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Guidance & Retirement

 

A wealth of resources to help you pursue your financial goals

 
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Investment guidance

Tools, insights and people—there's always help available when and how you need it.
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Retirement planning

Starting your first job, retired or somewhere in between? What you need to know to be retirement-ready.

Life stage planning

Strategies for every stage of your 体育平台app life:
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Starting
out

How do you find the funds to start investing? First, get a handle on your finances and practice savings habits.
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Building
wealth

Learn how to balance competing financial goals during your peak earning years.
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Nearing
retirement

It's a sprint to the finish line. Assess where you stand today and make the most of the time you have to invest.
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In
retirement

These strategies could help you stretch your funds throughout your retirement.
Not sure where to begin?

New to investing?

Investing is an ongoing process: Prioritize your goals, select 体育平台apps, and make adjustments to help you stay on track. See how we can help.
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Goal planning

What do you want to achieve financially?
Learn more about:
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Life Events

What's in your future? We'll help you prepare for life events related to home, family, finances, health and work.
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Research & analysis of financial topics, events and trends
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Resources to help you make more informed decisions
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Tools & Calculators

Make more informed 体育平台app decisions
Ready to get started?
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Looking for a different approach to investing?
Get a professionally managed portfolio aligned to your goals that's built, monitored and rebalanced by Merrill 体育平台app professionals with the option to work with a licensed advisor.
$600
Get up to $600 when you invest in a new 体育平台app® Self-Directed account. How to qualify for up to $600 in a new 体育平台app Self-Directed account
You have choices about what to do with your employer-sponsored retirement plan accounts. Depending on your financial circumstances, 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 体育平台app options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and different types of protection from creditors and legal judgments. These are complex choices and should be considered with care. Visit our Rollover IRA page or call a Merrill rollover specialist at 888.637.3343 for more information about your choices.
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.
Did you know that there are two ways to move assets from one IRA to another? The most common is a transfer. This is when you transfer assets from an IRA held at one financial institution to an IRA at another. You may directly transfer assets between 体育平台app firms as frequently as you wish. The second, less common approach is called a rollover. Rollovers occur when you withdraw assets from an IRA and then "roll" those assets back into the same IRA or into another one within 60 days. IRS rules limit you to one rollover per client per twelve month period. If you have questions or want to learn more call 888-MER-EDGE or consult a tax advisor.

A direct rollover occurs when you request that a rollover check be made payable directly to the new custodian for the benefit of your individual retirement account (IRA) or employer-sponsored retirement plan. A direct rollover is not subject to tax or penalties.

An indirect rollover occurs when you request that a rollover check be made payable to you, after which you deposit the money into your IRA or another employer's retirement plan within 60 days. When such a distribution is made by the plan, the plan is required by law to withhold 20% of the taxable amount for prepayment of federal income taxes. If you wish to roll over the entire distribution, you must make up the 20% withholding out of your own funds, or you will be subject to income taxes and possibly early withdrawal penalties on the shortfall. If you fail to complete the rollover within 60 days, all or part of the money distributed to you will be taxable and a 10% additional tax for early withdrawals may apply.

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