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Ways to Invest with Merrill

Solutions built around you

Our full suite of investment solutions and tools can help you pursue your goals with confidence, convenience and control.

Merrill Edge® Self-Directed Investing

Reinventing what it means to be a confident investor

  • Unlimited $0 online stock, ETF and option trades, with no annual account fees or balance minimums.Footnote 1 Option contract and other fees may apply.Footnote *
  • Easy-to-understand, actionable insights and timely investing ideas, and access to award-winning researchFootnote 2
  • Access to Best-in-Class Customer Service when you need help, as awarded by StockBrokers.comFootnote 3

Merrill Guided Investing

While you manage life, we manage investing

  • Set your investing goals online or talk with an advisor and set goals togetherFootnote 7
  • Get a portfolio that's built, monitored and rebalanced by Merrill Investment professionals,Footnote 12 at a low cost
  • Monitor performance, make updates and add new goals whenever you'd like
Merrill Guided Investing is an Investment Advisory ProgramFootnote 7
NEW
$0
program fee
for 6 months
for new enrollmentsFootnote 14
MUST USE OFFER CODE:
6FREE
Footnote **Conditions and other fees apply

#1 Overall Client Experience

Merrill Edge Self-Directed was awarded No. 1 Overall Client Experience (for the seventh year in a row) — StockBrokers.com 2024 Annual Broker Review
Footnote 
Merrill Edge Self-Directed was awarded No. 1 Overall Client Experience and received an overall rating of 4.5 out of 5 stars from StockBrokers.com. Evaluated as one of 17 online brokers in Go to third-party website StockBrokers.com 2024 Online Broker Review popup published on January 23, 2024. StockBrokers.com evaluated brokers using 181 variables across 8 categories. The Overall Client Experience award recognizes the best user experience for typical U.S. retail investors. StockBrokers.com testing simulates dozens of workflows for investors and traders alike. Key criteria include satisfying user intent, design, customer support, platform responsiveness, convenience, workflow, education, marketing communications, and transparency. Go to third-party website Learn more about the methodology at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.

Need help choosing and opening an account?

We make it simple to invest the way you want. From 24/7 access to online tools and personalized dashboards, to personal guidance and advice from Merrill Financial Solutions Advisors, we can help.

Invest your way

At Merrill you have the freedom to invest on your own terms — exactly the way you want. Choose your own investments, set your investing goals online or talk with an advisor and set goals together. Either way, you'll have access to Merrill's award-winning service and online tools.Footnote 3

Merrill Edge®

Merrill Guided Investing

An Investment Advisory Program

Merrill Edge® Self‑Directed

Personalized investing with tools, insights and guidance to confidently put your investing ideas into action.

Merrill Guided Investing Online

Pursue your investing goals online with a professionally managed portfolio — all at a low cost.

Merrill Guided Investing Online with an advisor

An advisor will help you establish your investing goals and provide guidance one-on-one when you need it.
Investment minimum
Self-Directed
No minimum
Online
$1,000 for growth-focused strategies
OR
$50,000 for income-focused strategiesFootnote 15
Online with an advisor
$20,000 for growth-focused strategies
OR
$50,000 for income-focused strategiesFootnote 15
Annual Program Fee
Self-Directed
Unlimited $0 stock, ETF and option trades with no minimum.Footnotes 1
Option contract and other fees may applyFootnote *
Online
0.45% annual program feeFootnote 5
Other fees may applyFootnotes **
New offer
$
0
program fees for 6 months for new enrollmentsFootnote 14
Must use offer code: 6FREE
Conditions and fees applyFootnote **
Online with an advisor
0.85% annual program feeFootnote 4
Other fees may applyFootnote **
Example of estimated monthly fees
Self-Directed - blank
Online
If your account's balance at the end of May (for example) is $1,000, your fee for June would be less than $1. ($1,000 end-of-month balance X .0045 annual program fee)/12 months = $0.38. This amount will vary monthly based on your month-end account balance.
Online with an advisor
If your account's balance at the end of May (for example) is $20,000, your fee for June would be less than $15. ($20,000 end-of-month balance X .0085 annual program fee)/12 months = $14.17. This amount will vary monthly based on your month-end account balance.
Online mobile and investing tools
Self-Directed
check mark
Online
check mark
Online with an advisor
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Access to BofA Global Research and insights
Self-Directed
check mark
Online
check mark
Online with an advisor
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Bank of America and Merrill investing connected
Self-Directed
check mark
Online
check mark
Online with an advisor
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Advisor helps you establish goals
Self-Directed unchecked
 
Online unchecked
 
Online with an advisor
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Periodic reviews and one-on-one advice
Self-Directed unchecked
 
Online unchecked
 
Online with an advisor
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Professionally managed portfolios
Self-Directed unchecked
 
Online
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Online with an advisor
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Establish goals online
Self-Directed unchecked
 
Online
check mark
Online with an advisor
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Customizable trading platform
Self-Directed
check mark
Online unchecked
 
Online with an advisor unchecked
 
Full range of stocks, ETFs, mutual funds, options, stocks and bonds
Self-Directed
check mark
Online unchecked
 
Online with an advisor unchecked
 
Get more information on how Merrill Guided Investing combines the power of technology and human insight and investment expertise.

Talk with an Advisor

No judgment, just guidance

  • Start with a no-hassle review of your financial picture
  • Tell us your goals, and we'll help you develop a strategy on how you can pursue them
  • Connect with an advisor in the way that's most convenient for you

Your combined Merrill investing and Bank of America deposit balances get you more

When your balances work together, you can maximize the rewards you earn. Just open a qualifying checking account, maintain the 3-month combined average daily balance requirement and enroll in Bank of America Preferred Rewards® to start earning the rewards you deserve.

Bank of America Preferred Rewards

Preferred Rewards® gives you more from life's everyday moments. Credit card purchases, auto payments, buying a new home and investing for retirement can all be more rewarding. With Bank of America Preferred Rewards®, you get rewarded for the things you do every day. Footnote 6
I want to save for a big purchase Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Earn a 5% interest rate booster on a Bank of America Advantage Savings account.Footnote 8
Earn a 10% interest rate booster on a Bank of America Advantage Savings account.Footnote 8
Earn a 20% interest rate booster on a Bank of America Advantage Savings account.Footnote 8
View all gold tier rewards
I want to buy a car  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
You get a 0.25% auto loan interest rate discount.Footnote 9
You get a 0.35% auto loan interest rate discount.Footnote 9
You get a 0.50% auto loan interest rate discount.Footnote 9
View all gold tier rewards
I want to buy a home  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
You get a $200 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 10
You get a $400 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 10
You get a $600 reduction on the orgination fee for a new purchase or refinance mortgage.Footnote 10
You get a 0.250% interest rate reduction when PayPlan is established.Footnote 10
View all gold tier rewards
I want to prepare for retirement  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Receive a 0.05% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.10% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.15% Merrill Guided Investing fee discount.Footnote 7
View all gold tier rewards
I want to build a budget and start saving  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Receive a 0.05% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.10% Merrill Guided Investing fee discount.Footnote 7
Receive a 0.15% Merrill Guided Investing fee discount.Footnote 7
View all gold tier rewards
I want to travel more  Select to learn more
Enter your estimated 3-month average combined balances from your Bank of America® deposit and/or Merrill® investment accounts
3-month balance average (minimum $20,000)
Your Preferred Rewards Tier
Gold
$20K to <$50K
Earn a 25% credit card reward bonus with your Bank of America credit card.Footnote 11
Earn a 50% credit card reward bonus with your Bank of America credit card.Footnote 11
Earn a 75% credit card reward bonus with your Bank of America credit card.Footnote 11
View all gold tier rewards

Ready to get started?

Call us

Set up a meeting

Have more complex wealth management needs?

Invest with a Merrill Lynch Wealth Management advisor to help you grow, preserve and manage your wealth.Footnote 13
Footnote asterisk 
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 asterisks 
Other fees may apply. Sales of ETFs are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There are costs associated with owning ETFs and mutual funds. To learn more about pricing, visit our Pricing page.
Footnote 
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.

For broker-assisted trades through Merrill Edge, you will be charged a fee equal to the lower of $29.95 or 5.00% of the principal amount of the transaction. Further, there are indirect fees, such as annual management and other similar fees, that are charged by the manager or sponsor of an exchange-traded fund and of a closed-end fund, as disclosed in the product's prospectus.
Footnote 
Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms popup in 2023 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc ("BofAS") and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC popup, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor popup. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 
Merrill Edge Self-Directed received an overall ranking of 5 out of 5 stars and a Best in Class award for "Customer Service," from StockBrokers.com. Evaluated as one of 17 online brokers in StockBrokers.com 2023 Online Broker Review popup published on January 24, 2023. StockBrokers.com evaluated brokers using 196 variables across 8 categories. The Best In Class rating recognizes brokers that ranked in the top 5 in that category. Learn more about the methodology at StockBrokers.com popup. Rankings and recognition from StockBrokers.com are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Footnote 4 There is an annual program fee of 0.85% based on the assets held in the account. This fee is charged monthly in advance.

Footnote 5 There is an annual program fee of 0.45% based on the assets held in the account. This fee is charged monthly in advance.

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:

  1. a three-month combined average daily balance in your qualifying deposit and investment accounts, or
  2. a current combined balance, provided that you enroll at the time you open your first eligible personal checking account and satisfy the balance requirement at the end of at least one day within 30 days of opening that account.
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 7 Merrill Guided Investing Program. 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 circumstances of all owners on the account. If you are the fiduciary of this account for the benefit of the account owner or account holder (e.g., trustee for a trust or custodian for an UTMA), please keep in mind that these assets will be invested for the benefit of the account owner or account holder. Merrill Guided Investing is offered with and without an advisor. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S") and Managed Account Advisors LLC ("MAA") an affiliate of MLPF&S. MLPF&S and MAA are registered investment advisers. Investment adviser registration does not imply a certain level of skill or training.

Clients enrolled in Preferred Rewards receive a Preferred Rewards discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with Advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Preferred Rewards enrolled clients receive a discount of 0.05% off of the annual rate for the Gold tier, 0.10% for the Platinum tier, or 0.15% for the Platinum Honors, Diamond and Diamond Honors tiers based on their Preferred Rewards tier effective at the time the applicable advisory program fee is calculated. It may take up to 30 calendar days for changes to your Preferred Rewards status or tier to be associated with and effective for your accounts in the advisory programs. This fee is charged monthly in advance. In addition to the annual program fee, the expenses of the investments will vary based on the specific funds within each portfolio. Actual fund expenses will vary; please refer to each fund's prospectus.
Footnote 
Preferred Rewards Savings Rate Booster. The Bank of America Advantage Savings interest rate booster is only available to enrolled Preferred Rewards members. Your enrollment in Preferred Rewards will not automatically convert any existing savings account to a Bank of America Advantage Savings account without your request. If your enrollment in the Preferred Rewards program is discontinued, the interest rate booster may be discontinued. Refer to bankofamerica.com/savings for current rates.
Footnote 
 Preferred Rewards Auto Loan. Preferred Rewards members who apply for an Auto purchase or refinance loan receive an interest rate discount of 0.25% for Gold tier, 0.35% for Platinum tier, and 0.50% for Platinum Honors and higher based on their Preferred Rewards tier at the time of auto loan application. The maximum Preferred Rewards interest rate discount on a Bank of America auto loan is 0.50%. This interest rate discount is not reflected in all our published rates on our website but will be confirmed and reflected in the interest rate quoted upon loan approval. Discounts are only available on auto loan applications submitted by you directly to Bank of America through its website, Financial Centers, or Bank call centers. Discounts are not available for motor vehicle leases or for applications sourced from car dealerships, car manufacturers, or third-party branded/co-branded relationships. Benefit is non-transferable. Subject to credit approval. Standard underwriting guidelines and credit policies apply.
Footnote 
Preferred Rewards First Mortgage. The origination fee reduction and/or interest rate reductions are offered to clients who are enrolled or are eligible to enroll in Preferred Rewards, based on their rewards tier at the submittal of a mortgage loan application to Bank of America, N.A. for a new purchase or refinance loan (for co-borrowers, at least one applicant must be enrolled or eligible to enroll). The rewards tier is not subject to adjustment after the application is submitted. The origination fee reduction ($200 for Gold tier, $400 for Platinum tier and $600 for Platinum Honors tier) will not exceed the amount of the Lender Origination Fee. In order to receive the full Diamond and Diamond Honors interest rate reduction (0.25% for Diamond tier and 0.375% for Diamond Honors tier) the client must be approved for an eligible loan and enroll in PayPlan, our automatic payment service, designating an eligible Bank of America checking or savings account. To allow us to apply and disclose the interest rate reduction and close the loan timely, we encourage Diamond and Diamond Honors tier clients to enroll in PayPlan as soon as possible and prior to the expected loan closing date. PayPlan is not available on VA and FHA products and Diamond and Diamond Honors tier clients closing loans without PayPlan enrollment receive a 0.125% interest rate reduction benefit. For adjustable rate mortgages (except PrimeFirst®), the discounts are applied to the interest rate only during the initial fixed-rate period. For PrimeFirst® adjustable rate mortgages, the discount is applied to the margin and cannot reduce the margin below 0%. Some Preferred Rewards benefits cannot be combined with other offers. All mortgage interest rate reduction offers may be subject to a maximum interest rate reduction limit. For further details, Refer to the Preferred Rewards section of the Personal Schedule of Fees. Preferred Rewards benefits are non-transferable and are not available with Custom Residential Real Estate financing.
Footnote 
Credit Card Preferred Rewards Bonus. Certain credit cards are eligible to receive a Bank of America Preferred Rewards® bonus. Enrolled Preferred Rewards members with eligible Bank of America® credit cards can receive a Preferred Rewards bonus of 25% for the Gold tier, 50% for the Platinum tier, or 75% for the Platinum Honors, Diamond or Diamond Honors tier on each purchase. If your card receives the 10% customer bonus, the Preferred Rewards bonus will replace the 10% customer bonus. You will not receive the Preferred Rewards bonus when you redeem your Cash Rewards or Points. The Preferred Rewards bonus for eligible cash rewards credit cards will be applied after all base and bonus cash rewards have been calculated on a purchase. For example, a $100 purchase that earns 3% ($3.00) will actually earn $3.75, $4.50 or $5.25 based on your tier when the purchase posts to your account. For all other eligible card types, a purchase that earns 100 base points will actually earn 125, 150, or 175 points, based on your tier when the purchase posts to your account. The Preferred Rewards bonus is not applied to any account opening bonus, if applicable. The Preferred Rewards bonus also does not apply to the bonus earn for certain programs. This information can be found in the Program Rules associated with those credit cards. Other terms and conditions apply. Please refer to your card's Program Rules for details about how you will receive the Preferred Rewards Bonus. Program Rules are mailed upon account opening and are accessible through the rewards redemption site via Online Banking or by calling the number on the back of your card. View a complete list of ineligible cards.
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 
Merrill is the marketing name for Merrill Lynch Wealth Management, Merrill Edge®, and Merrill Private Wealth Management, all of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated ("MLPF&S"). Merrill is available through MLPF&S, and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.

Merrill makes available products and services offered by MLPF&S and other subsidiaries of Bank of America Corporation ("BofA Corp").
Footnote 
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, Member SIPC, and a 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 BofA Corp.

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill's obligations will differ among these services. The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.
Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, a wholly owned subsidiary of BofA Corp.
Footnote 
Merrill Guided Investing 6-Month Offer

Introductory 6-Month Program Fee Waiver Offer eligible for accounts that are newly enrolled into the Merrill Guided Investing program (MGI) starting on and after March 27, 2023.

How it Works:

  1. To be eligible for the Offer, you must input the Offer Code during the account opening step through the MGI website or you must instruct a Merrill representative to input the Offer Code for you. You are solely responsible for taking this action to be eligible for the Offer.
  2. Once your account with the Offer Code applied has enrolled into MGI, Merrill will waive MGI's annual asset-based fee of 0.45% (Program Fee) for the initial partial month, if applicable, and for 6 full months after the effective date your account's enrollment in MGI (Offer Period).
  3. This Offer is solely limited to Merrill's waiver of MGI's Program Fee. Your MGI-enrolled account will be subject to fees and expenses not covered by MGI's Program Fee during and after the Offer Period, including the internal fees and expenses of funds in your account, as described in the MGI ADV brochure. Please refer to the MGI ADV brochure section "Fees and Expenses Not Covered by the Program Fee" for a list of other fees and expenses that your MGI-enrolled account may be charged and that are not included in MGI's Program Fee.
  4. This Offer is only available to newly enrolled MGI-accounts, is not transferable to another account, and may not be combined with other offers relating to the account's advisory program fee. When the Offer Period expires, your MGI-enrolled account will be subject to MGI's annual asset-based Program Fee of 0.45% which is charged monthly in advance. If you unenroll your account from MGI before the Offer Period expires, you'll owe no Program Fee for the services provided while the account was enrolled in MGI. If you are eligible for MGI Program Fee discounts, rebates or credits under the Preferred Rewards Program offered by BANA, then those benefits will apply following the Offer Period's expiration. You may be eligible for other offers from Merrill and its affiliates. Please contact us for more information.
  5. Merrill reserves the right to modify these terms and conditions or terminate this Offer at any time without notice. Merrill also reserves the right to refuse a waiver or portion of a waiver for an MGI-enrolled account if it determines that the account obtained it under fraudulent circumstances, that you provided inaccurate or incomplete information in enrolling the account in MGI, or that you violated any terms of your MGI agreement. MGI Program enrollment requirements and guidelines apply.
Tax Disclaimer: The value of the waiver of MGI's Program Fee may constitute taxable income. Merrill may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of the waiver. Please consult your tax advisor. Bank of America Corporation and its affiliates and associates do not provide tax advice.
Footnote 
The Merrill Guided Investing program investment minimum is $1,000 for growth-focused strategies and $50,000 for income-focused strategies. The Merrill Guided Investing with Advisor program investment minimum is $20,000 for growth-focused strategies and $50,000 for income-focused strategies.
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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:
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


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