Merrill Lynch Investment Advisory Program

Personalized advice and investing with your goals at the center

At Merrill, we believe that your investments should be a reflection of you—your life, your priorities, your goals. That’s why we offer the Merrill Lynch Investment Advisory Program.

 

Background image for personalised advice and investing with your goals
Personalized advice and investing with your goals at the center

At Merrill, we believe that your investments should be a reflection of you—your life, your priorities, your goals. That’s why we offer the Merrill Lynch Investment Advisory Program.

 

At Merrill, you can choose from one or more programs and services based on your individual objectives, investment style, need for ongoing advice and interest in particular solutions.

Through the Merrill Lynch Investment Advisory Program, you’ll have access to:

A dedicated advisor who gets to know you

  • Advice tailored to your specific investment needs
  • A comprehensive financial strategy and recommendations to help grow and preserve your wealth
  • Choice to manage day-to-day investment decisions, or have your advisor do it for you

Disciplined investing

  • Investment professionals who draw from research and insights to help make sense of the financial landscape and markets
  • A broad selection of investment solutions, including custom managed portfolios driven by the thought leadership and methodologies of our Chief Investment Office1
  • Investment recommendations consistent with your risk tolerance, liquidity needs, time horizon and goals

Clear pricing and ongoing monitoring

  • Ongoing performance monitoring to help keep you on track
  • Regular reviews, easy-to-read documents and a single agreement
  • An annual fee based on a percentage of the assets in your account2

At Merrill Lynch, you can choose from one or more programs and services based on your individual objectives, investment style, need for ongoing advice and interest in particular solutions.

Through the Merrill Lynch Investment Advisory Program, you’ll have access to:

A dedicated advisor who gets to know you

  • Advice tailored to your specific investment needs
  • A comprehensive financial strategy and recommendations to help grow and preserve your wealth
  • Choice to manage day-to-day investment decisions, or have your advisor do it for you

Disciplined investing

  • Investment professionals who draw from research and insights to help make sense of the financial landscape and markets
  • A broad selection of investment solutions, including custom managed portfolios driven by the thought leadership and methodologies of our Chief Investment Office1
  • Investment recommendations consistent with your risk tolerance, liquidity needs, time horizon and goals

Clear pricing and ongoing monitoring

  • Ongoing performance monitoring to help keep you on track
  • Regular reviews, easy-to-read documents and a single agreement
  • An annual fee based on a percentage of the assets in your account2

 

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A program designed around you

You’ll work closely with your dedicated advisor for personalized advice and managed portfolios that fit your long-term objectives. Throughout your relationship with us, you’ll have access to ongoing monitoring of your performance, periodic rebalancing and regular reviews so you’ll always know where you stand and can take advantage of new opportunities in the market.

Let’s talk about your financial future
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a conversation about your goals.
Give us a call at 1.866.706.8321
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1 The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of BofA Corp. This in­formation should not be construed as investment advice and is subject to change. It is provided for informational purposes only and is not intended to be either a specific offer by Bank of America, Merrill or any affiliate to sell or provide, or a specific invitation for a consumer to apply for, any particular retail financial product or service that may be available.

2 The Investment Advisory Program fee is a combination of the fee rate for our Services, referred to as the “Merrill Lynch Fee Rate,” and, if applicable, the expense rate for the Style Manager’s services with respect to each Style Manager Strategy in an Investment Advisory Program account, referred to as the “Style Manager Expense Rate,” and is expressed as a percentage of assets, applied monthly to an Investment Advisory Program account. Other fees and expenses may apply. Subject to our sole discretion, we may consider, in addition  to the assets in your Investment Advisory Program account, certain assets and liabilities at Merrill Lynch held by you or others in determining the applicable Merrill Lynch Fee Rate from month to month. For more information, please see the Program Brochure.

SEC Share Class Selection Disclosure Initiative

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.

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. 

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.

Merrill Private Wealth Management is a division of MLPF&S that offers a broad array of personalized wealth management products and services. Both brokerage and investment advisory services (including financial planning) are offered by the Private Wealth Advisors through MLPF&S. The nature and degree of advice and assistance provided, the fees charged, and client rights and Merrill’s obligations will differ among these services. Investments involve risk, including the possible loss of principal investment.

The banking, credit and trust services sold by the Private Wealth Advisors are offered by licensed banks and trust companies, including Bank of America, N.A., Member FDIC, and other affiliated banks.

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.

Investment, 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

© Bank of America Corporation. All rights reserved.

3265362-EXP-2021-11-09

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