Merrill Lynch Retirement & Benefit Plan Services


What Is Gethumans Relationship To Merrill Lynch

Pros, cons of commission-based retirement accounts

In short, the two companies are not related. GetHuman builds free tools and shares information amongst customers of companies like Merrill Lynch. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line listening to their call technology music. Weve created these shortcuts and apps to try to help customers like you navigate the messy phone menus, hold times, and confusion with customer service, especially with larger companies. And as long as you keep sharing it with your friends and loved ones, well keep doing it.

Merrill Lynch Contact Info

Merrill Lynchs Best Toll

This is Merrill Lynchs best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Merrill Lynch agent. This phone number is Merrill Lynchs Best Phone Number because 37,644 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-637-7455 include Account issue, Setup account, Cancel account, Question, Complaint and other customer service issues. The Merrill Lynch call center that you call into has employees from Florida, Arizona and is open 24 hours, 7 days according to customers. In total, Merrill Lynch has 3 phone numbers. Its not always clear what is the best way to talk to Merrill Lynch representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

With Whom Do We Share Your Personal Information

We may share the personal information we collect from and about you online described in this Notice with:

  • Affiliates and Subsidiaries of Bank of America such as Merrill
  • Service Providers, Vendors and Third Party Providers who have contracts with Bank of America
  • Government Agencies as required by laws and regulations

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Windstream Emerged From Bankruptcy On September 21 2020 Restrictions On Certain Forms Of Pension Payments Are Therefore Lifted

While in bankruptcy from February 25, 2019 to September 20, 2020, the Internal Revenue Code imposed restrictions on the way newly commenced benefits could elect to be paid from the Windstream Pension Plan.

Beginning with the Benefit Commencement Date of October 1, 2020, all forms of payment that were previously restricted due to bankruptcy, are now available.

The following forms of payment are no longer restricted:

  • Lump-sums other than payments of $5,000 or less
  • Social Security level income payments
  • 10-year certain only payments

How We Tailor Ads To You

Plan For Retirement Merrill Lynch Wealth Management
  • Advertising on our sites, mobile apps and off-line channels such as financial centers, call centers, and through direct marketing : We may use certain personal information about your activities on our Sites and Mobile Apps, such as pages visited and key words entered, to help determine which of our ads or offers may be of interest to you. We may use personal information about your relationship with us to help determine which advertisements or offers to present to you.
  • Advertising on non-affiliated third party sites and mobile apps: Bank of America contracts with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use personal information we have collected or that you have provided to assist our non-affiliated third party sites and mobile apps to select bank ads or offers that may appeal to you, display them to you and monitor your responses. Non-affiliated third party sites and mobile apps are not subject to Bank of America Privacy Notices.

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Benefits Designed Around The People And Companies We Serve

At Bank of America, we believe employers can positively impact their employees financial wellness by providing comprehensive financial education and solutions. We serve employers across the country by offering integrated retirement and benefit plan services that can help retain talent and

provide the support their employees are looking for.

Why us

The power and breadth of our resources allow us to provide a benefits program that meets the near-term and long-term needs of your employees.

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Protecting Your Personal Information

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third party service providers to ensure personal information remains confidential and secure. In the event of a data breach, we provide timely notification, in accordance with applicable laws. We also recognize the importance of protecting privacy where children are involved. Our Sites and Mobile Apps are not directed to individuals under the age of 13, and we request that these individuals do not provide personal information through our Sites and Mobile Apps. We do not knowingly collect personal information from children under 13.

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Our Online Privacy Practices

We are committed to transparency about your personal information. We ask for your consent when required, otherwise by using our Site and Mobile Apps, you consent to the collection, use and sharing of your personal information subject to and consistent with applicable laws and other notices you may have received based on your relationship with us.

Not Who Youre Looking For

The high cost of financial caregiving

Get to know some of our other financial advisors.

  • Get all the resources you need to stay on top of your financial goals

    Give us a call

  • New to Merrill?Connect with a financial advisor to learn more about how we can help you pursue your financial goals.3 options to find a new advisor:

    1. Have an advisor call you to discuss your goals. Just answer a few short questions to get started.

    2. Fill out the form below and weâll have an advisor contact you.

    SubmitBy providing your contact information above,you agree that a representative of Merrill, the Brokerage affiliate of Bank of America Corporation, may contact you via telephone and/or e-mail to discuss and/or offer investment products and services that may be appropriate for you. You agree that you are providing to us your consent for us to contact you regardless of any Do Not Call or Do Not Email privacy choices you may have previously expressed until you revoke this consent or up to ninety days. You may request to the advisor to revoke your consent at any time.


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    You Have A Plan For Your Business But What About Your Retirement


    Molly: I started designing jeans in my dorm room sophomore year. I never wanted to do anything else. 10 years later, I moved into this studio.

    Now that I’m established, I want to make good decisions about my finances. I have some savings, a personal IRA, a few bonds.

    But honestly, I don’t have time to think about dinner, let alone retirement.

    I have a plan for my business. So I wanted one for my retirement, too. But with all this going on, I needed something simple, affordable and easy to manage. And that’s where Merrill came in.

    When it comes to my future, every dollar counts. And with a retirement plan from Merrill, my business could benefit from potential tax advantages while I plan for retirement. And as I grow, Merrill could help meet my changing needs.

    But it’s not just about me. My employees pour their life into what they do. So I owe it to them to provide a retirement plan that they deserve.

    Merrill helped me understand that having a retirement plan doesn’t have to be complicated. I get personalized solutions based on my needs. And I’m not alone. I work one-on-one with a licensed Merrill Financial Solutions Advisor to consider my retirement plan options. So no matter how big or complex my company becomes, I always get the help I need.

    I’ve been lucky my business has really taken off. But who knows where my business or I will be in 20 years? It feels good to know I have a strategy for my future.

    Investment products:

    Healthcare Expenses And Long

    Designed with your needs in mind, our health and benefit account solutions can help you offer a competitive benefit plan to your employees.

    Health Savings Account

    Because Health Savings Accounts play a role in long-term financial wellness, we place a primary focus on education and engagement to help your employees fully understand how their HSA fits within their overall financial picture.

    Available to employers of any size, Bank of America’s flagship HSA for Life®2 works with all High Deductible Health Plans that typically offer lower monthly premiums than traditional health insurance plans, thereby saving you and your employees money.3 Employees may incur higher out-of-pocket costs with the HDHP and contributing to an HSA can help them be prepared to cover the higher expenses. Pairing an HDHP with an HSA could help reduce their overall benefit costs, putting your employees in charge of how they manage their healthcare expenses now, and in, retirement.

    The HSA made available by Bank of America, N.A. is a portable healthcare account with integrated investments and potential triple tax advantages3 to help employees keep more of their money:

    • Contributions can be made pre-tax
    • Any interest or investment gains grow tax-free
    • No taxes on withdrawals for qualified healthcare expenses
    • “Use it or lose it” rules do not apply and funds carry over year after year5

    Flexible Spending Account 4

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    What Are Bank Of America Employee Benefits

    We offer quality health and insurance benefits and continue to provide wellness programs and resources, such as annual health screenings and the Get Active! challenge to provide employees access to resources for a healthy lifestyle and help manage health care costs.

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    Everything You Need Anytime Anywhere

    merrill lynch pierce® and the MyMerrill® mobile app keep you connected â so that you can securely communicate with your advisor and see your full financial picture. Just link your Merrill and Bank of America accounts, and your day-to-day finances will appear alongside your long-term investments. You can instantly transfer funds between eligible accounts, deposit checks, scan and send documents and access our latest insights.2

    With 24/7 monitoring and advanced features, including activity alerts, Secure Message Center, Mobile Easy Sign and Fraud Protection Guarantee, you can be confident youâre protected.

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    How Do I Close My Merrill Lynch 401k Account

    4.6/5closeMerrill Lynch accountcloseaccount

    Also know, how do I close my Merrill Lynch account?

    You should send a closure request to the broker by logging into the Merrill Edge site and using the internal messaging system. You could also call the broker at 1-877-653-4732 and speak with a live agent. If youre outside the United States, you should call 1-609-818-8900 instead.

    Furthermore, how do I contact Merrill Lynch 401k? If you do not receive your User ID, or have any questions, please the Merrill Lynch Retirement and Benefits Contact Center at 1-866-820-1492 or 609-818-8894 .

    Also know, how do I withdraw my 401k early from Merrill Lynch?

    To start your withdrawal youll need a One Time Distribution form from Merrill Lynch. You must fill it out with your personal information, including your name, date of birth, phone number and Merrill Lynch retirement account number. This information must be accurate to avoid delays in getting your funds.

    How long can an employer hold your 401k after termination?

    If you get terminated from your job, you have the ability to cash out the money in your 401 even if you havent reached 59 1/2 years of age. This includes any money youve contributed and any vested contributions from your employer plus any investment profits your account has generated.

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    Linking To Other Sites

    We may provide links to non-affiliated third party sites, such as credit bureaus, service providers or merchants. If you follow links to sites not affiliated with or controlled by Bank of America, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites and Mobile Apps. Bank of America does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

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    What Happens To My Pension When I Die

    The scheme will normally pay out the value of your pension pot at your date of death. This amount can be paid as a tax-free cash lump sum provided you are under age 75 when you die. The value of the pension pot may instead be used to buy an income which is payable tax free if you are under age 75 when you die.

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    Global Wealth And Investment Management Retirement And Personal Wealth Solutions Summer Analyst Program

    Bob Guillocheau, President and CEO of Ascensus, interview with International Business Times

    Job Description & Program Overview

    Global Wealth and Investment Management provides comprehensive wealth management solutions to affluent and high-net-worth clients. It also provides retirement and benefit plan services, philanthropic management and asset management to individuals and institutions.

    Retirement & Personal Wealth Solutions serves the core financial needs of individual clients, employers and plan participants by providing personal and institutional retirement solutions which include administration, recordkeeping and consulting services. RPWS is responsible for the development and execution of a comprehensive set of personal wealth and retirement products and services through Bank of America, Merrill Lynch, US Trust and Merrill Edge. RPWS provides tools and content that enables advisors and bankers to help their clients live better financial lives.

    Our GWIM Summer Analyst Program is designed to offer you a structured 10 week internship including extensive on the job training, in addition to educational speaker events, coaching and mentorship. Through the interview process, interns will be placed in one of the following areas:



    • 3.2 minimum GPA preferred
    • Technical skills such as Excel and PowerPoint

    Bank of America is unable to consider candidates that will require visa sponsorship now, or in the future, for this specific role.

    Travel: On needs basis

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    How Do We Collect Personal Information Online

    We collect personal information about you through your computer, smartphone, tablet or other mobile device by the use of cookies and similar tracking technologies as well as personal information you provide when you visit or use our Sites and Mobile Apps, for example when you:

    • Apply for or open a new account
    • Register for a new product or service, or request information about a product or service
    • Complete a survey, contest or sweepstakes or other promotion or,
    • Use aggregation services such as My Portfolio® and My Financial Picture® in order to consolidate your financial account or information at one online location.

    We may use service providers and vendors to process personal information for business purposes on our behalf. Service providers and vendors are contractually obligated to comply with our policies to protect information we share with them or they collect on our behalf.

    The personal information we collect is limited to what is required to provide our products or services and to support legal and risk requirements. For additional information, please review the How do we use your personal information section of this Notice.

    I Forgot My User Id And Requested That It Be Emailed To Me Why Havent I Received The Email

    We have recently undergone a security migration update that will require you to confirm your email address in our systems before we can email your User ID. If you have not completed the security migration, we will not be able to send this through email. You can call a Merrill Lynch representative at your plans toll-free number for further assistance.

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    How Do We Use Your Personal Information

    Personal information collected from and about you online described in this Notice may be used for many purposes such as:

    We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely delete personal information as soon as legally permitted.

    We retain personal information for a period of time as required by laws and regulations and the necessary business purpose. We securely delete personal information as soon as legally permitted.

    A Wide Array Of Unbiased Investment Choices

    Why more advisers are telling clients not to retire

    Making the best possible investment decisions for your plan is critical to its success. Whether your advisor is providing investment advisory services or you are considering hiring a third party for this support, ADP offers two distinct options for selecting investments:

    • Our open-fund architecture provides access to over 13,000 nonproprietary investment options from 300+ investment managers. You and your advisor can compare and evaluate funds to find the right candidates for consideration.
    • Our screened investment tiers put simplicity at the forefront by offering fund tiers that have been evaluated and are organized based on ADPs underwriting criteria.2

    In both options, as an independent record keeper, ADP is able to provide investment options without any bias or agenda.

    A separate, indirect subsidiary of ADP, Inc., ADP Strategic Plan Services, LLC provides fiduciary investment management services. including the analysis, selection, monitoring, and if necessary, replacement of investment options on behalf of employer-sponsored retirement plans.

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    Control Risk And Reduce Your Fiduciary Burden

    Today, the Employee Benefits Security Administration, part of ERISA, is actively overseeing, and ensuring the integrity of, the private employee retirement system in the U.S. Sponsoring a retirement plan makes your company responsible for the investment selection and monitoring associated with your plan. Thats often more than most small or midsized companies want to take on. ADP can help you reduce this investment fiduciary burden.

    • For plans working with an advisor, Mesirow Financial offers co-fiduciary or investment manager services, depending on the support needed.3
    • For plans not working with an advisor, ADP’s affiliate, ADP Strategic Plan Services, LLC, is available.4

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