www.merrilledge.com
Open in
urlscan Pro
171.159.124.109
Public Scan
Submitted URL: https://click.updates.bofa.com/u/?qs=abee425f22fc3f977e45f275de54865670eeaa796ef4960c265588c4e8e5c714040a17f0615923f8d36bb2b18e...
Effective URL: https://www.merrilledge.com/article/secure-act-2-summary
Submission: On May 25 via api from US — Scanned from DE
Effective URL: https://www.merrilledge.com/article/secure-act-2-summary
Submission: On May 25 via api from US — Scanned from DE
Form analysis 3 forms found in the DOM
POST ../m/pages/article.aspx?title=secure-act-2-summary
<form method="post" action="../m/pages/article.aspx?title=secure-act-2-summary" 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": "secure-act-2-summary",
"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": "b3e3a0b1-4f19-4a18-9b2a-be05e88cabd3",
"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=20230504919" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/WM/TM/ge_configuration_min.js?ts=20230504919" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/WM/TM/GE_V4.js?ts=20230504919" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/CommonComponents_min.js?ts=20230504919" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/GE_Combined_min.js?ts=20230504919" type="text/javascript"></script>
<script src="https://tmui2k8.fs.ml.bac-assets.com/sve/js/v4/gl/Platform_min.js?ts=20230504919" 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" data-aaclickevent="true">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="/" data-aaclickevent="true">
<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" data-aaclickevent="true"><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" data-aaclickevent="true">Locations</a>
<span>|</span>
<a id="jq_AboutUs" href="https://about.bankofamerica.com/en" target="_blank" data-aaclickevent="true">About Us</a>
<span>|</span>
<a id="jq_helpAndSupport" href="/help-support" data-aaclickevent="true">Help</a>
<span>|</span>
<a href="https://olui2.fs.ml.com/login/login.aspx?sgt=3" target="_self" name="ULinksLogin" id="ULinksLogin" data-aaclickevent="true">Login</a>
<span>|</span>
<a href="https://www.ml.com/privacy-and-security-center/privacy-and-security.html" target="_blank" class="indent" data-aaclickevent="true">Privacy</a>
<span>|</span>
<a href="https://www.ml.com/privacy-and-security-center/how-we-protect-you.html" target="_blank" class="indent" data-aaclickevent="true">Security</a>
<span>|</span>
<a href="https://www.ml.com/legal.html" target="_blank" class="first" data-aaclickevent="true">Legal Information</a>
<a id="ULinksOAO" class="cta orange s" href="/global-oao" data-aaclickevent="true">
<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" data-aaclickevent="true"><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="" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true"><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" data-aaclickevent="true">Pricing & Fees</a></li>
<li id="nav2_col1WhyEdge" class="" style="left:;"><a href="/preferred-rewards" data-aaclickevent="true">BofA Preferred Rewards</a></li>
<li id="nav7_col1WhyEdge" class="" style="left:;"><a href="/research/perspectives" data-aaclickevent="true">Insights</a></li>
<li id="nav3_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/banking-and-investing-connected" data-aaclickevent="true">Investing & Banking Connected</a></li>
<li id="nav4_col1WhyEdge" class="" style="left:;"><a href="/mobile-investing" data-aaclickevent="true">Mobile Investing</a></li>
<li id="nav5_col1WhyEdge" class="" style="left:;"><a href="/sustainable-investing" data-aaclickevent="true">Sustainable Investing</a></li>
<li id="nav6_col1WhyEdge" class="" style="left:;"><a href="/why-merrill/awards-ratings" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">Merrill Edge<sup>®</sup> Self-Directed</a></li>
<li id="nav2_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-guided-investing" data-aaclickevent="true">Merrill Guided Investing</a></li>
<li id="nav3_sub1col1INT" class="" style="left:;"><a href="/investing/merrill-investment-advisor" data-aaclickevent="true">Invest with an Advisor</a></li>
<li id="nav4_sub1col1INT" class="" style="left:;"><a href="/investing/ways-to-manage-investments" data-aaclickevent="true">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" data-aaclickevent="true">General Investing</a></li>
<li id="nav3_col2INT" class="" style="left:;"><a href="/education-savings" data-aaclickevent="true">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" data-aaclickevent="true">Stocks</a></li>
<li id="nav2_sub1col2INT" class="" style="left:;"><a href="/investing/mutual-funds" data-aaclickevent="true">Mutual Funds</a></li>
<li id="nav3_sub1col2INT" class="" style="left:;"><a href="/investing/etf" data-aaclickevent="true">ETFs</a></li>
<li id="nav4_sub1col2INT" class="" style="left:;"><a href="/investing/fixed-income-bonds" data-aaclickevent="true">Fixed Income & Bonds</a></li>
<li id="nav5_sub1col2INT" class="" style="left:;"><a href="/investment-products/options" data-aaclickevent="true">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" data-aaclickevent="true">Margin Trading</a></li>
<li id="nav2_col3INT" class="" style="left:;"><a href="/investing/best-execution-trading" data-aaclickevent="true">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" data-aaclickevent="true">Idea Builder</a></li>
<li id="nav2_sub1col3INT" class="" style="left:;"><a href="/dashboard" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">Personal Retirement Calculator</a></li>
<li id="nav2_sub1col1GNR" class="" style="left:;"><a href="/college-savings/college-cost-calculator" data-aaclickevent="true">College Cost Calculator</a></li>
<li id="nav3_sub1col1GNR" class="" style="left:;"><a href="/retirement/ira/selector-tool" data-aaclickevent="true">IRA Selector</a></li>
<li id="nav4_sub1col1GNR" class="" style="left:;"><a href="/retirement/401k-rollover-calculator" data-aaclickevent="true">401(k) Rollover Calculator</a></li>
<li id="nav5_sub1col1GNR" class="" style="left:;"><a href="/college-savings/529-state-tax-calculator" data-aaclickevent="true">529 Plan State Tax Calculator</a></li>
<li id="nav6_sub1col1GNR" class="" style="left:;"><a href="/guidance/tools" data-aaclickevent="true">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" data-aaclickevent="true">New to Investing</a></li>
<li id="nav3_col3GNR" class="" style="left:;"><a href="/college-savings" data-aaclickevent="true">Plan for College</a></li>
<li id="nav4_col3GNR" class="" style="left:;"><a href="/guidance/tax-planning " data-aaclickevent="true">Tax Planning</a></li>
<li id="nav5_col3GNR" class="" style="left:;"><a href="/guidance/life-stages" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">Rollover</a></li>
<li id="nav5_Col1RES" class="" style="left:;"><a href="/retirement/traditional-ira" data-aaclickevent="true">Traditional IRA</a></li>
<li id="nav4_Col1RES" class="" style="left:;"><a href="/retirement/roth-ira" data-aaclickevent="true">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" data-aaclickevent="true">Plan for Retirement</a></li>
<li id="nav2_Col1Sub1RES" class="" style="left:;"><a href="/guidance/tools/retirement" data-aaclickevent="true">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" data-aaclickevent="true">Small Business 401(k)</a></li>
<li id="nav2_Col2RES" class="" style="left:;"><a href="/small-business/individual-401k" data-aaclickevent="true">Individual 401(k)</a></li>
<li id="nav3_Col2RES" class="" style="left:;"><a href="/small-business/sep-ira" data-aaclickevent="true">SEP IRA</a></li>
<li id="nav4_Col2RES" class="" style="left:;"><a href="/small-business/simple-ira" data-aaclickevent="true">SIMPLE IRA</a></li>
<li id="nav5_Col2RES" class="" style="left:;"><a href="/small-business" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">Investing Webinars</a></li>
<li id="nav4_col1EDU" class="" style="left:;"><a href="/morningstar-classroom-stocks" data-aaclickevent="true">Morningstar Classroom</a></li>
<li id="nav2_col1EDU" class="" style="left:;"><a href="/investor-education/videos" data-aaclickevent="true">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" data-aaclickevent="true">Stocks</a></li>
<li id="nav5_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-mutual-funds" data-aaclickevent="true">Mutual Funds</a></li>
<li id="nav4_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-etfs" data-aaclickevent="true">ETFs</a></li>
<li id="nav6_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-bonds" data-aaclickevent="true">Fixed Income & Bonds</a></li>
<li id="nav2_col2EDU" class="" style="left:;"><a href="/investor-education/options-education" data-aaclickevent="true">Options</a></li>
<li id="nav7_col2EDU" class="" style="left:;"><a href="/investor-education/understanding-annuities" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">Schedule an appointment</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." data-aaclickevent="true">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" data-aaclickevent="true"><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" data-aaclickevent="true"><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);" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Traditional Inherited IRA</a></li>
<li id="nav2_subcol4OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/RoleSelection.aspx?AccountType=RothIRA" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Merrill Guided Investing</a></li>
<li id="nav2_Subcol2OAA" class="" style="left:;"><a href="/guided-investing" data-aaclickevent="true">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');" data-aaclickevent="true">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');" data-aaclickevent="true">Individual 401(k)</a>
</li>
<li id="nav3_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SEPIRA" data-aaclickevent="true">SEP IRA</a></li>
<li id="nav4_Subcol3OAA" class="" style="left:;"><a href="https://olui2.fs.ml.com/OAO1/BeforeYouBeginA.aspx?accounttype=SimpleIRA" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">
<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" data-aaclickevent="true">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" data-aaclickevent="true">Login</a>
</div>
<div id="topmenu">
<a name="Menu_header" id="Menu_header" class="burger-open txt-brand-m" href="#" data-aaclickevent="true"><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" data-aaclickevent="true">Why Merrill</a>
<ul class="level2" aria-hidden="true" id="content-1">
<li><a name="NavWhyMerrill" id="NavWhyMerrill" href="/why-merrill" data-aaclickevent="true">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-1a" aria-expanded="false" id="accordion-control-1a" data-aaclickevent="true">How Are We Different?</a>
<ul class="level3" aria-hidden="true" id="content-1a">
<li><a name="NavPricing" id="NavPricing" href="/pricing" data-aaclickevent="true">Pricing & Fees</a></li>
<li><a name="NavPR" id="NavPR" href="/preferred-rewards" data-aaclickevent="true">BofA Preferred Rewards</a></li>
<li><a name="NavInsights" id="NavInsights" href="/research/perspectives" data-aaclickevent="true">Insights</a></li>
<li><a name="NavBBI" id="NavBBI" href="/why-merrill/banking-and-investing-connected" data-aaclickevent="true">Investing & Banking Connected</a></li>
<li><a name="NavMobile" id="NavMobile" href="/mobile-investing" data-aaclickevent="true">Mobile Investing</a></li>
<li><a name="NavESG" id="NavESG" href="/sustainable-investing" data-aaclickevent="true">Sustainable Investing</a></li>
<li><a name="NavAwards" id="NavAwards" class="noborder" href="/why-merrill/awards-ratings" data-aaclickevent="true">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" data-aaclickevent="true">Invest</a>
<ul class="level2" aria-hidden="true" id="content-2">
<li><a name="NavInvesting" id="NavInvesting" href="/investing" data-aaclickevent="true">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-2a" aria-expanded="false" id="accordion-control-2a" data-aaclickevent="true">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" data-aaclickevent="true">Merrill Edge<sup>®</sup> Self-Directed</a></li>
<li><a name="NavMGI" id="NNavMGI" href="/investing/merrill-guided-investing" data-aaclickevent="true">Merrill Guided Investing</a></li>
<li><a name="NavMEAC" id="NavMEAC" href="/investing/merrill-investment-advisor" data-aaclickevent="true">Investing with an Advisor</a></li>
<li><a name="NavWays" id="NavWays" href="/investing/ways-to-manage-investments" data-aaclickevent="true">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" data-aaclickevent="true">Investment Accounts</a>
<ul class="level3" aria-hidden="true" id="content-2b">
<li><a name="NavBrokerage" id="NavBrokerage" href="/investing/brokerage-accounts" data-aaclickevent="true">General Investing</a></li>
<li><a name="NavEdu" id="NavEdu" href="/education-savings" data-aaclickevent="true">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" data-aaclickevent="true">Investment Products</a>
<ul class="level3" aria-hidden="true" id="content-2c">
<li><a name="NavStocks" id="NavStocks" href="/investing/stocks" data-aaclickevent="true">Stocks</a></li>
<li><a name="NavMFs" id="NavMFs" href="/investing/mutual-funds" data-aaclickevent="true">Mutual Funds</a></li>
<li><a name="NavETFs" id="NavETFs" href="/investing/etf" data-aaclickevent="true">ETFs</a></li>
<li><a name="NavFixed" id="NavFixed" href="/investing/fixed-income-bonds" data-aaclickevent="true">Fixed Income & Bonds</a></li>
<li><a name="NavOptions" id="NavOptions" href="/investment-products/options" data-aaclickevent="true">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" data-aaclickevent="true">Active Trading</a>
<ul class="level3" aria-hidden="true" id="content-2d">
<li><a name="NavMargin" id="NavMargin" href="/investing/margin-trading" data-aaclickevent="true">Margin Trading</a></li>
<li><a name="NavOEQ" id="NavOEQ" href="/investing/order-execution-trading" data-aaclickevent="true">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" data-aaclickevent="true">Investment Tools</a>
<ul class="level3" aria-hidden="true" id="content-2e">
<li><a name="NavIdea" id="NavIdea" href="/idea-builder" data-aaclickevent="true">Idea Builder</a></li>
<li><a name="NavMEMP" id="NavMEMP" class="noborder" href="/dashboard" data-aaclickevent="true">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" data-aaclickevent="true">Plan</a>
<ul class="level2" aria-hidden="true" id="content-3">
<li><a name="NavGuidance" id="NavGuidance" href="/guidance" data-aaclickevent="true">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-3a" aria-expanded="false" id="accordion-control-3a" data-aaclickevent="true">Tools</a>
<ul class="level3" aria-hidden="true" id="content-3a">
<li><a name="NavPRC" id="NavPRC" href="/retirement/personal-retirement-calculator" data-aaclickevent="true">Personal Retirement Calculator</a></li>
<li><a name="NavCCC" id="NavCCC" href="/college-savings/college-cost-calculator" data-aaclickevent="true">College Cost Calculator</a></li>
<li><a name="NavIST" id="NavIST" href="/retirement/ira/selector-tool" data-aaclickevent="true">IRA Selector</a></li>
<li><a name="Nav401kTool" id="Nav401kTool" href="/retirement/401k-rollover-calculator" data-aaclickevent="true">401(k) Rollover Tool</a></li>
<li><a name="Nav529Calc" id="Nav529Calc" href="/college-savings/529-state-tax-calculator" data-aaclickevent="true">529 Plan State Tax Calculator</a></li>
<li><a name="NavAllTools" id="NavAllTools" href="/guidance/tools" data-aaclickevent="true">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" data-aaclickevent="true">Life Planning</a>
<ul class="level3" aria-hidden="true" id="content-3b">
<li><a name="NavStartInv" id="NavStartInv" href="/guidance/start-investing" data-aaclickevent="true">New to Investing</a></li>
<li><a name="NavCollege" id="NavCollege" href="/college-savings" data-aaclickevent="true">Plan for College</a></li>
<li><a name="NavTax" id="NavTax" href="/guidance/tax-planning" data-aaclickevent="true">Tax Plannning</a></li>
<li><a name="NavStages" id="NavStages" class="noborder" href="/guidance/life-stages" data-aaclickevent="true">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" data-aaclickevent="true">Retirement</a>
<ul class="level2" aria-hidden="true" id="content-4">
<li><a name="NavRet" id="NavRet" href="/retirement" data-aaclickevent="true">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-4a" aria-expanded="false" id="accordion-control-4a" data-aaclickevent="true">Solutions</a>
<ul class="level3" aria-hidden="true" id="content-4a">
<li><a name="NavRollover" id="NavRollover" href="/retirement/rollover-ira" data-aaclickevent="true">Rollover</a></li>
<li><a name="NavTrad" id="NavTrad" href="/retirement/traditional-ira" data-aaclickevent="true">Traditional IRA</a></li>
<li><a name="NavRoth" id="NavRoth" href="/retirement/roth-ira" data-aaclickevent="true">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" data-aaclickevent="true">Retirement Resources</a>
<ul class="level3" aria-hidden="true" id="content-4b">
<li><a name="NavRetPlan" id="NavRetPlan" href="/retirement-planning" data-aaclickevent="true">Plan for Retirement</a></li>
<li><a name="NavRetTools" id="NavRetTools" href="/guidance/tools/retirement" data-aaclickevent="true">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" data-aaclickevent="true">Small Business</a>
<ul class="level3" aria-hidden="true" id="content-4c">
<li><a name="NavSB401k" id="NavSB401k" href="/small-business/401k" data-aaclickevent="true">Small Business 401(k)</a></li>
<li><a name="Nav401k" id="Nav401k" href="/small-business/individual-401k" data-aaclickevent="true">Individual 401(k)</a></li>
<li><a name="NavSEP" id="NavSEP" href="/small-business/sep-ira" data-aaclickevent="true">SEP IRA</a></li>
<li><a name="NavSIMPLE" id="NavSIMPLE" href="/small-business/simple-ira" data-aaclickevent="true">SIMPLE IRA</a></li>
<li><a name="NavSB_All" id="NavSB_All" class="noborder" href="/small-business" data-aaclickevent="true">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" data-aaclickevent="true">Learn</a>
<ul class="level2" aria-hidden="true" id="content-5">
<li><a name="NavLearn" id="NavLearn" href="/investor-education" data-aaclickevent="true">Overview</a></li>
<li><a href="javascript:void(0);" class="linkL2 closed" aria-controls="content-5a" aria-expanded="false" id="accordion-control-5a" data-aaclickevent="true">Resources</a>
<ul class="level3" aria-hidden="true" id="content-5a">
<li><a name="NavWebinars" id="NavWebinars" href="/investingwebinars/overview" data-aaclickevent="true">Investing Webinars</a></li>
<li><a name="NavMorn" id="NavMorn" href="/morningstar-classroom-stocks" data-aaclickevent="true">Morningstar Classroom</a></li>
<li><a name="NavVideos" id="NavVideos" href="/investor-education/videos" data-aaclickevent="true">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" data-aaclickevent="true">Products Overview</a>
<ul class="level3" aria-hidden="true" id="content-5b">
<li><a name="NavStocksLearn" id="NavStocksLearn" href="/investor-education/understanding-stocks" data-aaclickevent="true">Stocks</a></li>
<li><a name="NavMFsLearn" id="NavMFsLearn" href="/investor-education/understanding-mutual-funds" data-aaclickevent="true">Mutual Funds</a></li>
<li><a name="NavETFsLearn" id="NavETFsLearn" href="/investor-education/understanding-etfs" data-aaclickevent="true">ETFs</a></li>
<li><a name="NavFixedLearn" id="NavFixedLearn" href="/investor-education/understanding-bonds" data-aaclickevent="true">Fixed Income & Bonds</a></li>
<li><a name="NavOptionsLearn" id="NavOptionsLearn" href="/investor-education/options-education" data-aaclickevent="true">Options</a></li>
<li><a name="NavAnnuitiesLearn" id="NavAnnuitiesLearn" href="/investor-education/understanding-annuities" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">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/" data-aaclickevent="true">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." data-aaclickevent="true"><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" data-aaclickevent="true"><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 = 'SECURE Act 2.0 offers powerful new ways to save more for retirement';
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);" data-aaclickevent="true">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">SECURE Act 2.0 offers powerful new ways to save more for retirement</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');" data-aaclickevent="true"><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');" data-aaclickevent="true"><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');" data-aaclickevent="true"><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" data-aaclickevent="true"></a>
</span>
</div>
<div class="font-resizer"> Text size: <a rel="txt-100pc" class="txt-16 fr-selected" href="javascript:void(0);" data-aaclickevent="true">aA</a>
<a rel="txt-115pc" class="txt-18" href="javascript:void(0);" data-aaclickevent="true">aA</a>
<a rel="txt-125pc" class="txt-20" href="javascript:void(0);" data-aaclickevent="true">aA</a>
</div>
</div>
<style>
.thumbnail-text {
display: inline;
float: left;
width: 395px;
}
.thumbnail-img {
display: inline;
float: left;
margin-right: 15px;
width: 180px;
}
.pq-head-shot-drossman {
/* for a 114 x 140 image */
display: block;
min-height: 120px;
background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-mitchell-drossman-thumbnail.jpeg);
background-repeat: no-repeat;
background-color: #f9f7f4;
padding: 10px 10px 10px 124px;
margin-bottom: 5px;
}
.pq-head-shot-greenberg {
/* for a 114 x 140 image */
display: block;
min-height: 120px;
background-image: url(/Publish/Content/image/jpeg/GWMOL/ME-debra-greenberg-thumbnail-image.jpeg);
background-repeat: no-repeat;
background-color: #f9f7f4;
padding: 10px 10px 10px 124px;
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;
}
h3.header3 {
border-bottom: 0px ! important;
color: #666 ! important;
display: inline ! important;
font-size: 16px ! important;
font-weight: 700 ! important;
margin: 0px ! important;
}
/* ADA Image styles begin */
.ImgADA {
background-color: #F5F5F5;
border: 0px;
color: #333;
font-family: 'connections', Arial, Helvetica, sans-serif;
font-size: 16px;
margin: 0 0 30px 0;
max-width: 590px;
padding: 25px 25px 18px 25px;
}
h3.ImgADAT {
border: 0 ! important;
color: #012169 ! important;
font-size: 24px ! important;
font-weight: 700;
line-height: 26px;
margin: 0;
padding: 0 0 10px 0;
}
.ImgADAS {
font-weight: 400;
padding: 0 0 15px 0;
}
.ImgADAF {
color: #646464;
font-size: 12px;
}
/* ADA Image styles end */
@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-secure-act-2-summary-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">Here's what you need to know about the recently passed law that could revolutionize retirement planning for people of all ages</div>
</div>
</div>
<div class="mb-15">If you're looking for ways to improve your retirement readiness (and who isn't?), there's a sweeping bill to help you start earlier, save longer and make up for lost time. All told, the
<a href="https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/SECURE20ML.pdf" target="_blank" name="SECURE2ActPDF" id="SECURE2ActPDF" rel="nofollow" data-aaclickevent="true">SECURE 2.0 Act of 2022 (PDF)</a>,
signed into law last December, contains about 90 provisions, many of which make major changes to existing retirement savings rules.</div>
<div class="mb-30">"A quarter of working Americans have nothing saved for <span class="nowrap">retirement.<span class="adahidden">Footnote </span><sup>1</sup></span> The new regulations are designed to encourage
increased plan participation and savings," notes Mitchell Drossman, head of National Wealth Strategies in the Chief Investment Office (CIO) for Merrill and Bank of America Private Bank.</div>
<!-- Pullquote with headshot -->
<div class="pq-head-shot-drossman">
<div class="txt-brand txtDigitalGray txt-16 lead-24">"A quarter of working Americans have nothing saved for <span class="nowrap">retirement.<span class="adahidden">Footnote </span><sup>1</sup></span> The new
regulations are designed to encourage increased plan participation and savings."</div>
</div>
<div class="txt-12 txt-r lead-14 pb-30"><em>— Mitchell Drossman,<br> head of National Wealth Strategies,<br> Chief Investment Office,<br> Merrill and Bank of America Private Bank</em></div>
<div class="mb-20">"While some changes happen immediately, others take effect over the next several years," says Debra Greenberg, director, Personal Retirement Product Management at Bank of America. "Still, it's a good
idea to evaluate <a href="/article/how-much-do-you-really-need-to-save-for-retirement" id="RtrTarget" name="RtrTarget" data-aaclickevent="true">whether you're saving enough for retirement</a> and speak with your tax
specialist about how you might be able to take advantage of the new law's provisions." Here are some highlights to consider, depending on your stage of life or situation:</div>
</section>
<!-- Section -->
<section class="article-section" id="section1">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption">Just starting out?</span></h2>
<div class="mb-30">
<h3 class="header3">Beginning in 2025, you may find yourself automatically enrolled in a company retirement plan.</h3> To help boost retirement savings, SECURE 2.0 requires companies that established retirement plans
after the enactment of the SECURE 2.0 Act on December 29, 2022 to begin automatically enrolling eligible employees in 2025. While you may choose to opt out, "automatic enrollment drives home the importance of saving
early and often," Greenberg says. "Even a small difference in the amount you save early in your career can make a big difference over time." The chart below may help you set a long-term goal for yourself.
</div>
<!-- Branded Image -->
<div class="ImgADA">
<h3 class="ImgADAT">How much should you be saving for retirement?</h3>
<div class="ImgADAS">With findings based on Bank of America's Financial Wellness Tracker — a proprietary assessment that calculates a financial wellness score based on where an employee is today (password required) —
consider using the following savings multiples as guidance for replacing your income in retirement:</div>
<div class="pb-15" style="display: flex; justify-content: center;"><img style="max-width: 100%" src="/Publish/Content/image/png/GWMOL/ME-chart-how-much-should-you-be-saving.png"
alt="Graphic shows how much the best savers and investors have set aside as a proportion of their current salary. For those ages 18-25, the amount is 0.1 times their current salary; for those ages 26-30, the amount is 0.7 times their current salary; for those ages 31-35, the amount is 1.4 times their current salary; for those ages 36-40, the amount is 2.2 times their current salary; for those ages 41-45, the amount is 3.1 times their current salary; for those ages 46-50, the amount is 4.2 times their current salary; for those ages 51-55, the amount is 5.4 times their current salary; for those ages 56-60, the amount is 6.8 times their current salary; for those ages 61-64, the amount is 8.2 times their current salary."
pxname="eta__section1__div-3_div-3_img-1" id="eta__section1__div-3_div-3_img-1"></div>
<div class="ImgADAF">Source: Bank of America, "Financial Wellness: 2020 Retirement savings guidance," 2020. Note: Calculations are based on obtaining 38% of income replacement from retirement savings (pre-tax) for
middle income households of $40,000 to $100,000 annually.</div>
</div>
<div class="mb-15">
<h3 class="header3">Paying off student loans? You could get help saving for retirement.</h3> "Everyone urges you to save early, but that's hard when you're repaying a sizable student loan," Greenberg says. Starting
in 2024, employers may offer matching contributions to retirement plans based on an employee's qualified student loan repayments (up to the amount an employee would be allowed to contribute on their own). While the
match isn't required, companies might find that this benefit helps attract promising candidates, she adds.
</div>
<div class="mb-30">
<h3 class="header3">Got leftover 529 education savings funds? You may be able to jumpstart your beneficiary's retirement savings.</h3> While college costs keep rising, "some students receive scholarships or grants
that could leave unspent money in a 529 Education Savings Account started for them," Greenberg notes. As of 2024, that money may be rolled directly into a Roth IRA for the beneficiary of the 529 account without
Federal income tax or the usual 10% penalty for non-education withdrawals. Among the restrictions, the 529 must have been open for 15 years and the money to be rolled over must not have been contributed within five
years of the rollover.
</div>
<!-- Pullquote with headshot -->
<div class="pq-head-shot-greenberg">
<div class="txt-brand txtDigitalGray txt-16 lead-24">"Even a small difference in the amount you save can make a big difference over time."</div>
</div>
<div class="txt-12 txt-r lead-14 pb-0"><em>— Debra Greenberg, director,<br> Personal Retirement Product Management,<br> Bank of America</em></div>
</section>
<!-- Section -->
<section class="article-section" id="section2">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption">Nearing (or in) retirement?</span></h2>
<div class="mb-15">
<h3 class="header3">Larger "catch-up" contributions can help you make up for lost time.</h3> Starting in 2025, "catch-up" provisions for savers aged 50 and over will offer an additional boost for those aged 60
through 63: they'll be able to contribute $10,000 or 150% of the standard catch-up amount (whichever is greater) to 401(k) and 403 (b) plans. For SIMPLE IRAs and SIMPLE 401(k) plans, the limits are $5,000 or 150% of
the annual catch-up contribution limit. "After 2025, these increased catch-up amounts will be indexed annually for inflation," Greenberg says. One caveat: Employees earning more than $145,000 will have to make any
contributions to a Roth plan, using post-tax rather than pre-tax dollars. Check to make sure that your plan permits catch-up contributions.
</div>
<div class="mb-15">
<h3 class="header3">You can keep money invested longer.</h3> Anyone turning 72 after January 1, 2023, can wait until age 73 before taking required minimum distributions (RMDs) from their retirement plans and IRAs.
That's up from the prior year's RMD age of 72 and 70½ in 2019. By 2033, the age will rise to 75. "The extra time allows you the opportunity to keep more of your savings invested," notes Greenberg. Another plus: The
bill reduces additional taxes for failing to take RMDs on time (to 25% of the amount of the missed distributions, down from 50%) and fixes an RMD anomaly for Roth investors. "While Roth IRAs typically don't require
RMDs, Roth 401(k) and 403(b) plans do. That requirement ends starting in 2024," Greenberg notes.
</div>
<div class="mb-20">
<h3 class="header3">Consider giving more to charity.</h3> Even as the RMD age increases, individuals can still make qualified charitable distributions (QCD) of up to $100,000 per year, starting at age 70½. To further
encourage giving, the bill calls for adjusting that amount annually for inflation, with the first adjustment coming in 2024. SECURE 2.0 also expands existing QCD rules by enabling individuals to make one-time
distributions of up to $50,000 from their IRAs to split-interest trusts such as Charitable Remainder Trusts and Charitable Gift Annuities, starting in 2023.
</div>
</section>
<!-- Section -->
<section class="article-section as-no-divider" id="section3">
<h2 class="article-sub-title" style="line-height: 30px;"><span class="ast-caption">Own a small business that doesn't offer a retirement plan?</span></h2>
<div class="mb-15">
<h3 class="header3">Here's incentive to start one.</h3> "Starting in 2023, companies with 50 or fewer employees can earn a tax credit worth 100% of administration costs, or up to $5,000 per year," Greenberg says.
"That could mean up to $15,000 in potential savings — a big number for a small employer." Previously, those businesses were eligible for the same 50% credit available to companies with up to 100 employees.
</div>
<div class="mb-20">These are just a few of the many SECURE 2.0 changes affecting retirement savings, Greenberg stresses. For more details, read
"<a href="https://mlaem.fs.ml.com/content/dam/ML/Articles/pdf/understanding-secure-act-2-0-guide.pdf" id="SECURE2ActPDF2" name="SECURE2ActPDF2" target="_blank" data-aaclickevent="true">Understanding the SECURE Act of 2022 (PDF)</a>."
Then try <a href="/retirement/personal-retirement-calculator" id="RtrCalculator" name="RtrCalculator" data-aaclickevent="true">Merrill's Personal Retirement Calculator</a> to find out if you're on track for
retirement. And be sure to consult with your tax professional before making any decisions.</div>
</section>
<!-- Next steps -->
<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;">Next steps</h2>
</div>
<div class="ftr-content ftr-con-on af-body">
<ul>
<li>Get insights on
<a itemprop="significantLink" href="/ask/retirement/what-percentage-of-income-to-401k" id="PercentIncome" name="PercentIncome" data-aaclickevent="true">what percentage of your salary you should contribute to your 401(k)</a>
</li>
<li>View
<a itemprop="significantLink" href="/article/10-tips-to-help-you-boost-your-retirement-savings-whatever-your-age-ose" id="TipsBoostRtr" name="TipsBoostRtr" data-aaclickevent="true">10 tips to help you boost your retirement savings — whatever your age</a>
</li>
<li>Learn <a itemprop="significantLink" href="/retirement" id="IRAAmount" name="IRAAmount" data-aaclickevent="true">how many IRAs you can have — and how many you might want</a></li>
<li>Looking for professional guidance? Learn more about <a itemprop="significantLink" href="/investing/merrill-guided-investing" id="MGI" name="MGI" data-aaclickevent="true">Merrill Guided Investing</a> or talk
to a <a href="https://locations.merrilledge.com" target="_self" name="FSA-Locator" id="FSA-Locator" data-aaclickevent="true">locate a Merrill Financial Solutions Advisor</a> near you.</li>
</ul>
</div>
</div>
</section>
<!-- Schema -->
<script type="application/ld+json">
{
"@context": "https://schema.org",
"@type": "WebPage",
"name": "SECURE Act 2.0: What It Is & How It Impacts Your Retirement",
"url": "https://www.merrilledge.com/article/secure-act-2-summary",
"description": "SECURE Act 2.0 offers powerful new ways to save more for retirement. Learn what the SECURE Act 2.0 is and how it could impact your retirement.",
"image": "https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-oggeneral. jpeg",
"keywords": "secure act 2.0,what is secure act 2.0,secure act 2.0 summary,secure act 2.0 details,wfid24130538"
}
</script>
<script type="application/ld+json">
{
"@context": "https://schema.org",
"@type": "Article",
"name": "SECURE Act 2.0: What It Is & How It Impacts Your Retirement",
"headline": "SECURE Act 2.0: What It Is & How It Impacts Your Retirement",
"mainEntityOfPage": "https://www.merrilledge.com/article/secure-act-2-summary",
"description": "SECURE Act 2.0 offers powerful new ways to save more for retirement. Learn what the SECURE Act 2.0 is and how it could impact your retirement.",
"image": "https://www.merrilledge.com/Publish/Content/image/jpeg/GWMOL/merrill-edge-og-general.jpeg",
"url": "https://www.merrilledge.com/article/secureact- 2-summary",
"sourceOrganization": "Merrill Edge",
"datePublished": "2023-01-26",
"dateModified": "2023-01-26",
"keywords": "secure act 2.0,what is secure act 2.0,secure act 2.0 summary,secure act 2.0 details,wfid24130538",
"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>
<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');" data-aaclickevent="true"><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');" data-aaclickevent="true"><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');" data-aaclickevent="true"><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" data-aaclickevent="true"></a>
</span>
</div>
</div>
<div class="disclaimer">
<p>
<em></em>
</p> <span class="adahidden">Footnote </span><sup>1</sup> Federal Reserve, "Economic Well-Being of U.S. Households," May 2022.<br><br>
<strong>IMPORTANT DISCLOSURES</strong><br><br>
<!-- Tax advice -->
<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--> MAP5493519-02162024
</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" data-aaclickevent="true"><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" data-aaclickevent="true">Find a local Merrill <br>Financial Solutions Advisor</a>
</div>
</div>
<!-- CL END -->
</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" data-aaclickevent="true">Locations</a></td>
<td><a name="Contact" id="Contact" class="icon-contact" href="tel:888.637.3343" data-aaclickevent="true">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" data-aaclickevent="true">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;" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Privacy</a> | <a name="Security" id="Security" target="_blank" href="https://www.ml.com/privacy-and-security-center/how-we-protect-you.html" data-aaclickevent="true">Security</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings" data-aaclickevent="true">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" data-aaclickevent="true">Plan for Retirement</a></li>
<li><a name="footerCollege" id="footerCollege" href="/college-savings" data-aaclickevent="true">Plan for College</a></li>
<li><a name="footerEmergencyFund" id="footerEmergencyFund" href="/guidance/starting-out/emergency-fund" data-aaclickevent="true">Create an Emergency Fund</a></li>
<li><a name="footerStategy" id="footerStategy" href="/guidance/investment-help" data-aaclickevent="true">Create an Investment Strategy</a></li>
<li><a name="footerOAO1" id="footerOAO1" href="/global-oao" data-aaclickevent="true">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" data-aaclickevent="true">Why Merrill</a></li>
<li><a name="footerPricing" id="footerPricing" href="/pricing" data-aaclickevent="true">Pricing</a></li>
<li><a name="footerRelationshipDetails" id="footerRelationshipDetails" href="/investing/making-informed-decisions" data-aaclickevent="true">Relationship details and fees</a></li>
<li class="prLI"><a name="footerPreferredRewards" id="footerPreferredRewards" href="/preferred-rewards" data-aaclickevent="true">Preferred Rewards</a></li>
<li><a name="footerMobile" id="footerMobile" href="/mobile-investing" data-aaclickevent="true">Mobile Investing</a></li>
<li><a name="footerOnlineTrading" id="footerOnlineTrading" href="/investing/online-trading" data-aaclickevent="true">Online Trading</a></li>
<li><a name="footerCareers" id="footerCareers" target="_blank" href="https://careers.bankofamerica.com/en-us" data-aaclickevent="true">Careers</a></li>
<li><a name="footerAwards" id="footerAwards" href="/why-merrill-edge/awards-ratings" data-aaclickevent="true">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." data-aaclickevent="true">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" data-aaclickevent="true"><img width="22" height="20" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png" alt="LinkedIn popup" 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" data-aaclickevent="true"><img width="23" height="19" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-Twitter-23x19.png" alt="Twitter popup" 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" data-aaclickevent="true"><img width="20" height="14" border="0" src="/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png" alt="YouTube popup" 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" data-aaclickevent="true"><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" data-aaclickevent="true">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" data-aaclickevent="true">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;" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Security</a> | <a name="SiteMap" id="SiteMap" href="/site-map" data-aaclickevent="true">Site Map</a> | <a href="https://olui2.fs.ml.com/SVE/Pages/SoftwareRequirements.aspx?sgt=3" target="_blank" data-aaclickevent="true">Software Requirements</a> | <a class="bookmark" name="RteExcns" id="RteExcns" href="https://www.ml.com/legal.html#tag2" target="_blank" data-aaclickevent="true">Routing & Executions</a> | <a class="bookmark" name="RelationshipDetails" id="RelationshipDetails" href="/investing/making-informed-decisions" data-aaclickevent="true">Relationship Details & Fees</a> | <a class="bookmark" name="WebAccess" id="WebAccess" href="https://www.bankofamerica.com/accessiblebanking/access-services.go" target="_blank" data-aaclickevent="true">Web Accessibility</a> | <a name="prModal" id="prModal" onclick="javascript:OnlineCommonJSFunctions.LoadModalPopupByUrl('/advertising-practices-modal','','430','600px');return false;" href="javascript:void(0);" data-aaclickevent="true">Advertising Practices<span class="adahidden"> popup</span></a>
<br>
<a name="FormbLib" id="FormbLib" href="/forms-library" data-aaclickevent="true">Forms & Applications</a> | <a class="bookmark" name="LegalInfo" id="LegalInfo" href="https://www.ml.com/legal.html" target="_blank" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Deposit Account & Money Fund Rates (PDF)</a> | <a class="bookmark" name="NewsRm" id="NewsRm" href="https://newsroom.bankofamerica.com/" target="_blank" data-aaclickevent="true">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" data-aaclickevent="true">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" data-aaclickevent="true">Client Relationship Summary (Form CRS) (PDF)</a> | <a href="javascript:void(0);" id="ot_CCPA_footer" class="ot-sdk-show-settings" data-aaclickevent="true">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" data-aaclickevent="true">
<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"> (VA11********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", "secure-act-2-summary", "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=1685030237221
<form method="post" id="__etF" target="__etiF" action="https://etui.fs.ml.com/enterprisetagging/getcookie.ashx?res=h&a=1685030237221"></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:
Schedule an appointment 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:
Schedule an appointment 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:
Schedule an appointment 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:
Schedule an appointment 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:
Schedule an appointment 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:
Schedule an appointment 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
SECURE ACT 2.0 OFFERS POWERFUL NEW WAYS TO SAVE MORE FOR RETIREMENT
Share:
Text size: aA aA aA
Here's what you need to know about the recently passed law that could
revolutionize retirement planning for people of all ages
If you're looking for ways to improve your retirement readiness (and who
isn't?), there's a sweeping bill to help you start earlier, save longer and make
up for lost time. All told, the SECURE 2.0 Act of 2022 (PDF), signed into law
last December, contains about 90 provisions, many of which make major changes to
existing retirement savings rules.
"A quarter of working Americans have nothing saved for retirement.Footnote 1 The
new regulations are designed to encourage increased plan participation and
savings," notes Mitchell Drossman, head of National Wealth Strategies in the
Chief Investment Office (CIO) for Merrill and Bank of America Private Bank.
"A quarter of working Americans have nothing saved for retirement.Footnote 1 The
new regulations are designed to encourage increased plan participation and
savings."
— Mitchell Drossman,
head of National Wealth Strategies,
Chief Investment Office,
Merrill and Bank of America Private Bank
"While some changes happen immediately, others take effect over the next several
years," says Debra Greenberg, director, Personal Retirement Product Management
at Bank of America. "Still, it's a good idea to evaluate whether you're saving
enough for retirement and speak with your tax specialist about how you might be
able to take advantage of the new law's provisions." Here are some highlights to
consider, depending on your stage of life or situation:
JUST STARTING OUT?
BEGINNING IN 2025, YOU MAY FIND YOURSELF AUTOMATICALLY ENROLLED IN A COMPANY
RETIREMENT PLAN.
To help boost retirement savings, SECURE 2.0 requires companies that established
retirement plans after the enactment of the SECURE 2.0 Act on December 29, 2022
to begin automatically enrolling eligible employees in 2025. While you may
choose to opt out, "automatic enrollment drives home the importance of saving
early and often," Greenberg says. "Even a small difference in the amount you
save early in your career can make a big difference over time." The chart below
may help you set a long-term goal for yourself.
HOW MUCH SHOULD YOU BE SAVING FOR RETIREMENT?
With findings based on Bank of America's Financial Wellness Tracker — a
proprietary assessment that calculates a financial wellness score based on where
an employee is today (password required) — consider using the following savings
multiples as guidance for replacing your income in retirement:
Source: Bank of America, "Financial Wellness: 2020 Retirement savings guidance,"
2020. Note: Calculations are based on obtaining 38% of income replacement from
retirement savings (pre-tax) for middle income households of $40,000 to $100,000
annually.
PAYING OFF STUDENT LOANS? YOU COULD GET HELP SAVING FOR RETIREMENT.
"Everyone urges you to save early, but that's hard when you're repaying a
sizable student loan," Greenberg says. Starting in 2024, employers may offer
matching contributions to retirement plans based on an employee's qualified
student loan repayments (up to the amount an employee would be allowed to
contribute on their own). While the match isn't required, companies might find
that this benefit helps attract promising candidates, she adds.
GOT LEFTOVER 529 EDUCATION SAVINGS FUNDS? YOU MAY BE ABLE TO JUMPSTART YOUR
BENEFICIARY'S RETIREMENT SAVINGS.
While college costs keep rising, "some students receive scholarships or grants
that could leave unspent money in a 529 Education Savings Account started for
them," Greenberg notes. As of 2024, that money may be rolled directly into a
Roth IRA for the beneficiary of the 529 account without Federal income tax or
the usual 10% penalty for non-education withdrawals. Among the restrictions, the
529 must have been open for 15 years and the money to be rolled over must not
have been contributed within five years of the rollover.
"Even a small difference in the amount you save can make a big difference over
time."
— Debra Greenberg, director,
Personal Retirement Product Management,
Bank of America
NEARING (OR IN) RETIREMENT?
LARGER "CATCH-UP" CONTRIBUTIONS CAN HELP YOU MAKE UP FOR LOST TIME.
Starting in 2025, "catch-up" provisions for savers aged 50 and over will offer
an additional boost for those aged 60 through 63: they'll be able to contribute
$10,000 or 150% of the standard catch-up amount (whichever is greater) to 401(k)
and 403 (b) plans. For SIMPLE IRAs and SIMPLE 401(k) plans, the limits are
$5,000 or 150% of the annual catch-up contribution limit. "After 2025, these
increased catch-up amounts will be indexed annually for inflation," Greenberg
says. One caveat: Employees earning more than $145,000 will have to make any
contributions to a Roth plan, using post-tax rather than pre-tax dollars. Check
to make sure that your plan permits catch-up contributions.
YOU CAN KEEP MONEY INVESTED LONGER.
Anyone turning 72 after January 1, 2023, can wait until age 73 before taking
required minimum distributions (RMDs) from their retirement plans and IRAs.
That's up from the prior year's RMD age of 72 and 70½ in 2019. By 2033, the age
will rise to 75. "The extra time allows you the opportunity to keep more of your
savings invested," notes Greenberg. Another plus: The bill reduces additional
taxes for failing to take RMDs on time (to 25% of the amount of the missed
distributions, down from 50%) and fixes an RMD anomaly for Roth investors.
"While Roth IRAs typically don't require RMDs, Roth 401(k) and 403(b) plans do.
That requirement ends starting in 2024," Greenberg notes.
CONSIDER GIVING MORE TO CHARITY.
Even as the RMD age increases, individuals can still make qualified charitable
distributions (QCD) of up to $100,000 per year, starting at age 70½. To further
encourage giving, the bill calls for adjusting that amount annually for
inflation, with the first adjustment coming in 2024. SECURE 2.0 also expands
existing QCD rules by enabling individuals to make one-time distributions of up
to $50,000 from their IRAs to split-interest trusts such as Charitable Remainder
Trusts and Charitable Gift Annuities, starting in 2023.
OWN A SMALL BUSINESS THAT DOESN'T OFFER A RETIREMENT PLAN?
HERE'S INCENTIVE TO START ONE.
"Starting in 2023, companies with 50 or fewer employees can earn a tax credit
worth 100% of administration costs, or up to $5,000 per year," Greenberg says.
"That could mean up to $15,000 in potential savings — a big number for a small
employer." Previously, those businesses were eligible for the same 50% credit
available to companies with up to 100 employees.
These are just a few of the many SECURE 2.0 changes affecting retirement
savings, Greenberg stresses. For more details, read "Understanding the SECURE
Act of 2022 (PDF)." Then try Merrill's Personal Retirement Calculator to find
out if you're on track for retirement. And be sure to consult with your tax
professional before making any decisions.
NEXT STEPS
* Get insights on what percentage of your salary you should contribute to your
401(k)
* View 10 tips to help you boost your retirement savings — whatever your age
* Learn how many IRAs you can have — and how many you might want
* Looking for professional guidance? Learn more about Merrill Guided Investing
or talk to a locate a Merrill Financial Solutions Advisor near you.
Share:
Footnote 1 Federal Reserve, "Economic Well-Being of U.S. Households," May 2022.
IMPORTANT DISCLOSURES
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.
MAP5493519-02162024
Ready to get started?
Open an account
888.637.3343
Find a local Merrill
Financial Solutions Advisor
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 popup
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
(VA11********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
Menu
Increase font size Decrease font size Mute sounds Enable sounds Print transcript
Live Chat Survey
Minimize chat
Close chat
Sharing with Bank of America Specialist Stop sharing
Chat 0 Stop sharing