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Any information presented about tax considerations affecting your financial transactions or arrangements is not intended as tax advice and cannot be relied on to avoid any tax penalties. Neither Merrill Edge™ nor its Financial Solutions Advisors provide tax, accounting or legal advice. You should review any planned financial transactions or arrangements that may have tax, accounting or legal implications with your personal professional advisor. Bank of America and its affiliates are not tax or legal advisors. Face Retirement is not intended to offer any tax, legal, financial or investment advice and does not assure the availability of or your eligibility for any specific product offered by Bank of America, its affiliates or any other institution, nor does Face Retirement predict or guarantee the actual results of any investment product. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. You shall be fully responsible for any investment decisions you make, and such decisions will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, and liquidity needs. Please consult with qualified professionals to discuss your situation.
Merrill Edge is the marketing name for two businesses: Merrill Edge Advisory Center, which offers team-based advice and guidance brokerage services; and a self-directed online investing platform. Both are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S).
Investment Products:
| Are Not FDIC Insured | Are Not Bank Guaranteed | May Lose Value |
MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
©2013 Bank of America Corporation. All rights reserved.
* Offer valid for new Merrill Edge IRA or CMA accounts. Limit one offer per account and two per individual. IRAs limited to Rollover, Traditional, Roth and Sole-Proprietor SEP IRAs only. This offer does not apply to Business/Corporate Accounts, Investment Club Accounts, Partnership Accounts and certain fiduciary accounts held at MLPF&S. Merrill Edge reserves the right to change or cancel this offer at any time.
Cash Reward for New Accounts: Open a Merrill Edge IRA or CMA, fund the account within 30 days from sources outside Merrill Lynch and Bank of America, and maintain balance for 90 days. Assets held by 401(k) plans through Merrill Lynch are excluded. Cash reward qualifications: assets of $25,000 to $49,999 in cash and/or securities receive $100; for $50,000-$99,999, receive $150; for $100,000-$199,999, receive $250; for $200,000 or more, receive $600. Cash reward is a one-time deposit made within 30 days into your IRA or CMA after meeting qualifying criteria.
Free trades must be used within the 90 calendar days of the trial period, up to 300 trades total. Commission-free trades are only applicable in the new account and are limited to online equity and ETF trades. Standard commission rates apply when you exceed 300 free trades or after 90 days. Brokerage fees associated with, but not limited to, margin transactions, option trading, special stock registration/gifting, account transfer and processing, research request and termination apply. Trades are not transferable and apply only to the account receiving the offer. Free trades are not available for Sole proprietor SEP accounts or Merrill Edge Advisory Center accounts. To learn how to continue to receive 30 commission-free trades every month call 1.888.MER.EDGE (888-637-3343) or visit merilledge.com/pricing. Merrill Edge does not, and this offer is not meant to, promote day trading or solicit engagement in day trading activities. Day trading can be extremely risky. Investors are solely responsible for their own investment decisions, and should research any investment strategy carefully before investing.
Merrill Edge MarketPro™ Trial expires after 90 calendar days. Merrill Edge MarketPro™ is only available to Merrill Edge self-directed accounts. To learn about additional ways to qualify for Merrill Edge MarketPro™, see merrilledge.com/marketpro. Not available for employees of Bank of America or Merrill Lynch and business accounts.
Tax Disclaimer: The value of this reward you receive may constitute taxable income. In addition, Merrill Lynch may issue an Internal Revenue Service Form 1099 (or other appropriate form) to you that reflects the value of such reward. Please consult your tax advisor, as neither Bank of America, Merrill Lynch, nor its associates provide tax advice.
The results provided by the Face Retirement tool are intended for illustrative purposes only and accuracy is not guaranteed. The results should not be relied upon nor should they be deemed as investment advice.
IMPORTANT: The projections or other information generated by the Face Retirement tool regarding the likelihood of various future costs are hypothetical in nature and are not guarantees of future results. Assumptions concerning inflation are for illustrative purposes only. Any asset or portfolio earnings and/or returns shown or used does not reflect the cost of investing, including commissions or fees.
Data source: Bureau of Labor Statistics & USInflationData.com
http://www.usinflationcalculator.com/inflation/historical-inflation-rates/. Average rate of inflation was calculated by taking the average of the historical inflation rate data from 1914 to 2012. This rate is assumed to be increasing at an exponential growth.
We encourage you to consult with qualified professionals to discuss your situation.
