Perspectives On: Retirement Deadlines, Outlook 2020, Year-Ahead Review

These key dates and steps can help you prepare for retirement

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Find an advisor 12. 2019 Merrill Lynch Wealth Management Perspectives 5 Questions to Ask Your Advisor Start the New Year off right with this financial checkup.    Read more    Productivity Life Hacks Authors Laura Vanderkam and Jenny Evans offer ideas on how to accomplish more and stress less.    Watch videos    Outlook 2020: 7 Key Questions Answered What global trade, the U.S. election and other factors could mean for your investments.    Explore here    Retirement Dates You Won’t Want to Miss This age-by-age guide could help you maximize your income, minimize your taxes and more.    Learn 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. 2857265