type=\"passed_in\" description=\"page\"\u003e\u003cspec_param id=\"3\" name=\"page\" required=\"true\"\u003e\u003cspec_value name=\"page\" id=\"3\"\u003earticle\u003c/spec_value\u003e\u003c/spec_param\u003e\u003c/specialization\u003e\u003cspecialization name=\"type\" type=\"\" description=\"\"\u003e\u003c/specialization\u003e\u003c/specializations\u003e",
"Segment": "DEFAULT",
"ServicePath": "https://www.merrilledge.com/m/cse/uiservices/ECMSContentService.asmx",
"Site": "OSE",
"Specializations": ["site", "OSE", "Page", "article", "Tactic", "OTHER"],
"SuppressContentOnLoad": "False",
"SuppressHtmlMarkup": "False"
}, null, null, $get("ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_ecmsWPRcctlDisclaimer"
}, null, null, $get("ctl00_ctl00_siteContent_cctlDisclaimer"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_siteContent_ecmsWPRcctlFooter"
}, null, null, $get("ctl00_ctl00_siteContent_cctlFooter"));
});
Sys.Application.add_init(function() {
$create(Online.Platform.Web.UI.Controls.PlatformContentControl, {
"ECMSClientID": "ctl00_ctl00_ecmsWPRcctlSection_Tracking_Tags"
}, null, null, $get("ctl00_ctl00_cctlSection_Tracking_Tags"));
});
//]]>
</script>
<input type="hidden" value="1" id="hiddenInputToUpdateATBuffer_CommonToolkitScripts" name="hiddenInputToUpdateATBuffer_CommonToolkitScripts">
</form>POST https://olui2.fs.ml.com/sve/p/pages/ge_chat.aspx
<form id="intermediatePage" method="post" action="https://olui2.fs.ml.com/sve/p/pages/ge_chat.aspx"><input type="hidden" name="debug"><input type="hidden" name="domain"><input type="hidden" name="bactm"><input type="hidden" name="bactm_lts"><input
type="hidden" name="CHATPID"><input type="hidden" name="occtChat"><input type="hidden" name="SID"><input type="hidden" name="SPID"><input type="hidden" name="targetUrl"><input type="hidden" name="WPID"><input type="hidden"
name="occtChat_lts"><input type="hidden" name="expiryDate"></form>POST https://etui.fs.ml.com/enterprisetagging/getcookie.ashx?res=h&a=1677183486521
<form method="post" id="__etF" target="__etiF" action="https://etui.fs.ml.com/enterprisetagging/getcookie.ashx?res=h&a=1677183486521"></form>Text Content
Skip to main content
Merrill A Bank of America Company Merrill A Bank of America Company
Go to Bank of America | Locations | About Us | Help | Login | Privacy | Security
| Legal Information Open An Account
Please enter exact symbol in the textbox. Select this link or Ctrl+Q to get a
quote. Type in a symbol or company name, and press Enter.Select link to get a
quote. Type a symbol or company name and press Enter. Press CTRL + Q to read
quote window information.
Enter your search Merrill Edge keyword Search for text you entered in Search
Merrill Edge text field
* Why Merrill Press Control + M for sub menu and use tab key for navigation.
* Invest Press Control + M for sub menu and use tab key for navigation.
* Plan Press Control + M for sub menu and use tab key for navigation.
* Retirement Press Control + M for sub menu and use tab key for navigation.
* Learn Press Control + M for sub menu and use tab key for navigation.
* Open An Account Press Control + M for sub menu and use tab key for
navigation.
How Are We Different?
* Pricing & Fees
* BofA Preferred Rewards
* Insights
* Investing & Banking Connected
* Mobile Investing
* Sustainable Investing
* Awards & Accolades
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
Ways to Manage Accounts
* Merrill Edge® Self-Directed
* Merrill Guided Investing
* Invest with an Advisor
* Compare All
Investment Accounts
* General Investing
* Education Accounts
Investment Products
* Stocks
* Mutual Funds
* ETFs
* Fixed Income & Bonds
* Options
Trading
* Margin Trading
* Order Execution Quality
Investment Tools
* Idea Builder
* Merrill Edge MarketPro®
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
Tools
* Personal Retirement Calculator
* College Cost Calculator
* IRA Selector
* 401(k) Rollover Calculator
* 529 Plan State Tax Calculator
* View All Tools
Life Planning
* New to Investing
* Plan for College
* Tax Planning
* Investing by Life Stages
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
Solutions
* Rollover
* Traditional IRA
* Roth IRA
Retirement Resources
* Plan for Retirement
* Retirement Tools
Small Business
* Small Business 401(k)
* Individual 401(k)
* SEP IRA
* SIMPLE IRA
* View All Plans
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
Resources
* Investing Webinars
* Morningstar Classroom
* Investor Education Videos
Products Overview
* Stocks
* Mutual Funds
* ETFs
* Fixed Income & Bonds
* Options
* Annuities
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
Help When You Want It
888.637.3343
To find the small business
retirement plan that works
for you, contact:
Find a local Merrill Financial
Solutions Advisor franchise@bankofamerica.com
Schedule an appointment
Learn more about an advisor's
background on FINRA's BrokerCheck
General Investing
* Individual Investing Account
* Joint Investing Account
* Custodial Investing Account
Retirement Accounts
* Rollover
* Traditional IRA
* Roth IRA
Inherited IRA
* Traditional Inherited IRA
* Roth Inherited IRA
College Planning Accounts
* 529 College Savings Plans
* Custodial UGMA/UTMA Accounts
Managed Portfolios
* Merrill Guided Investing
* Invest with an Advisor
Small Business Accounts
* Small Business 401(k)
* Individual 401(k)
* SEP IRA
* SIMPLE IRA
* Business Investor Account
Simple Flat-Rate Pricing
* lnvesting Costs & Fees
Merrill A Bank of America Company Merrill A Bank of America Company
Open an account
Login
Open Menu bar
* Why Merrill
* Overview
* How Are We Different?
* Pricing & Fees
* BofA Preferred Rewards
* Insights
* Investing & Banking Connected
* Mobile Investing
* Sustainable Investing
* Awards & Accolades
* Invest
* Overview
* Ways to Manage Accounts
* Merrill Edge® Self-Directed
* Merrill Guided Investing
* Investing with an Advisor
* Compare all
* Investment Accounts
* General Investing
* Education Accounts
* Investment Products
* Stocks
* Mutual Funds
* ETFs
* Fixed Income & Bonds
* Options
* Active Trading
* Margin Trading
* Order Execution Quality
* Investment Tools
* Idea Builder
* Merrill Edge MarketPro®
* Plan
* Overview
* Tools
* Personal Retirement Calculator
* College Cost Calculator
* IRA Selector
* 401(k) Rollover Tool
* 529 Plan State Tax Calculator
* View all tools
* Life Planning
* New to Investing
* Plan for College
* Tax Plannning
* Investing by Life Stages
* Retirement
* Overview
* Solutions
* Rollover
* Traditional IRA
* Roth IRA
* Retirement Resources
* Plan for Retirement
* Retirement Tools
* Small Business
* Small Business 401(k)
* Individual 401(k)
* SEP IRA
* SIMPLE IRA
* View all plans
* Learn
* Overview
* Resources
* Investing Webinars
* Morningstar Classroom
* Investor Education Videos
* Products Overview
* Stocks
* Mutual Funds
* ETFs
* Fixed Income & Bonds
* Options
* Annuities
* Help When You Want It
Find answers to
common questions at Merrill Schedule an
appointment with Merrill
To find the small business retirement plan that works for you, contact:
franchise@bankofamerica.com
Open an account with Merrill
Print
PREPARING FOR THE BIG 'WHAT-IFS' IN YOUR FINANCIAL LIFE
Share:
Text size: aA aA aA
Steps you can take to help make sure unexpected events don't interfere with your
long-term plans.
Common sense tells us that it's impossible to eliminate all risk from our lives,
financial or otherwise. We can't control whether markets go up or down. A
divorce, serious illness — or even a large, unexpected bill — could create a
financial shortfall that throws your careful plans off track. "A number of life
events can risk changes to income or savings and threaten an individual's or
family's financial well-being," says Lauren Sanfilippo, an investment strategist
in the Chief Investment Office for Merrill and Bank of America Private Bank.
While you can't prevent these scenarios, by taking a holistic view of your
financial future, an advisor can suggest options for helping preserve your
finances from most of them, says Rachel Scholl, director, Wealth Management
Lending Strategy Execution, Bank of America. Here's how you might prepare for
some of the most common — and risky — what-ifs.
Previous slide
Next slide
View slide 1 of 5. The 4 biggest risks to your financial security. How
unexpected events can dramatically alter your financial plans. View slide 2 of
5 View slide 3 of 5 View slide 4 of 5 View slide 5 of 5
Previous slide
Next slide
View slide 1 of 5 View slide 2 of 5. A bear market. Between 1926 and 2022,
there were 14 bear markets in the S&P 500. Source: Chief Investment Office,
Merrill and Bank of America Private Bank, June 2022. View slide 3 of 5 View
slide 4 of 5 View slide 5 of 5
Previous slide
Next slide
View slide 1 of 5 View slide 2 of 5 View slide 3 of 5. A sudden need for cash.
58% of Americans are concerned about the amount they have in emergency savings.
Source: Bankrate, June 2022. View slide 4 of 5 View slide 5 of 5
Previous slide
Next slide
View slide 1 of 5 View slide 2 of 5 View slide 3 of 5 View slide 4 of 5.
Major medical expenses. 24% of Americans have medical or dental bills that are
past due or that they are unable to pay. Source: Kaiser Family Foundation, June
2022. View slide 5 of 5
Previous slide
Next slide
View slide 1 of 5 View slide 2 of 5 View slide 3 of 5 View slide 4 of 5 View
slide 5 of 5. Disability, divorce or a death in the family. After age 50, income
decline after divorce is 41% for women and 23% for men. Source: US Government
Accountability Office, 2020.
WHAT IF YOU HAVE A SUDDEN NEED FOR CASH?
"We never want to be in a situation where we have to take steps such as
liquidating assets at an undesirable time in the market or running up credit
card debt to pay bills," says Scholl. A strategy that accounts for unexpected
liquidity needs can help preserve your finances against a job loss or an
unexpected expense.
Ways to prepare: An emergency fund is a key component of any cash-management
strategy, notes Scholl. Review several months' worth of recent expenses to
determine ways you can have liquidity readily available should you need to fund
an emergency need.
If appropriate, consider a team of Bank of America lending specialists to help
identify potential alternate funding sources. For surprise big-ticket expenses —
say, a home renovation that runs $30,000 over budget — two alternatives that
could potentially be considered are making use of the equity in your home or
borrowing against your securities, suggests Scholl.
WHAT IF YOU'RE FACED WITH MAJOR MEDICAL EXPENSES?
Almost half of Americans — 47% — say they find paying for health care difficult,
according to the Kaiser Family Foundation.Footnote 1 Post-retirement, the costs
can be even steeper.
Ways to prepare: Check if your employer offers a tax-advantaged account such as
a flexible savings account (FSA) or health savings account (HSA), which allow
you to pay for health care expenses with pre-tax funds. The HSA — available only
for those with high-deductible health plans — can be particularly valuable
because any unused funds can continue to be held in the HSA until your death
(and in some cases beyond) and earnings can grow tax-free. "Instead of dipping
into your IRAs to pay medical bills in retirement and paying income taxes on
those withdrawals, you can tap an HSA tax-free for medical expenses," says Paul
Galliano, senior vice president, Retirement & Benefit Plan Services for Bank of
America.
Finally, plan for the worst-case scenario. "Seven out of 10 Americans over the
age of 65 will have some health event for which long-term care is
necessary,Footnote 2 and the cost can decimate savings," says Robert Murray,
director, insurance relationship manager, Retirement and Personal Wealth
Solutions at Bank of America. "Long-term care insurance could potentially
preserve not only your wealth but also that of your children, who often shoulder
the costs of caring for aging parents."
Seven out of 10 Americans over the age of 65 will have some health event for
which long-term care is necessary,Footnote 2 and the cost can decimate savings.
— Robert Murray,
director, insurance relationship manager,
Retirement and Personal Wealth Solutions at Bank of America
WHAT IF THERE'S DISABILITY, DIVORCE OR A DEATH IN THE FAMILY?
Nobody wants to think about, let alone plan for, a dramatic change in your
household's income resulting from a significant life event like disability,
divorce or an untimely death in the family. But given the high stakes, planning
for these risks can be crucial to the future well-being of your loved ones.
Ways to prepare: When it comes to disability, insurance can be a crucial
consideration. Find out whether your employer offers disability income
insurance. Then assess whether this benefit provides enough income protection
for your family in case you're temporarily unable to work because of an accident
or health event. If it isn't available, you may want to consider purchasing your
own policy to replace your income, or at least a portion of it.
In the event of a marital split, be aware that the laws governing the division
of property in a divorce vary from state to state, but keeping an up-to-date
inventory of your household assets and debts can help you divide them equitably.
In advance of remarrying, you might consider setting up a trust to help protect
your family, says Jennifer Galvagna, head of Trust Solutions, Bank of America
Private Bank. Doing so enables you to help ensure that children from the prior
marriage are not overlooked as the eventual beneficiaries of your estate, while
also providing lifetime support to a surviving spouse.
A trust can also offer other benefits as you plan your estate: setting one up
allows you to distribute an inheritance to a child at set intervals, rather than
providing an outright distribution, which may not be appropriate because of the
child's age or other factors. And as you age, a trust can help ensure the
uninterrupted availability of assets for your care should you become mentally or
physically incapacitated, says Galvagna. "A trustee can step in and pay medical
and long-term care bills if needed, as well as manage all other aspects of your
financial life and estate."
Finally, a death benefit from a life insurance policy can help to keep your
family solvent should you or your spouse die prematurely.
It's important to take the time to review investments regularly and adjust
according to your time horizon.
— Lauren Sanfilippo,
an investment strategist in the Chief Investment Office,
Merrill and Bank of America Private Bank
WHAT IF THERE'S A BEAR MARKET?
It's hard to watch your savings shrink at any age. But bear markets may be the
riskiest for investors who need to start withdrawing from their savings soon,
perhaps to pay for college tuition or to fund retirement.
Ways to prepare: First, make sure that your portfolio is well diversified. This
means increasing diversification across asset classes, within asset classes and
across geographies. "A wider breadth of investments may provide an expanded
opportunity set for investment opportunities, while potentially helping minimize
losses to your overall portfolio and preserve wealth," says Sanfilippo.
It's important to take the time to review investments regularly and adjust
according to your time horizon, says Sanfilippo. For instance, a college-savings
portfolio may be invested for maximum growth when college is 18 years away, but
it may be better off shifted to all cash when college is imminent to help reduce
the risk of a market — and savings — drop. An advisor can suggest a strategy
that's appropriate for your age, goals, liquidity needs and ability to handle
risk.
In fact, you can work with an advisor to address any number of risks that can
potentially threaten your financial security, adds Scholl. Together, you can put
plans in place to help prepare for nearly any eventuality.
SUGGESTED FOR YOU
* Connect with a Merrill advisor today
* Education costs, retirement savings and more — pursuing all your financial
goals can sometimes seem overwhelming. Consider this 5-step process to help
you pursue them all your financial goals.
* If life throws you a curveball, an emergency fund can help you preserve your
retirement savings and avoid taking on debt. These tips can help you
prepare an emergency fund.
Share:
Footnote 1 "Americans' Challenges with Health Care Costs," Kaiser Family
Foundation, July 14, 2022.
Footnote 2 U.S. Department of Health and Human Services, "How Much Care Will You
Need?" 2020.
Important Disclosures
Opinions are as of 10/07/22 and are subject to change.
This information should not be construed as investment advice and is subject to
change. It is provided for informational purposes only and is not intended to be
either a specific offer by Bank of America, Merrill or any affiliate to sell or
provide, or a specific invitation for a consumer to apply for, any particular
retail financial product or service that may be available.
The Chief Investment Office (CIO) provides thought leadership on wealth
management, investment strategy and global markets; portfolio management
solutions; due diligence; and solutions oversight and data analytics. CIO
viewpoints are developed for Bank of America Private Bank, a division of Bank of
America, N.A., ("Bank of America") and Merrill Lynch, Pierce, Fenner & Smith
Incorporated ("MLPF&S" or "Merrill"), a registered broker-dealer, registered
investment adviser and a wholly owned subsidiary of Bank of America Corporation
("BofA Corp.").
Bank of America Private Bank is a division of Bank of America, N.A., Member FDIC
and a wholly owned subsidiary of Bank of America Corporation. Trust and
fiduciary services are provided by wholly owned banking affiliates of BofA
Corp., including Bank of America, N.A.
Bank of America is a marketing name for the Retirement Services business of Bank
of America Corporation ("BofA Corp.").
Asset allocation, diversification and rebalancing do not ensure a profit or
protect against loss in declining markets.
Credit and collateral subject to approval. Terms and conditions apply. Programs,
rates, terms and conditions subject to change without notice.
Long-term care insurance coverage contains benefits, exclusions, limitations,
eligibility requirements and specific terms and conditions under which the
insurance coverage may be continued in force or discontinued. Not all insurance
policies and types of coverage may be available in your state.
All guarantees and benefits of the insurance policy are backed by the
claims-paying ability of the issuing insurance company. They are not backed by
Merrill or its affiliates, nor does Merrill or its affiliates make any
representations or guarantees regarding the claims-paying ability of the issuing
insurance company.
MAP5274225-12202023
Ready to get started?
Open an account
888.637.3343
Find a local Merrill
Financial Solutions Advisor
YOU MIGHT ALSO BE INTERESTED IN
* Life Priorities: Invest for what matters most to you
* Life Events: Prepare for the events that may affect your finances
TOOLS & CALCULATORS
* Cash Flow Estimator
Locations Call us at
888.637.3343 Schedule an
appointment
Investing in securities involves risks, and there is always the potential of
losing money when you invest in securities.
Asset allocation, diversification, and rebalancing do not ensure a profit or
protect against loss in declining markets.
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.
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, Member Securities Investor Protection (SIPC) popup and a
wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly
owned subsidiary of BofA Corp.
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 Client Relationship Summary
(Form CRS) (PDF).
Banking products are provided by Bank of America, N.A. and affiliated banks,
Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
Investment products offered through MLPF&S and insurance and annuity products
offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are
Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking
Service or Activity
Privacy | Security | CA Opt-Out Preference Signals Honored
© 2023 Bank of America Corporation. All rights reserved.
4326521
I'D LIKE TO
* Plan for Retirement
* Plan for College
* Create an Emergency Fund
* Create an Investment Strategy
* Open an Account with Merrill
DISCOVER MERRILL
* Why Merrill
* Pricing
* Relationship details and fees
* Preferred Rewards
* Mobile Investing
* Online Trading
* Careers
* Awards & Recognition
CONTACT US
888.637.3343
To find the small business
retirement plan that works
for you, contact:
franchise@bankofamerica.com
Connect with us:
UNLIMITED $0 TRADES
With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option
trades with no trade or balance minimumsFooter footnote b
Options contracts and other fees may applyFooter footnote a
Open an account with Merrill Edge Self-Directed
Copyright 2023 FactSet. All rights reserved.
Footer footnote
a Other fees may apply. Free and $0 means there is no commission charged for
these trades. $0 option trades are subject to a $0.65 per-contract fee. Sales
are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of
principal. There are costs associated with owning ETFs. To learn more about
Merrill pricing, visit our Pricing page.
Footer footnote
b Merrill waives its commissions for all online stock, ETF and option trades
placed in a Merrill Edge® 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.
Investing in securities involves risks, and there is always the potential of
losing money when you invest in securities.
Asset allocation, diversification, and rebalancing do not ensure a profit or
protect against loss in declining markets.
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.
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.
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.
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.
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.
Expense Ratio – 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.
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 Client Relationship Summary
(PDF).
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.
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, Member Securities Investor Protection (SIPC) popup and a
wholly owned subsidiary of Bank of America Corporation ("BofA Corp").
Banking products are provided by Bank of America, N.A. and affiliated banks,
Members FDIC and wholly owned subsidiaries of Bank of America Corporation ("BofA
Corp.").
Merrill Lynch Life Agency Inc. (MLLA) is a licensed insurance agency and wholly
owned subsidiary of BofA Corp.
Investment products offered through MLPF&S and insurance and annuity products
offered through MLLA:
Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are
Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking
Service or Activity
Privacy | Security | Site Map | Software Requirements | Routing &
Executions | Relationship Details & Fees | Web Accessibility | Advertising
Practices
Forms & Applications | Legal Information | Business Continuity | Deposit Account
& Money Fund Rates (PDF) | Bank of America Newsroom
Merrill Edge Report | Client Relationship Summary (Form CRS) (PDF) | CA Opt-Out
Preference Signals Honored
Merrill A Bank of America Company Merrill A Bank of America Company
© 2023 Bank of America Corporation. All rights reserved.
4326521
(TX22********1V)
SHARING AND SELLING OF PERSONAL INFORMATION
California residents covered by the California Consumer Privacy Act have the
right to opt-out from the “sale” or “sharing” of their personal information via
browser-enabled opt-out preference signals. While we do not “sell” or “share”
personal information of California residents, Bank of America treats opt-out
preference signals as valid requests to opt-out of sale/sharing for the browser.
For more information, please see our CCPA Notice.
CCPA Notice
Strictly Necessary
STRICTLY NECESSARY
These cookies are necessary to function and cannot be switched off in our
systems. Without these cookies, this site will not work properly. Examples
include setting your privacy preferences, setting your language preferences or
logging into a secured area requiring authentication. They may also detect
transmission errors, data loss or distribute network traffic across different
servers to ensure accessibility.
Sharing and Selling of Personal Information
SHARING AND SELLING OF PERSONAL INFORMATION
CA Opt-Out Preference Signals Honored
Back Button
BACK
Search Icon
Filter Icon
Clear
checkbox label label
Apply Cancel
Consent Leg.Interest
checkbox label label
checkbox label label
checkbox label label
Close