Transform your aspirations into reality
As a Merrill Private Wealth Management client, you have access to a full range of solutions designed to address the challenges and opportunities significant wealth can bring.
What would you like the power to do?®
Specialized services
Access to specialized services and expertise help you and your Private Wealth Advisor navigate your unique situation.
Private Wealth Services
Craft a strategy designed to sustain and grow your wealth, help achieve the varied goals of your family and preserve a common vision.1
Family Office Services
Support control of your wealth through services like customized expense reporting, tax return preparation and consolidated portfolio reporting.1
Merrill Center for Family Wealth®
Tap into our diverse knowledge and experience to define your intentions, build skills across generations and establish family governance practices.1
Strategic Wealth Advisory Group
Develop wealth transfer and philanthropic strategies designed to minimize taxes, manage risk and preserve assets for future generations.1
Executive services
Seeks to help you maximize the value of your equity compensation, satisfy legal and reporting requirements, and simplify the process of managing your concentrated position.1
Bank of America Art services
Help ensure your art collection is part of your legacy by developing a strategy to help minimize taxes while pursuing your wealth transfer and philanthropic goals.2
Sports and entertainment professional services
Make the most of your success with help from advisors who understand the challenges of sudden wealth and unknown career spans.1
Investments
Access a wide array of investment solutions, as well as research3 from BofA Global Research and exclusive opportunities and services.
Merrill Lynch Investment Advisory Program
Get a personalized approach to investing tailored to your goals and values, such as professionally managed portfolios and access to tax-managed strategies.4
Model portfolios
Access portfolios professionally managed by the Chief Investment Office and some of the industry’s leading investment managers.5
Premium Access Strategies
Invest in strategies with enhanced customization and professional investment management.6
Alternative investments
Diversify your portfolio to include investments with the potential to preserve capital, enhance risk-adjusted returns and hedge against inflation.7
Specialty Asset Management
Integrate nonfinancial assets — such as commercial real estate, timberland, farmland, oil and gas, and private business — into your broader investment strategy.8
Sustainable and Impact Investing
Invest in the momentum of a changing world with investments that incorporate sustainability analysis alongside traditional financial analysis.9
Wealth planning
Your Private Wealth Advisor will help you develop a plan designed to ensure your values and vision of the future are passed on.
Trusts and wealth transfer planning
Optimize personal and charitable trusts to help preserve assets, minimize taxes, control how your wealth is distributed, and address family dynamics.1
Philanthropy for individuals and families
Share your financial success with the causes that matter most to you through a plan designed to pass along your values and create lasting results.2
Donor-advised fund
Pursue your philanthropic goals through the Bank of America Charitable Gift Fund, which can help organize and streamline your charitable giving in a tax-efficient way.8
Fiduciary trust solutions
Bank of America fiduciary advisors can help lighten the load of your trustee by assuming fiduciary, management and administrative responsibility.8
Lending
Your Private Wealth Advisor can provide access to a range of loan offerings to help you accomplish your objectives in a timely and cost-effective manner.
Custom lending
Use specialized assets — such as yachts, commercial real estate and recreational real estate — as collateral to obtain liquidity to meet your goals.8
Lines of credit
Access flexible borrowing options, including lending against the available equity in your home or eligible securities in your Merrill investment accounts.8
Art services
Borrow against your collection and use the proceeds for any purpose, including funding a new business, or purchasing a plane or yacht.2
Banking
Manage your cash flow with checking, savings and credit card accounts that feature convenient digital tools and rewards built on the ways you work with us.
Credit cards
Choose from cards with travel rewards, cash back options, and a suite of services and experiences curated to complement your lifestyle.8
Business services
Designed for business owners, services include access to working capital and help with business continuation, wealth transfer and succession planning.
Strategic Wealth Advisory Group
Work with our specialists on tax management strategies for taking your business public, setting up a succession plan or selling your business.1
Endowment and foundation solutions
Guidance on industry-wide best practices in mission advancement, leadership development and fiduciary review and support.2
Specialty Asset Management
Tap our expertise managing timber, farm and ranch land, oil, gas and mineral interests, real estate, and private businesses.8
1 Capability provided by Merrill Lynch, Pierce, Fenner & Smith Incorporated.
2 Capability provided by Bank of America Private Bank.
3 Capability brought to you BofA Global Research. BofA Global Research is research produced by BofA Securities, Inc. (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation.
4 The Merrill Lynch Investment Advisory Program is an investment advisory service sponsored by Merrill. Merrill offers a broad range of brokerage, investment advisory and other services. 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. It is important to understand the differences, particularly when determining which service or services to select. All recommendations must be based on the best interest of the client.
5 The Chief Investment Office (CIO) provides thought leadership on wealth management, investment strategy and global markets; portfolio management solutions; due diligence; and solutions oversight and data analytics. CIO viewpoints are developed for Bank of America Private Bank, a division of Bank of America, N.A., (“Bank of America”) and Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”), a registered broker-dealer, registered investment adviser and a wholly owned subsidiary of Bank of America Corporation.
6 To invest, clients must have at least $5 million in combined assets at Merrill and Bank of America OR over $10 million in investable assets (including assets outside of Merrill and Bank of America). For clients where Bank of America N.A. provides trust, fiduciary, and investment management services, the minimum is $20 million in combined assets at Merrill and Bank of America N.A.
7 Alternative investments are speculative and involve a high degree of risk.
Alternative investments are intended for qualified investors only. Alternative investments such as derivatives, hedge funds, private equity funds, and funds of funds can result in higher return potential but also higher loss potential. Changes in economic conditions or other circumstances may adversely affect a client’s investments. Before a client invests in alternative investments, they should consider their overall financial situation, how much money they have to invest, their need for liquidity, and their tolerance for risk.
8 Capability provided by Bank of America, N.A.
9 Sustainable and Impact Investing and/or Environmental, Social and Governance (ESG) managers may take into consideration factors beyond traditional financial information to select securities, which could result in relative investment performance deviating from other strategies or broad market benchmarks, depending on whether such sectors or investments are in or out of favor in the market. Further, ESG strategies may rely on certain values based criteria to eliminate 138 exposures found in similar strategies or broad market benchmarks, which could also result in relative investment performance deviating.
10 Capability provided by Merrill Lynch Life Agency Inc.
11 BofA Rewards™ Eligibility. Customers can enroll and maintain their membership in BofA Rewards™ if they have an open, qualifying Bank of America® checking account. BofA Rewards tiers are based on each customer’s combined average balance in qualifying deposit and investment accounts. The minimum balance for each tier is: Member, no minimum balance; Preferred Plus, $30,000; Preferred Honors, $100,000; and Premier, $1,000,000. When you enroll, you’ll be placed in the appropriate tier for your combined average balance and then moved to the highest tier you’re eligible for based on one of the following:
- for the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts (“Daily Balance”), provided that your Daily Balance remains above the required amount for a minimum of three business days; or
- subsequently, the combined average balance of your qualifying accounts calculated on the third business day of each month.
Eligible customers will be moved to the higher tier within 3 business days. New tier benefits may take up to 30 days to become effective. For full terms, including qualifying accounts and the method of calculation of average balances, refer to your Personal Schedule of Fees.
