Perspectives On: Cyber Security, Retirement Catch-up, and more

Listen to our new podcast to learn how to protect your digital life

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Find an advisor 10. 2019 Merrill Lynch Wealth Management Perspectives 5 Ways to Play Retirement Catch–up Tips for boosting your savings as you work toward a more secure future.    Learn more    Cyber Security: Protecting Your Digital Life The Merrill Perspectives podcast explores how you can combat the growing threat of cyber crime. PLUS: Tips to help keep your family safe    Listen now    Lessons from Women Investors They tend to achieve slightly better long–term results than men— here’s how. PLUS: Listen to the “Women Ri$ing” podcast    Explore here    Taxes, Social Security & Your Retirement Income Things to consider as you begin to draw from your accounts.    Read more    Reader Resources Find the right advisor for you Why a Merrill Lynch advisor? Explore your goals Privacy & Security  • Legal Information  •  MLPF&S Financial Statement  •   ML.com If you prefer not to receive this newsletter in the future, please click here. Investing involves risk. There is always the potential of losing money when you invest in securities. Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. 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."). 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 BofA Corp. Trust and fiduciary services are provided by Bank of America Private Bank, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of BofA Corp. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Investment products, insurance and annuity products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity © 2019 Bank of America Corporation. All rights reserved. AR8CS4MX