ML Direct -- Financial Consultants

With Merrill Lynch Direct, you get the tools and information to make your own investment decisions. You decide how much to save, how to allocate your assets, when to buy, and when to sell. But self-directed investing isn't for everyone at every stage of life. Maybe you're suffering from information overload, and simply don't have the time to sift through the vast quantities of information necessary to make sound investment decisions. Maybe you're wondering how to create a comprehensive, long-term investment plan for the future. Maybe you aren't meeting the financial goals you've set for yourself. Perhaps you need answers to complex retirement, educational savings, or estate planning questions.

These are just some of the many reasons you might look to a Financial Advisor for help in realizing your financial goals.

At Merrill Lynch, you and your Financial Advisor will establish an ongoing relationship and work together as partners for the long haul. Based on an in-depth interview, your Financial Advisor will work with you to develop an individualized financial plan tailored to your particular circumstances, investment objectives, and risk tolerance. He or she will then monitor your portfolio closely to ensure you are making appropriate progress toward your objectives. As your needs evolve, a Financial Advisor will keep watch so that your investment strategy is consistent with your changing circumstances.

At Merrill Lynch, our more than 14,000 Financial Advisors are highly trained professionals.

They undergo extensive and ongoing training far exceeding that of most brokers, and receive instruction in technology, financial planning, and portfolio investment strategies throughout their careers. Moreover, our Financial Advisors are backed by the unparalleled resources of Merrill Lynch, and can bring to bear appropriate experts to supplement their own knowledge and better meet your needs. Few other firms can offer their brokers comparable support, including world-class market and investment research, product and business specialists, and a comprehensive range of investment products.

When you choose to work with a Financial Advisor, you still have access to online tools, research, and account information.

The difference is that you'll also have a long-term partner who is dedicated to helping you make the planning and investment decisions that are right for you, and will be right for you in the future. At Merrill Lynch, your success is our success. If you would like to obtain more information or talk to a Financial Advisor, with no obligation, please use the Branch Office locator on the left. There are over 600 branch offices across the United States to serve you.

The information in this Internet site is directed at, and is intended for distribution to, and use by, persons in the U.S. only. It is not intended for distribution to, or use by, any person in any other jurisdiction. Non-U.S. investors, including UK investors, are directed to our International Private Banking Group site.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer and a wholly-owned subsidiary of Bank of America Corporation.
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