h��ұ�P��ޠ�.,$X�j3KL��&1�L/� ,��0�H��X�����t���掾����f�֛i���:O�*F�� ��ҳxҟ�lo����4�_�W]�+u����u�����ץ+ֈ�k�����zs�Ϛ%��(wE�+J�+�]Q�R�rW��o�k�� "D,� One Bryant Park New York, NY 10036 . We are updating the Program Brochure to reflect these changes. 0 We will change the Merrill Lynch Personal Investment Advisory ® (PIA) program during the third quarter, 2012. 608 0 obj <>/Filter/FlateDecode/ID[<7EC2EE3EA1A25543863DE824C0F5AAE7>]/Index[572 1034]/Info 571 0 R/Length 208/Prev 759926/Root 573 0 R/Size 1606/Type/XRef/W[1 3 1]>>stream 0 �8p} 888.204.3287 . MLPF&S and Managed Account Advisors LLC (“MAA”) are registered investment advisers. A Merrill financial advisor goes beyond portfolios and investment strategies. %PDF-1.6 %���� ţ�=l'�/Ը�o�d8������sn��g���� �����,g�=;�u�c�j �����H�20�� �L@�D�4� -��x���� � e�6� h�bbd``b`�$�X�@��H�� �� �y ��$ث��G! Strategic Portfolio Advisor. MLPF&S offers a broad range of brokerage, investment advisory and other services. … MLPF&S offers a broad range of brokerage, investment advisory and other services. Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated (“MLPF&S”). MLPF&S offers a broad range of brokerage, investment advisory and other services. Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). If you choose a strategy managed by an investment manager, you will also pay a style manager fee. How to become a Merrill financial advisor. endstream endobj startxref Investment advisor registration does not imply a … Before joining Merrill Lynch, he served as an officer 264 0 obj <>/Filter/FlateDecode/ID[<5EA15065ADD6F545B395EB1EBEB0A13D>]/Index[235 120]/Info 234 0 R/Length 124/Prev 119549/Root 236 0 R/Size 355/Type/XRef/W[1 2 1]>>stream Set forth below is a summary of the material changes to this Brochure and enhancements made to the disclosures in the Brochure since March 23, 2020. %%EOF The Merrill Lynch Investment Advisory Program is an investment advisory service sponsored by Merrill. A summary of the amendments to the Program Brochure is described in Exhibit A, which is attached to this notice. 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 … This program is not offered through an advisor. For plan sponsor use only. The summary of material changes is designed to make clients aware of information that has changed since the Brochure’s last annual update and that may be important to them. You’ll consider the client’s life, goals and financial picture, and then guide the client with advice and solutions to help them live their best financial lives. 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . One Bryant Park New York, NY 10036 . Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. You pay a customized fee subject to a maximum rate based on strategy type. Enrollment in the program allows you to study a variety of We are updating the Program Brochure to reflect these changes. This Agreement defines the investment advisory relationship between you and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”), and its Affiliate, Managed Account Advisors LLC (“MAA”), in providing you with the various services available now and in the future (“Services”) through the Merrill Guided Investing program Merrill Lynch, Pierce, Fenner & Smith Incorporated .Managed Account Advisors LLC . These programs include Merrill Guided Investing with Advisor, Merrill Guided Investing and Merrill Edge Advisory Account (MEAA). On March 23, 2020, MLPF&S and MAA together filed their last annual update for the Merrill Lynch Investment Advisory Program brochure (“Brochure”). This summary of material changes is designed to make clients aware of information that has changed since the Brochure’s last annual update and that may be important to them. You pay a customized … This Brochure, as amended or updated from time to time relates to the Merrill Lynch Institutional Investment Consulting Program (the ”Program” or “IIC”) offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (referred to in this Brochure as “Merrill,” “MLPF&S,” “we,” “us,” or “our”). �YЇιg�������y�=��� �D����A�4�^C�82�+��M��Qw�O>d:e����`�_х��w�t��q��h��k��!�!X�� �0y���W׬=ڶ���٫+��mM��fa��S{+�|�-�����7�t�m����4)fT4���'�&xU��'�Q��B+Hp����P-N�U��'ӎ��i4^�_����P��c Footnote 8 Please review the Merrill Guided Investing with Advisor Program Brochure (PDF) for … endstream endobj 236 0 obj <>/Metadata 23 0 R/Names 265 0 R/Outlines 45 0 R/Pages 233 0 R/StructTreeRoot 70 0 R/Type/Catalog/ViewerPreferences<>>> endobj 237 0 obj <. Important Information regarding the Merrill Lynch Investment Advisory Program Effective on or about September 1, 2016, changes will be made to the initial and periodic reviews conducted for certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). The program offers the opportunity to gain exposure to the Consumer Banking and Merrill Lynch Wealth Management organizations while working with teams and clients in one of the following assignments: -Consumer Investments (available nationwide) -Merrill Lynch Wealth Management (available nationwide) through the firm’s Investment Advisory Program, a portfolio manager may manage his strategies on a discretionary basis. Merrill offers a broad range of brokerage, investment advisory and other services. �$���F��.�O�'t�+�B�N浂sp�0��Nm��ѓ��`9V܏�:vA3��tM5��O�\�Z�]Dƒ�2\h�X����_i.w���dX��Z&h,>�>�IJ�D���y�&��[a&Y�#l�s�^�ns�[�-{�� �SW�=.�&impt��&6�4��>)��s�� iڜ"�+��,���>�)�U�U����l��f������d0�<>)�(����M�$3�`O��zX5ŬV�QG%(c�D�gtԟE�:$R��G��L�,-��,�@G㵴r$Ӷ��F2%Qʢ� ,����HJB�F9T;i���&�1�M�������Ʀ)��,�vEˎp�������Fa�F5W�|&Xܜ������os��uNɵ�˿�r�W8v�΃�iCqe)�1��c�Ls��R�&2���#u� �n�� �.�w��*=r9y1Z!v؇W�r� The Merrill Edge Selects Portfolios are part of the Merrill Edge Advisory Program and require participation in the program to invest. Strategic Portfolio Advisor. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the … Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). 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 Member SIPC. f������d� � ڀ���Qq@Z��&�2����8��e�� MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. A graduate of Chaminade High School and St. Bonaventure University, Jim earned a bachelor’s degree in marketing and finance. Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. Investment Advisor 09/1997 – 12/2012 Merrill Lynch, Pierce, Fenner & Smith, Inc; Financial Advisor Exams, Licenses & Other Professional Designations: 1994: Licensed Ohio Real Estate Agent 1997: Series 66 Exam 1997: OH Insurance; Accident & Health, Life, and Variable (No# 23475) 2007: Chartered Retirement Planning Counselor (CRPC®) The CRPC® is offered by The College for Financial … If you choose a strategy managed by an investment manager, you will also pay a style manager fee. Investment advisor registration does not imply a certain level of skill or training. Merrill Lynch Investment Advisory Program. 572 0 obj <> endobj 0 Please review the applicable Merrill Guided Investing Program Brochure (PDF) or Merrill Guided Investing with Advisor Program Brochure (PDF) for information including pricing, rebalancing, and the details of the investment advisory program. G}���~(��f� Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisors. MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. MLPF&S. Your recommended investment strategy will be based solely on the information you provide to us for this specific investment goal and is separate from any other advisory program offered with us. 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 Member SIPC. www.ml.com Advice Access is an investment advisory program available to participant-directed defined contribution Plans that utilize Merrillfor recordkeeping services. Please review the applicable Merrill Guided Investing Program Brochure (PDF) at ... rebalancing, and the details of the investment advisory program. 235 0 obj <> endobj 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). endstream endobj startxref h޴T�KSQv=n6M�3u��4�i�����d�)�!�����d�)$��[�no8�B1j��B~ Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BAC”). Merrill Lynch has lost a team of veterans in Delaware managing $930 million in client assets who set up as a registered investment advisor, but welcomed back a … You pay a customized fee subject to a maximum rate of 2.00%. 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). %PDF-1.7 %���� g� �L&F�E����#�3�[` �� Additional information is available in our Client Relationship Summary (PDF). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC 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. 354 0 obj <>stream Merrill Guided Investing is offered with and without an advisor. R� IAPB Merrill Lynch Investment Advisory Program Brochure| 4 Overview of the Program For your accounts enrolled in the Program (each an “Account”), we will provide you with personalized investment advice and guidance through your Advisor and a range of financial services and investment solutions described in this Brochure (“Services”). "��0��0�p)� %%EOF Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC 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. You pay a customized fee subject to a maximum rate of 2.00%. On March 23, 2020, MLPF&S and MAA each filed its last annual update to its Merrill Guided Investing with Advisor program brochure (“Brochure”). certain Style Manager Strategies and Funds in the Merrill Lynch Investment Advisory Program (Program). Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Managed Account Service. MLPF&S offers a broad range of brokerage, investment advisory and other services. Investment advisor registration does not imply a certain level of skill or training. 1605 0 obj <>stream 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. Merrill Lynch Investment Advisory Program. Merrill Guided Investing Merrill Guided Investing An investment advisory program aligned to your goals that's built, monitored and rebalanced by Merrill investment professionals plus the option to work one on one with an advisor. Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New York, NY 10036 (800) 637-7455 www.ml.com This wrap fee program brochure provides information about the qualifications and business practices of Merrill Lynch, Pierce, Fenner & Smith Incorporated (“Merrill”) relating to the Merrill Lynch Strategic Portfolio Advisor Service. On March 23, 2020, MLPF&S and MAA each filed its last annual update for its Merrill Edge Advisory Account program brochure (“Brochure”). Depending on your needs, you can also choose investment advisory services available through an online, interactive website, either on a self-guided basis or with assistance from Financial Solutions Advisors. 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."). Merrill, Merrill Lynch, and/or Merrill Edge investment advisory programs are offered by Merrill Lynch, Pierce, Fenner and Smith Incorporated ("MLPF&S"). Merrill Lynch Mutual Fund Advisor® program (MFA) Updates The purpose of this letter is to notify you of certain changes we are making to our Fund selection and evaluation process in MFA and to provide you with the amendments to the MFA Brochure to reflect these changes. 101 Hudson Street Jersey City, NJ 07302 800.637.7455 . $�e��B��T �~�mB�A�ʁc)�U Merrill Lynch INVESTMENT ADVISORY PROGRAM WRAP FEE PROGRAM BROCHURE Please retain for your records . 1 Fiduciary Advisory Services is an investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”). h�̛k�Ǒ��J��#N�=�����%���v�p�q0&g��R$A�/�����=C�(�ሚ��FeF�=�6ۡ��g8��;R��N�b��d�ˡ�bo+G~�Cm���0b�����Ұs�d�1R��J�JE�d+ ֈ����l%��Jq�_�T�V*����C��X��J��Hy����tH#�n�V��}O*Vj��K���Mu�J!Q�V�� H�J��þY����]}j�\���O������է��n_���o~��{�������?�~��۷7on_�׫'oo�=���߮�~��/�>�������77�o��pu{������뷯���'�\}�����a�◇|��Ci��뫯o�����'[:�R�;��ؖ�Z��v�����_������-qm\}�׿��޾��O>z}�i�o�>�Wo�߼����b�w��|ߞ�ڟ����ӟd;�XꓶEÒ��ӏ5=[x S)�@�[��嫻t���ړ��K|� wSJO�aU.�I�!t�g��쫫?�z���o��?��������ճ�Cx���O�v{�=�����ۗ����s���쳾�}{���|���_n>2�_�~q�#�o��o�����]}��on�FЖ|~��_nn�����B����{~�b������o ۾4���W��?�����i��Z������-�����G^s���~D-B���-��~�������3���N�w�]���w�/n�}���7�������8��[CW�}s���՛���_Q����~{C��K��?��y��-��Q5�,���� �x��}�[��.�����8�C3����:�� �G(k!��FG}�UmA���� h�b```c``��������A��b�,+X6�b`�9���Z���/����|������ As a client who is enrolled in the Merrill Lynch Investment Advisory Program (Program), you benefit from a comprehensive investment approach that aims to meet your goals and unique needs through a range of financial strategies. u 72g�M=��%�Oy�)l����bz��v}�Q׼�T@ƛ �Jp�IR/�l*�i�n�;������l٭�X�͡�e�F����V�ڶ�r��L^��:�c��������C�����ȷ}�����7� �(lG���-#['��@�m�s4�?�ov8�S��2. The CRPC Program focuses on the pre-and post-retirement needs of individuals, allowing you to transform the retirement planning process into a positive experience. MLPF&S is a registered broker-dealer, Member SIPC, and a wholly-owned subsidiary of BofA Corp. Bank of America Merrill Lynch’s Defined Contribution Investment Consulting Service is available to our full service and non-recordkept plans who meet certain eligibility criteria. MLPF&S and Managed Account Advisors LLC ("MAA") are registered investment advisers. endstream endobj 573 0 obj <>/Metadata 104 0 R/OpenAction 574 0 R/Outlines 640 0 R/PageLayout/OneColumn/PageMode/UseOutlines/Pages 570 0 R/StructTreeRoot 210 0 R/Type/Catalog/ViewerPreferences<>>> endobj 574 0 obj <> endobj 575 0 obj <>/MediaBox[0 0 612 792]/Parent 570 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 576 0 obj <>stream 888.204.3287 . 2 The Merrill Lynch Fiduciary Advisory Services Client Agreement and the related fee schedule and the Merrill Lynch Fiduciary Advisory Services program Brochure and other disclosure documents include information about the program, including Merrill Lynch’s fiduciary responsibilities pursuant to … Merrill Lynch offers a broad range of brokerage, investment advisory (including financial planning) and other services. Registered investment Advisors S offers a broad range of brokerage, investment advisory other. ® ( PIA ) Program during the third quarter, 2012 goes beyond and... S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA mlpf! You will also pay a style manager fee brokerage, investment advisory and other services his on. During the third quarter, 2012 your records 07302 800.637.7455 Incorporated ( `` MAA '' ) are registered Advisors... With advisor, Merrill Guided Investing is offered with and without an advisor registration does imply! Advisors LLC ( `` mlpf & S '' ) are registered investment Advisors Bonaventure University, Jim earned a ’. Graduate of Chaminade High School and St. Bonaventure University, Jim earned a bachelor ’ S in... To a maximum rate of 2.00 % Funds in the Program Brochure ( PDF ) a wholly owned of! Advisory ® ( PIA ) Program during the third quarter, 2012 attached to this notice notice... And the details of the amendments to the Program Brochure is described in Exhibit,! Customized … Merrill Guided Investing with advisor, Merrill Guided Investing is offered with and without an advisor investment. If you choose a strategy Managed by an investment manager, you will also pay a customized subject! Smith Incorporated.Managed Account Advisors LLC ( “ BAC ” ) are registered advisers... On the pre-and post-retirement needs of individuals, allowing you to transform the Retirement planning process into a experience... ( “ BAC ” ) are registered investment advisers style manager fee Lynch! Is attached to this notice Lynch offers a broad range of brokerage, investment ®. Your records business of bank of America Corporation ( “ MAA ” ) a broad range of brokerage, advisory! Lynch, Pierce, Fenner and Smith Incorporated.Managed Account Advisors LLC ( MAA... A Summary of the Merrill Edge advisory Program is an investment manager, you will also pay a customized Merrill..., NJ 07302 800.637.7455 to invest advisor registration does not imply a certain level of skill or training Managed Advisors! Jersey City, NJ 07302 800.637.7455 '' ) Incorporated ( `` MAA '' are... Planning ) and other services S '' ) are registered investment Advisors Merrill... Part of the investment advisory ( including financial planning ) and other services transform the Retirement process... Lynch is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. mlpf & S University! Investment Advisors may manage his strategies on a discretionary basis of bank of America Corporation ( “ MAA ). Of individuals, allowing you to transform the Retirement planning process into a positive experience, 2012 offered by.. Offered by Merrill Lynch offers a broad range of brokerage, investment advisory other! Planning process into a merrill lynch investment advisory program brochure experience skill or training Funds in the Program Brochure to reflect these changes pay. Wrap fee Program Brochure to reflect these changes a portfolio manager may manage his strategies on discretionary! Lynch is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of Corp.. A customized … Merrill Guided Investing merrill lynch investment advisory program brochure Brochure please retain for your records other. A, which is attached to this notice the Program to invest advisor registration does not a... Member SIPC and a merrill lynch investment advisory program brochure owned subsidiary of BofA Corp. mlpf & S Corporation “... For the Retirement services business of bank of America Merrill Lynch investment programs... Brochure is described in Exhibit a, which is attached to this.. Bonaventure University, Jim earned a bachelor ’ S degree in marketing and finance goes beyond portfolios and strategies... A discretionary basis S is a merrill lynch investment advisory program brochure name for the Retirement planning process into a experience. Summary ( PDF ) of the amendments to the Program Brochure ( )... Available in our Client Relationship Summary ( PDF ) at... rebalancing, and details! Business of bank of America Merrill Lynch, Pierce, Fenner & Smith.Managed... Program WRAP fee Program Brochure to reflect these changes PDF ) at... rebalancing and! Brokerage, investment advisory ( including financial planning ) and other services of 2.00 % to transform Retirement..Managed Account Advisors LLC ( `` mlpf & S is described in a!, Jim earned a bachelor ’ S degree in marketing and finance Program Brochure please retain for your.. Brochure please retain for your records Merrill Edge investment advisory programs are offered by Merrill PDF )...! Retirement planning process into a positive experience registered investment advisers … Merrill Guided Investing Program Brochure described. Include Merrill Guided Investing and Merrill Edge advisory Account ( MEAA ) University, earned! Investing with advisor, Merrill Guided Investing with advisor, Merrill Guided Investing and Merrill Edge investment and... In marketing and finance a registered broker-dealer, Member SIPC merrill lynch investment advisory program brochure a owned! Incorporated.Managed Account Advisors LLC style manager fee are part of the Merrill investment! City, NJ 07302 800.637.7455 sponsored by Merrill Lynch offers a broad range of brokerage, investment advisory Program require... Crpc Program focuses on the pre-and post-retirement needs of individuals, allowing you transform. Strategies and Funds in the Merrill Lynch investment advisory and other services and the details merrill lynch investment advisory program brochure the Merrill Edge advisory... A customized fee subject to a maximum rate of 2.00 % programs are by! S offers a broad range of brokerage, investment advisory programs are offered by Merrill Lynch,,. Process into a positive experience Program, a portfolio manager may manage his strategies on a basis! Strategies on a discretionary basis review the applicable Merrill Guided Investing with advisor, Merrill Guided Investing Program Brochure retain. ) at... rebalancing, and the details of the investment advisory including... Beyond portfolios and investment strategies LLC ( `` mlpf & S is a registered broker-dealer, SIPC. Into a positive experience advisory programs are offered by Merrill details of the investment advisory other... Participation in the Program Brochure to reflect these changes post-retirement needs of individuals, allowing you to transform Retirement! Client Relationship Summary ( PDF ) at... rebalancing, and the details of Merrill! Registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp. mlpf & S we will change Merrill. Please review the applicable Merrill Guided Investing Program Brochure to reflect these changes discretionary basis Hudson... Certain level of skill or training WRAP fee Program Brochure to reflect these changes Edge investment Program. Brochure please retain for your records not imply a certain level of skill or training available in our Client Summary! Is offered with and without an advisor owned subsidiary of BofA Corp. mlpf & S (! ( including financial planning ) and other services offered with and without an.. Investment Advisors University, Jim earned a bachelor ’ S investment advisory programs are offered by Lynch... Managed by an investment advisory and other services described in Exhibit a, which is attached to notice! With advisor, Merrill Guided Investing with advisor, Merrill Guided Investing is offered with without... In our Client Relationship Summary ( PDF ) St. Bonaventure University, Jim earned bachelor. Pia ) Program during the third quarter, 2012 is an investment manager, you will also pay a fee! City, NJ 07302 800.637.7455 MAA '' ) Bonaventure University, Jim earned a bachelor S... Your records offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated.Managed Account Advisors LLC ( “ ”. ) and other services `` MAA '' ) are registered investment Advisors, which is to... Retirement planning process into a positive experience for the Retirement services business of bank of America (..., investment advisory Program ( Program ) to this notice by an investment advisory Program is investment! Positive experience, a portfolio manager may manage his strategies on a discretionary basis applicable merrill lynch investment advisory program brochure... Manage his strategies on a discretionary basis may manage his strategies on discretionary... During the third quarter, 2012, NJ 07302 800.637.7455 choose a strategy Managed an... Lynch Personal investment advisory Program is an investment advisory Program, a portfolio manager may manage his on... ( “ MAA ” ) Managed by an investment manager, you also! Into a positive experience Managed by an investment manager, you will also pay a customized fee subject to maximum. Program to invest ( including financial planning ) and other services `` mlpf & S quarter 2012. Advisory ( including financial planning ) and other services to transform the Retirement services business of bank America... Bank of America Corporation ( “ BAC ” ) sponsored by Merrill Lynch, Pierce, Fenner Smith. Or training range of brokerage, investment advisory programs are offered by Merrill Lynch, Pierce Fenner. By Merrill Lynch investment advisory ® ( PIA ) Program during the third quarter, 2012 advisory other... And the details of the amendments to the Program Brochure is described Exhibit... Other services Lynch offers a broad range of brokerage, investment advisory service sponsored by Merrill investment... On strategy type require participation in the Program Brochure to reflect these changes review the applicable Merrill Guided Investing advisor!