Merrill A Bank of America Company Merrill A Bank of America Company Open an account Login Open Menu bar Find answers to common questions at MerrillSchedule an Open an accountwith Merrill Choose your brokerage accountat Merrill Invest for general financial goals Access a wide range of investment choices and get unlimited $0 online stock and ETF trades. Learn moreabout individual brokerage accounts at Merrill Invest for general financial goals with up to 4 account owners Up to 4 account owners can access a wide range of investment choices with unlimited $0 online stock and ETF trades. Learn moreabout joint brokerage accounts at Merrill Manage funds on behalf of a minor Make contributions up to annual gift tax limits and manage the account until the minor is of age. Learn moreabout custodial brokerage accounts at Merrill Hold assets until they are used on behalf of family members or other beneficiaries Protect and preserve your assets by controlling how your wealth is distributed. Administer a person's estate after their death Allow easier access to the deceased's funds, separate personal from estate assets and help reduce tax obligations. Select to learn more aboutStocksSelect to learn more aboutMutual FundsSelect to learn more aboutETFsSelect to learn more aboutFixed IncomeSelect to learn more aboutOptionsSelect to learn more aboutMargin Trading Choose your brokerage accountat Merrill 855.488.5245 Expand all An online brokerage account allows you to easily transfer available funds between your Bank of America bank and Merrill investment accountsFootnote7 and gives you access to a full range of investment choices. Enjoy the convenience of monitoring your portfolio from your mobile device, and Merrill Self-Directed investors can manage everyday transactions with services such as check-writing, a Visa® deferred debit card from Bank of America and web bill pay. Merrill Edge® Self-Directed may be right for you if you want to make your own investment decisions and monitor your performance independently. Merrill Guided Investing, an Investment advisory program, may be right for you if you prefer having a portfolio built and managed by Merrill investment professionals for a low fee.Footnotes2,3 Merrill investment professionals recommend an investment strategy based on your personal information and financial goals and then build, monitor and rebalance your portfolio.Footnote4 You also get to choose the level of guidance you want — depending on your investment minimum, you can have a professionally managed portfolio online or work one-on-one with an advisor. You can open the following product/account types and manage them on your own as a Self-Directed account: Individual, Joint and Custodial (UTMA/ UGMA) brokerage accounts, 529 Plan, Traditional IRAs, Roth IRAs, SEP and SIMPLE IRAs, Trust Account, Estate Account. You can also roll over a 401(k) or other employer-sponsored retirement plan. Consider all of your choices and learn if a rollover may be right for you.Footnote5 You can open the following product/account types or convert existing accounts to Merrill Guided Investing: Individual, Joint and Custodial (UTMA/UGMA) brokerage accounts, traditional IRAs, Roth IRAs, SEP and SIMPLE IRAs. You can also roll over a 401(k) or other employer-sponsored retirement plan. Consider all of your choices and learn if a rollover may be right for you.Footnote5 Clients with existing trusts may convert them into Merrill Guided Investing, but currently cannot open new Merrill Guided Investing trust accounts. All you need to qualify is an eligible Bank of America® personal checking account and maintain an average daily balance of $20,000 in combined balances across your Merrill investment accounts and your Bank of America deposit accounts.Footnote6 Fund in one of four ways: Deposited funds typically post to the account within two days of receipt. Funds are available forinvestment when posted, but can be held from withdrawal for up to eight days. Footnote 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. Footnote Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including the program fee, rebalancing, and the details of the investment advisory program. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. If there are multiple owners on this account, the information you provide should reflect the views and circ*mstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training. Merrill Guided Investing and Merrill Guided Investing with Advisor have an annual program fee of 0.45 % and 0.85 %, respectively, based on the assets held in the account. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus. Sales of stocks and ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit our Pricing page. Footnote The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing and Merrill Guided Investing with Advisor, including providing its recommendations of ETFs, mutual funds and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s). You may also be able to obtain the same or similar services or types of investments through other programs and services, both investment advisory and brokerage, offered by Merrill; these may be available at lower or higher fees than charged by the Program. The services that you receive by investing through Merrill Guided Investing or Merrill Guided Investing with Advisor will be different from the services you receive through other programs. You may also be able to obtain some or all of these types of services from other firms, and if they are available, the fees associated with them may be lower or higher than the fees we charge. Footnote Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. Footnote You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circ*mstances, needs and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over an employer-sponsored plan from your old job to your new employer, take a distribution, or leave the account where it is. Each choice may offer different investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information visit our rollover page or call Merrill at 888.637.3343. Footnote Preferred Rewards Program Eligibility. You can enroll, and maintain your membership, in the Bank of America Preferred Rewards® program if you have an active, eligible personal checking account with Bank of America® and maintain the balance required for one of the balance tiers. The balance tiers are $20,000 for the Gold tier, $50,000 for the Platinum tier, $100,000 for the Platinum Honors tier, $1,000,000 for the Diamond tier and $10,000,000 for the Diamond Honors tier. Balances include your combined, qualifying Bank of America deposit accounts (such as checking, savings, certificate of deposit) and/or your Merrill investment accounts (such as Cash Management Accounts, 529 Plans). You can satisfy the combined balance requirement for enrollment with either: Refer to your Personal Schedule of Fees for details on accounts that qualify towards the combined balance calculation and receive program benefits. Eligibility to enroll is generally available three or more business days after the end of the calendar month in which you satisfy the requirements. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Bank of America Private Bank clients qualify to enroll in the Diamond Tier regardless of balance and may qualify for the Diamond Honors tier based on their qualifying Bank of America, Merrill and Private Bank balances. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For details on Bank of America employee qualification requirements, please call Employee Financial Services or refer to the Bank of America intranet site. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible to participate on customized terms. Refer to CEBI Program for details. Footnote Certain banking and brokerage accounts may be ineligible for real-time money movement, including but not limited to transfers to/from bank IRAs (CD, Money Market), 529s, Bank of America Advantage SafeBalance Banking™, Credit Cards and transfers from IRAs, Loans (HELOC, LOC, Mortgage) and accounts held in the military bank. Accounts eligible for real-time transfers will be displayed online in the to/from drop down menu on the transfer screen. MAP6510061-10112025 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. 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 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. 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: Privacy|Security|Glossary|Advertising practicespopupAdvertising Practicespopup © 2024 Bank of America Corporation. All rights reserved. 4326521
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