Investing in securities involves risks, and 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.Bank of America, Merrill, their affiliates, and advisors do not provide legal, tax or accounting advice. Clients should consult their legal and/or tax advisors before making any financial decisions.Bank of America is a marketing name for the Retirement Services business of Bank of America Corporation ('BofA Corp.' Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC.
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Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as 'MLPF&S'), a dually registered broker-dealer and investment adviser and.Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly-owned subsidiary of BofA Corp.Investing in stable value products is typically more involved than investing in other diversified fund offerings. Plan sponsors will need to sign participation agreements and other documents with the stable value product’s sponsor; will also be required to meet certain eligibility criteria; and such investments are typically subject to plan-level withdrawal restrictions that may limit plan liquidity.Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S.
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Trust Company of Delaware. Both are wholly-owned subsidiaries of Bank of America Corporation ('BofA Corp.' ).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, Member SIPC, and a wholly-owned subsidiary of BofA Corp.Investment products, insurance and annuity products.
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.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, and a wholly owned subsidiary of BofA Corp.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.Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.Banking products are provided by Bank of America, N.A. And affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.Investment products, insurance and annuity products.
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