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Retirement & savings

Retirement accounts


Invest in your retirement and build wealth with tax-advantaged accounts.

  • Traditional & Roth IRAs

    Assets have the potential to grow tax-deferred with various contributions and withdrawals guidelines.

  • Rollover IRA1, 2

    Consider your choices whether to consolidate your retirement assets in a former employer’s qualified plan, or other IRA(s) into an IRA.1, 2

  • Trusteed IRA

    The tax benefits of a Traditional or Roth IRA with control over who inherits assets and how quickly beneficiaries can withdraw them.

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and solutions into your financial strategy.
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Explore our other solutions to help you save for the future

Explore our other solutions to
help you save for the future

Creative solutions for your personal

and business needs.

You have choices about what to do with your 401(k) or other type of plan-sponsored accounts. Depending on your financial circumstances, needs, and goals, you may choose to roll over to an IRA or convert to a Roth IRA, roll over a 401(k) from a prior employer to a 401(k) at your new employer, take a distribution, or leave the account where it is. Each choice may offer different investments and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment (particularly with reference to employer stock), and provide different protection from creditors and legal judgments. These are complex choices and should be considered with care. For more information on rolling over your IRA, 401(k), 403(b) or SEP IRA, visit our rollover page or call a Merrill rollover specialist at 888.637.3343.​


When we make recommendations regarding securities or investment strategies (including as to rollovers and account types) with respect to retirement assets, we are a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (ERISA) and/or Section 4975 of the Internal Revenue Code, as applicable.


Did you know that there are two ways to move assets from one IRA to another? The most common is a transfer. This is when you transfer assets from an IRA held at one financial institution to an IRA at another. You may directly transfer assets between investment firms as frequently as you wish. The second, less common approach is called An indirect rollover. Rollovers occur when you withdraw assets from an IRA and then “roll” those assets back into the same IRA or into another one within 60 days. IRS rules limit you to one rollover per client per twelve month period.



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