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Merrill Guided Investing
An investment advisory program

Start investing with as little as $1,000Footnote **

Start investing in 3 simple steps and get the professional investing guidance you need.

Must use offer code 6MONTHSFREE
$0 Program fee for 6 months Footnotes 1,*. Footnote *Conditions and other fees apply.

It's easy to get started

1

Set goal

Answer quick questions about your goal and risk tolerance.
2

Review

Review and select your investment portfolio.
3

Invest

Invest with as little as $1,000.Footnote **

Guidance to help you pursue your investing goal

Your goal, our guidance

Get a portfolio that's managed by Merrill investment professionals.Footnote 2 Start with as little as $1,000 investment minimumFootnote ** and a low annual program fee.Footnote 3

Tools to help you stay on track

A personalized online dashboard to track your progress and update your goal as your needs change.

Increase your growth potential

Set up recurring deposits and we'll automatically invest the funds in your portfolio.Footnote 4

Banking and investing connected

Get the full view of your financial life online with banking from Bank of America and investing from Merrill all in one place.
$0 Program fee for 6 months Footnote 1 Footnote *Conditions and other fees apply.
When you open a new account we'll waive the Merrill Guided Investing program fee for six months.Footnote 1 After that, you'll pay an annual program fee of 0.45% and Bank of America Preferred Rewards members can receive a discount of up to 0.15% off this rate.Footnote 5
Get started with Merrill Guided Investing
Must use offer code 6MONTHSFREE
Merrill
plus
Bank of America Preferred Rewards
equals
Preferred pricing

Get even more with Preferred Rewards

Merrill investment balances can help you earn benefits and pricing discounts.Footnote5 Learn more about Preferred Rewards.

Ready to invest?

Must use offer code 6MONTHSFREE
If you need help, give us a call at 855.619.0907 or schedule an appointment.

Other ways to invest with Merrill

Learn more about Merrill Edge® Self-Directed

A personalized investing experience that gives you helpful insights and tools to confidently put your investing ideas into action.

Learn more about Merrill Guided Investing with an advisor

An investment advisory program where you can work with an advisor to define and pursue your investing goals and get ongoing advice when you want it.Footnotes 3
Footnote 
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 Merrill pricing, visit our Pricing page.
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.
Footnote 
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 (PDF). 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 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).
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 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.
Footnote 4 No investment plan is risk free, and a systematic investment plan does not ensure profits or protect against losses.

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.
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.
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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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