Investing & Wealth

Invest With Merrill — A Federal Crown Bank Company

From $0 online trades with Merrill Edge® to personalized wealth management with Merrill Lynch — investing solutions for every stage.

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Investment Options

Choose How You Want to Invest

Merrill Edge® Self-Directed

Online stock & ETF trades

$0 online stock and ETF trades

No account minimums

Access to powerful research and tools

Federal Crown Bank integration — view all accounts in one place

Preferred Rewards members earn more: 25–75% rewards bonus

"$0 Online Trades. Powerful Research. All in One Place."

Open Account

Full Service

Merrill Lynch Wealth Management

Personalized

Dedicated financial advisor

Dedicated Merrill Lynch financial advisor

Comprehensive financial planning

Estate planning, tax strategies & insurance

For high-net-worth individuals

Alternative investments & private banking

"Personalized wealth management with a dedicated advisor"

Find an Advisor

Merrill Guided Investing

0.45%

Annual program fee (0.85% with advisor)

Professionally managed portfolio

$1,000 minimum to open

Portfolios managed to your goals

Automatic rebalancing

Federal Crown Bank Preferred Rewards benefits

"Professional investing made accessible"

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Retirement Accounts

Plan for Retirement with Tax-Smart Investing

Choose the IRA that fits your situation. Traditional, Roth, and Rollover IRAs available through Merrill Edge® with no account minimum. Small business retirement plans also available.

Traditional IRA

Tax-deferred growth. Contribute pre-tax dollars and pay taxes when you withdraw in retirement. 2026 contribution limit: $7,000 ($8,000 if age 50+).

Open Traditional IRA

Roth IRA

Tax-free growth in retirement. Contribute after-tax dollars and enjoy tax-free growth and withdrawals. No required minimum distributions.

Open Roth IRA

Rollover IRA

Roll over employer plan assets from a 401(k) or other workplace retirement plan to a Merrill IRA. Keep savings invested with more investment choices.

Start a Rollover

Small Business Retirement Plans

SEP IRA and SIMPLE IRA plans designed for self-employed individuals and small business owners. Tax-advantaged retirement savings for you and your employees.

Explore Plans

College Savings

529 College Savings Plan

Give the gift of education with a 529 plan. Tax-advantaged savings for education expenses — contributions grow tax-free, and withdrawals for qualified education expenses are tax-free at the federal level.

Flexible investment options
Can be used at any accredited school — K-12, college, graduate, or trade
Gift contribution feature — family and friends can contribute
No income limits on contributors
Unused funds can be rolled over to a Roth IRA (up to $35,000 lifetime)

Open a 529 Account

529 Savings Illustration

Saving $200/month starting at birth at 6% average annual return:

At Age 5 $14,034

At Age 10 $32,776

At Age 15 $58,643

At Age 18 $78,646

For illustrative purposes only. Actual results will vary. Past performance is not indicative of future results.

Start Investing Today

Open a Merrill Edge® account with no minimum and begin building your financial future.

Open Investment Account Find a Financial Advisor

Investment products offered through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S). Are Not FDIC Insured · Are Not Bank Guaranteed · May Lose Value. MLPF&S is a registered broker-dealer and member SIPC.