Work one-on-one with a dedicated Merrill advisor to help you pursue your goals. Throughout your relationship, your advisor will remain your point of contact, maintaining a holistic view of your financial picture while bringing in an extended team of specialists to address other specific needs.
Your dedicated advisor starts by learning what you and your family want for your future. Then, together you’ll create a personalized investment strategy.
As life evolves, you and your advisor will adjust your strategy based on new priorities or in response to changes in the markets and economy.
For more information about our brokerage services and investment advisory programs, see ml.com/CRS.
We offer a wide variety of investment products. These products are available to you for investment based on factors such as account limitations, client and Advisor/FSA eligibility and our product approval process. Refer to Form CRS.
You should evaluate which solution is right for you considering your investment profile; your preferences on working with an Advisor you select or working on a self-guided basis; the types of services you want; the investment solutions available; and the Program fees.
Investing involves risk. 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 SIPC and a wholly owned subsidiary of BofA Corp.
Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Trust, fiduciary and investment management services are provided by Bank of America, N.A. and its agents, Member FDIC, or U.S. Trust Company of Delaware. Both are wholly-owned subsidiaries of Bank of America Corporation.
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, insurance and annuity products:
| 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 |
