# Merrill Edge Login

## The investing guidance you want, now within reach

Get the convenience of a professionally managed portfolio and the option to work with an advisor—all at a low cost.[Get started with Merrill Guided Investing](https://oaui.fs.ml.com/OASetup/IsAClient.aspx)![Invest with Less](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-invest-with-less-flag.png)

### Guidance and tools to help you pursue your goals

Slide 1 of 4

![](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-BoA-group-managed-scalable.png)

#### Professionally managed portfolios

Investment portfolios are monitored and rebalanced by a team of Merrill investment professionals.Footnote 1Slide 2 of 4

![](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-BoA-invest-portfolio-scalable.png)

#### Investing and banking connected

View and manage your Bank of America bank and Merrill investment accounts with just one login. Plus, Bank of America Preferred Rewards members get a program fee discount.Footnotes 2,3Slide 3 of 4

![](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-BoA-custom-flexibility-scalable.png)

#### Investing strategies aligned to your goals

Tell us about yourself and your goal and receive a recommended investment strategy.Slide 4 of 4

![](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-BoA-success-check-circled-scalable.png)

#### Low minimums, low cost

It's easy to get started with a low minimum investment and the option to work with an advisor.Footnote 4

### While you manage life, we manage investing

See how this investment advisory program can help you pursue the financial future you envision.Play Video\[+] View transcript

### Our guidance. Your choice.

With Merrill, you determine the level of guidance we provide. Depending on your comfort level, you may choose to invest solely online, or you may want the added advice of an advisor. Use the chart to help you decide.

#### Online

Tools and an investment strategy aligned to your goal

#### Online with an advisor

One-on-one help to define and pursue your goalMinimum investmentOnline $1,000Online with an advisor $20,000Straightforward pricingOnline 0.45% calculated and assessed monthly based on your prior month's balance.Footnote 4Qualify for discount pricing with [Bank of America Preferred Rewards](https://www.merrilledge.com/preferred-rewards).Other fees may applyFootnote \*Online with an advisor 0.85%, calculated and assessed monthly based on your prior month's balance.Footnote 4Qualify for discount pricing with [Bank of America Preferred Rewards](https://www.merrilledge.com/preferred-rewards).Other fees may applyFootnote \*Example of estimated monthly feesOnline 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.Footnote 4Online 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.Footnote 4ETF and mutual fund strategiesOnline check markOnline with an advisor check markProfessionally managed portfoliosFootnote 1Online check markOnline with an advisor check markOnline dashboardOnline check markOnline with an advisor check markBank of America banking andMerrill investing connectedOnline check markOnline with an advisor check markEstablish goals onlineOnline check markOnline with an advisor check markAdvisor helps you establish goalsOnline  Online with an advisor check markOne-on-one adviceOnline  Online with an advisor check markPeriodic reviews with an advisorOnline  Online with an advisor check markOnline [Get started with Merrill Guided Investing online](https://oaui.fs.ml.com/oasetup/Isaclient.aspx?channel=OSGI\&app=sales)Online with an advisor [Get started with Merrill Guided Investing online with an advisor](https://oaui.fs.ml.com/oasetup/Isaclient.aspx?channel=MLAA\&app=sales)![Merrill](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-rebrand-merrill-bull-scalable.png)![plus](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-rebrand-plus-sign-black.png)![Bank of America Preferred Rewards](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-rebrand-preferred-rewards-scalable.png)![equals](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-icon-rebrand-equal-sign-scalable-black.png)Preferred pricing

### Get even more with Preferred Rewards

As a [Bank of America Preferred Rewards](https://www.merrilledge.com/preferred-rewards) member, get program fee discounts of up to 0.15% on your Merrill Guided Investing account based on your tier. Plus enjoy additional benefits including monthly account maintenance fee waivers on Bank of America checking and savings accounts and more.Footnote 3

### Our step-by-step process makes it easy to get started.

1

#### Goal

Tell us about yourself and your investing goal.2

#### Review

Review your recommended investment approach.3

#### Open

Open and fund your account online or online with an advisor.[Get started with Merrill Guided Investing](https://oaui.fs.ml.com/OASetup/IsAClient.aspx)

#### Call an advisor

[855.619.0907](tel:855.619.0907)

#### Set up a meeting

[Schedule an appointment](https://locations.merrilledge.com/)

### There's more than one way to invest

[**Merrill Edge® Self‑Directed**](https://www.merrilledge.com/offers/600) offers personalized planning tools and investing ideas, plus unlimited $0 stock, ETF and option trades with no trade or balance minimums.Footnote 5 Options contract and other fees may apply.Footnote \*\*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 pricing, visit [our Pricing page](https://www.merrilledge.com/pricing).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](https://www.merrilledge.com/pricing).Footnote 1 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 2 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.Footnote 3 You are eligible to enroll and maintain your membership in the Preferred Rewards program if you have an active, eligible Bank of America® personal checking account. Existing employees/retirees do not have to meet the three-month combined average daily balance to enroll in Preferred Rewards and qualify for the Platinum tier. New employees may have to wait up to one month to enroll to allow for the employee indicator to be updated. Employees/retirees can qualify for the Platinum Honors tier with $100,000, the Diamond tier with $1,000,000 and the Diamond Honors tier with $10,000,000 in 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). The qualifying balance is calculated based on your average daily balance for a three calendar month period. If you no longer meet the requirements for employee status, standard program terms apply. Employee benefit plans (such as 401(k)) will not count toward the combined balance requirement. 529 plans are included only if they appear on your Merrill statement, except 529 plans owned in UGMA/UTMA form which are not included. Benefits become effective within 30 days of your enrollment, or for new accounts within 30 days of account opening, unless we indicate otherwise. Certain benefits are also available without enrolling in Preferred Rewards if you satisfy balance and other requirements. For more information, refer to the Preferred Rewards section of the [Personal Schedule of Fees](https://www.bankofamerica.com/salesservices/deposits/resources/personal-schedule-fees/).\
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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 4 Please review the applicable [Merrill Guided Investing Program Brochure (PDF)](https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/merrill-edge-guided-investing-program-brochure.pdf) or [Merrill Guided Investing with Advisor Program Brochure (PDF)](https://olui2.fs.ml.com/publish/content/application/pdf/gwmol/guided-investing-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.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 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](https://www.merrilledge.com/pricing).\
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Footnote 5 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.MAP5473730-03142024

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* [Plan for Retirement](https://www.merrilledge.com/retirement-planning)
* [Plan for College](https://www.merrilledge.com/college-savings)
* [Create an Emergency Fund](https://www.merrilledge.com/guidance/starting-out/emergency-fund)
* [Create an Investment Strategy](https://www.merrilledge.com/guidance/investment-help)
* [Open an Account with Merrill](https://www.merrilledge.com/global-oao)

#### Discover Merrill

* [Why Merrill](https://www.merrilledge.com/why-merrill-edge)
* [Pricing](https://www.merrilledge.com/pricing)
* [Relationship details and fees](https://www.merrilledge.com/investing/making-informed-decisions)
* [Preferred Rewards](https://www.merrilledge.com/preferred-rewards)
* [Mobile Investing](https://www.merrilledge.com/mobile-investing)
* [Online Trading](https://www.merrilledge.com/investing/online-trading)
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#### Contact Us

888.637.3343

Connect with us:[![LinkedIn](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-social-icon-LinkedIn-22x20.png)](https://www.linkedin.com/company/merrill-edge)[![Twitter](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-social-icon-Twitter-23x19.png)](https://twitter.com/merrilledge)[![YouTube](https://www.merrilledge.com/Publish/Content/image/png/GWMOL/ME-social-icon-YouTube-20x14.png)](https://www.youtube.com/user/MerrillEdge)

#### Unlimited $0 Trades

With Merrill Edge Self‑Directed, get unlimited free online stock, ETF and option trades with no trade or balance minimumsFooter footnote bOptions contracts and other fees may applyFooter footnote a [Open an account with Merrill Edge Self-Directed](https://www.merrilledge.com/global-oao)

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](https://www.merrilledge.com/pricing).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 (Form CRS) (PDF)](https://olui2.fs.ml.com/Publish/Content/application/pdf/GWMOL/Client_Relationship_Summary_CRS.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 |

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