Our services

Solutions for what matters most

Uncovering opportunities. Meeting challenges. Taking that next step forward. Whatever your goals, Merrill and Bank of America offer a wide range of solutions to help you get there.

Manage my finances

Unlock new possibilities for your wealth with Bank of America’s suite of banking products and services plus rewards for doing
what you already do. Your Merrill Advisor can provide access to specialists at Bank of America that can offer potential solutions to help you
better manage your spending and saving.

Checking

Accounts featuring tiered interest rates, relationship-based maintenance fee waivers and discounts on everyday Bank of America banking services.

Savings

A variety of savings solutions including money market accounts and CDs to support your savings goals.

Credit cards

A suite of exceptional credit cards with enhanced benefits, travel rewards and cash back options.

Cash Management

Solutions that offer seamless access to your cash and competitive yields. Convenience of cash management and investment services through your Merrill Cash Management Account® (CMA®).

Bank of America® Preferred Rewards

Our way of showing you our appreciation — with premium benefits and rewards around the different ways you work with us.

Mobile & Online Banking

Seamless, secure access enables you to view, monitor and manage your Merrill investment and Bank of America bank accounts in one place.

Borrow to fund my goals

Whatever your vision of the future, uncover new opportunities with help from your Merrill advisor. They can connect
you with Bank of America lending specialists who will work with you together to tailor solutions that meet your personal and business needs.

Mortgages

Managed from beginning to end with advice and guidance from a Bank of America Wealth Management Lending Officer.

Lines of credit

Flexible borrowing options with variable and fixed rate loan options such as lending against eligible securities in your Merrill investment account or the available equity in your home.

Custom lending

Loans, collateral options and terms tailored to your liquidity needs and financial situation.

Auto loans

Competitive rates for personal or business auto financing when buying a vehicle or refinancing.

Help grow my wealth

Discover untapped potential to help pursue your long-term goals. Drawing on our wide range of investments,
your Merrill advisor can design a personalized investing approach that’s right for you.

Premium Access Strategies

Enhanced customization and professional management for your portfolio

Investments

A wide range of investment solutions that can help you implement your personalized approach.

Merrill Lynch Investment Advisory Program (IAP)

Personalized advice, professional investment management and ongoing monitoring to help keep you on track.

Alternative Investments

Diversify your portfolio beyond traditional stock and bond strategies to include those with potential for increased returns and less volatility.

Sustainable and Impact Investing

Create positive social and environmental effects while targeting competitive financial returns.

Model portfolios

Professionally managed portfolios grounded in the insights of Bank of America's Chief Investment Office.

Save for the future

It’s never too early, or late, to plan for retirement, health care expenses and future education needs. Potential
solutions include:

Retirement accounts

Typically tax-advantaged investment accounts that may help you build wealth as you save for retirement.

Lifetime income in retirement

Annuities designed to help you save for retirement and efficiently turn those savings into income when needed.

Education savings

A tax-advantaged way to invest for a child’s or grandchild’s education expenses – like 529 accounts.

Health savings accounts

Help manage current and future health expenses not covered by insurance. Contributions are tax-deductible or pre-taxed through Bank of America Health Savings Accounts.

Protect my wealth

Make the most of what you’ve earned by protecting it against unexpected costs and market volatility.
Potential solutions include:

Life insurance

Protect your family, business and legacy against the financial loss from an unexpected death.

Annuities

Annuities can help protect retirement assets you’ve worked hard to accumulate from market volatility.

Long-term care insurance

Protect your wealth from the costs associated with a long-term healthcare event.

Plan the impact of my wealth

We’ll help you navigate the complexities and opportunities of bringing greater purpose to your wealth. Potential
solutions include:

The role of trusts

While trusts are a way to transfer wealth and help minimize estate taxes, they are also used to meet a far wider range of needs.

Personal philanthropy

Support the causes that matter most to you with a plan which can help pass along your personal values and create lasting, tangible results.

Fiduciary trust solutions

Bank of America provides specialized expertise, objectivity and continuity through a range of services. You can choose what level of support works best.

Take action

Uncover what matters to you

Work with your advisor to understand what is important to you now and what you want in the future. If you don’t have an advisor, we can help you find one.

Develop your path and your plan

Together, we’ll create a personalized plan fueled by powerful projections and predictive guidance that truly supports you.

Understand your choices and make it happen

Learn about your investment relationship and program options, then work with your advisor to set your plan in motion, drawing from a range of potential Merrill Investing and Bank of America Banking and Lending solutions.

Helping you review, track your progress

You can track your milestones, knowing there’s always flexibility to redirect your goals with your advisor’s support based on the expected and unexpected things life brings.