Help to save on taxes for your business
today and be ready for retirement tomorrowFind out how Merrill Edge® Small Business Retirement Plans can help you save money on taxes.

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Whether you're self-employed or have a company with hundreds of employees, Merrill Edge® makes it easy to find a retirement solution. With a Small Business 401(k), SEP IRA and SIMPLE IRA — we offer plans tailored to fit your business needs. No matter which you choose, you can get easy setup, manageable costs and simple administration. And best of all, even if you already have an existing plan with another provider, you can transfer them to a Merrill Edge®.

Watch this video to learn more about what Merrill Edge® can do for you.

Learn about the benefits of our Small Business 401(k), SEP IRA and SIMPLE IRA retirement plans below. You can also view their features side by side with our comparison chart.Comparison Chart

Compare the benefits of our 401(k), SEP IRA and SIMPLE IRA plans to find the one that's best for you.

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401(k) Plan SEP IRA SIMPLE IRA
For corporate employers, the self-employed, sole
proprietorships, partnerships, non-profits1
Both the employer and the employee can make contributions
May be able to exclude part-time employees
After-tax or Roth contributions
Loans are an available option
Employer contributions are discretionary
Contributions are immediately vested2
Contributions are generally tax deductible by the business
Plan expenses are generally tax deductible by the business
No IRS Form 5500 filing is required3

Merrill Edge® Small Business 401(k) offers you and your employees the retirement benefits you deserve. With Merrill Edge®, you can get a 401(k) plan designed with features that help meet the unique needs of your business, at a price that fits your budget.

  • Setup fee waived for a limited time — a savings of up to $390 or more.1 Other administrative or transactional fees may apply.
  • Potential for tax benefits for your business
  • Investments selected and managed by Morningstar Associates, LLC, helping you manage some of your fiduciary responsibilities
  • A simplified and secure online setup process, with call-center support if you need it
  • Your business may be eligible for up to a $500 tax credit for the first three years if this is your first 401(k) plan and you have employees
Merrill Edge® Small Business 401(k)
Learn more

Or talk to a Merrill Edge® Financial Solutions Advisor™ for Small Business at 855.667.9451

401(k) plan Fact Sheet

Merrill Edge® Small Business SEP IRA is designed to accommodate the variable revenue streams of small businesses, and provides the opportunity for significant tax benefits. A SEP IRA is a good way to reward your employees while giving you the ability to contribute to your own retirement savings.

  • Get up to $600 added to your new account2
  • High annual contribution limits versus an individual IRA — up to $52,0003
  • Flexible employer contribution options from year to year, depending on your cash flow
  • A wide range of investment options for you to choose from
  • When you open a SEP IRA with at least $5,000, Merrill Edge® will waive the annual custodial fee for life. Investments may be subject to commissions, loads, and operating expenses. Fees may also apply for certain transactions including account closure.
  • No program or administrative fees apply to a SEP opened online. Custodial fees may apply to a SEP opened with guidance from a Merrill Edge® Financial Solutions Advisor™ for Small Business
  • Little to no paperwork required and filing with the IRS is not necessary
Merrill Edge® Small Business SEP IRA
Learn more

Or talk to a Merrill Edge® Financial Solutions Advisor™ for Small Business at 855.667.9451

SEP IRA Fact Sheet

Merrill Edge® Small Business SIMPLE IRA is designed for employers who want to offer their employees the opportunity to invest in their retirement. With a SIMPLE IRA, you'll get many of the benefits of a SEP IRA as well as the ability to match employee contributions.

  • A good option for businesses with predictable cash flows
  • A wide range of investment options for you to choose from
  • Employer contributions are generally tax-deductible to your business
  • Employees can contribute with pre-tax salary deferrals
  • Filing with the IRS is not necessary
  • Mandatory employer contributions help employees' accounts accumulate wealth
Merrill Edge® Small Business SIMPLE IRA
Learn more

Or talk to a Merrill Edge® Financial Solutions Advisor™ for Small Business at 855.667.9451

SIMPLE IRA Fact Sheet

Retirement Plans for Small Business

Get the retirement plan that fits your needs.
Talk to a Merrill Edge Financial Solutions Advisor™
for Small Business today.

Important information »

Call 855.696.6411
Monday-Friday
8am-10pm ET

Onscreen disclosure 1: Please read important information at the end of this video.

Onscreen disclosure 2: Hypothetical small business owner is a paid actor. Not representative of any specific client experience.

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 Edge came in.

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

Voiceover: To learn more, call 855.696.6411 to speak with a Merrill Edge Financial Solutions Advisor for Small Business.

To learn more, contact a Merrill Edge Financial Solutions Advisor™ for Small Business.
Call 855.696.6411
Monday-Friday, 8am-10pm ET

The case studies presented are hypothetical and do not reflect specific strategies we may have developed for actual clients. They are for illustrative purposes only and are intended to demonstrate the capabilities of Merrill Edge. They are not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.

Merrill Edge does not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Merrill Edge

To learn more, contact a Merrill Edge Financial Solutions Advisor™ for Small Business.

Call 855.696.6411
Monday-Friday, 8am-10pm ET

Merrill Edge® is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BAC.

Investment products:

Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value

© 2014 Bank of America Corporation. All rights reserved.

The case studies presented are hypothetical and do not reflect specific strategies we may have developed for actual clients. They are for illustrative purposes only and are intended to demonstrate the capabilities of Merrill Edge. They are not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.

Merrill Edge does not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state or local tax penalties. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Merrill Edge® is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing. MLPF&S is a registered broker-dealer, member SIPC and a wholly owned subsidiary of BAC.

Investment Products:

Are Not FDIC InsuredAre Not Bank GuaranteedMay Lose Value

© 2014 Bank of America Corporation. All rights reserved.

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