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  1. Is a Trust Right for You?
    giving

    Is a Trust Right for You?

    Yes, trusts can be an efficient way to provide the next generation with a financial legacy—but they can have other benefits you may not have thought about as well. Read about them here.

  2. The Basics Q&A: Paying Off Grad-School Debt
    finances

    The Basics Q&A: Paying Off Grad-School Debt

    Q: I’m going to graduate from med school with a lot of student-loan debt. How can I make it more manageable?

  3. Health Perks at Work
    health

    Health Perks at Work

    PPOs, FSAs, HSAs and more—the range of health care options employers offer can be confusing. Here’s a guide to help you decide what might work best for you and your family.

  4. The Basics Q&A:
    family

    The Basics Q&A: "Mommy, Are We Rich?"

    Q: My five-year-old daughter recently asked me about our financial situation. What's the best way to respond?

  5. Healthcare Breakthroughs: Will There Be An Anti-Aging Pill?
    health

    Healthcare Breakthroughs: Will There Be An Anti-Aging Pill?

    Scientists are making significant strides toward slowing down the aging process—as well as many of the chronic diseases that come with getting older. Our panelists point to several of the most promising innovations.

  6. Snap Stat: Renovate—or Relocate—in Retirement?
    home

    Snap Stat: Renovate—or Relocate—in Retirement?

  7. Four Reasons to Use a Trust
    finances

    Four Reasons to Use a Trust

    Andy Friedman of The Washington Update discusses how trusts can help you provide for the people and causes you care most about—whatever your net worth

  8. Investing in a Healthier World
    people

    Investing in a Healthier World

    As global health issues come to the forefront, these three areas offer investors a chance to make a difference while pursuing growth

  9. Changing Your Facebook Status to
    family

    Changing Your Facebook Status to "Remarried"—in Retirement?

    Consider these financial issues before walking down the aisle again

  10. The Basics Q&A: Remarried—with Children? An Estate Plan for You
    family

    The Basics Q&A: Remarried—with Children? An Estate Plan for You

    Q: How can my estate provide both for my adult children and for my second wife?

  11. Are No-Cost College Courses for You?
    leisure

    Are No-Cost College Courses for You?

    A new phenomenon in online education is making it easier than ever to pursue knowledge without going broke. Here's what a number of prestigious schools are offering you.

  12. Be the Cure
    giving

    Be the Cure

    Eight strategies that could help you get personal with your health-care philanthropy

  13. Why It’s Not ‘Business As Usual’ for Women Entrepreneurs
    work

    Why It’s Not ‘Business As Usual’ for Women Entrepreneurs

    They overcome financial hurdles to start businesses at twice the rate of men. How women do it offers lessons for all aspiring entrepreneurs.

  14. Your children and money: Lifelong tips for talking about an essential topic
    people

    Your children and money: Lifelong tips for talking about an essential topic

    The Webcast has ended. We will be hosting a replay in the coming days.

  15. Snap Stat: The Incredible Shrinking Cost of Mapping Your DNA
    health

    Snap Stat: The Incredible Shrinking Cost of Mapping Your DNA

    Thanks to dramatic advances in medical research, the price tag of mapping the human genome has plummeted, making personalized medicine much more affordable

  16. Great Vacation, Great Price
    leisure

    Great Vacation, Great Price

    A Travel + Leisure editor’s inside tips to help you get the most for your travel dollars—whether it’s a week at the beach or the vacation of a lifetime

  17. 5 Tips for Living Well Longer
    health

    5 Tips for Living Well Longer

    Our experts offer advice on preparing financially—and otherwise—for a retirement that could last 30 years or more

  18. One Year Later: Weighing the Financial Benefits of Same-Sex Marriage
    family

    One Year Later: Weighing the Financial Benefits of Same-Sex Marriage

    A look at what’s changed—and what still needs to be addressed—on the first anniversary of 2015’s landmark Supreme Court decision on marriage equality

  19. Paternity Leave: An Idea Whose Time Has Come
    work

    Paternity Leave: An Idea Whose Time Has Come

  20. Are You Ready to Live to 100? Ways to Help You Get (Financially) Fit
    finances

    Are You Ready to Live to 100? Ways to Help You Get (Financially) Fit

  21. To Rent or Own? That Is the Question
    markets

    To Rent or Own? That Is the Question

    Thinking about buying your first home–or making your next move? Michelle Meyer, deputy head of U.S. Economics at BofA Merrill Lynch Global Research, looks at four important factors that can help you decide whether home ownership makes the most sense for you in today’s market.

  22. Explore “Leisure in Retirement: Beyond the Bucket List”
    leisure

    Explore “Leisure in Retirement: Beyond the Bucket List”

  23. Snap Stat: How’s That Vacation Working for You?
    leisure

    Snap Stat: How’s That Vacation Working for You?

  24. Is a Con Artist Targeting Someone You Love?
    family

    Is a Con Artist Targeting Someone You Love?

    Financial fraud is on the rise, and the elderly are among the most vulnerable. Here are some signs to watch out for—and steps you can take to help protect your family.

  25. From 9 to 5 to
    leisure

    From 9 to 5 to "Now What?"

    You may not think you’ll miss the daily routine—or your colleagues—when you retire, but the transition isn’t always smooth. Here are some suggestions for finding new passions, purpose and friends.

  26. What My Mom Taught Me About Money
    finances

    What My Mom Taught Me About Money

    One of our experts shares his mother’s best advice—and offers some tips for teaching your children the financial basics

  27. It’s Never Too Early to Think About Next Year’s Tax Bill
    finances

    It’s Never Too Early to Think About Next Year’s Tax Bill

    The following useful tax breaks were made permanent or extended this year. If you missed them for 2015, start planning now for next April.

  28. Checklist: 9 Questions Every Advisor Should Be Able to Answer
    finances

    Checklist: 9 Questions Every Advisor Should Be Able to Answer

    Whatever your priorities, this can help you find someone who understands you and has the resources to help you manage your financial life

  29. Personal Essay: Is Alzheimer's in My Future?
    family

    Personal Essay: Is Alzheimer's in My Future?

    This twentysomething learned the value of financial preparedness, and much more, as he watched his grandfather disappear into the fog of Alzheimer's.

  30. Checklist: 5 Retirement Questions Every Couple Should Ask—and Answer
    family

    Checklist: 5 Retirement Questions Every Couple Should Ask—and Answer

    Even newlyweds can benefit from having this conversation. The sooner you come to agreement, the easier it will be for you to put a plan in place to pursue your goals.

  31. Can a Marriage of (Financial) Opposites Last?
    family

    Can a Marriage of (Financial) Opposites Last?

    You bet, says this couple who have been married for more than four decades. Here, they share their secrets.

  32. How Andre Agassi Found His True Purpose—Off the Court
    giving

    How Andre Agassi Found His True Purpose—Off the Court

    The tennis legend talks with head of Merrill Lynch Wealth Management John Thiel about what success—and failure—taught him and why he’s now focused on developing education solutions for underprivileged children.

  33. Social Security Update: New Rules for Claiming Benefits
    finances

    Social Security Update: New Rules for Claiming Benefits

    With two useful strategies taken off the table, many couples may have to rethink how they plan for their retirement income

  34. Why Make Your Heirs Wait?
    giving

    Why Make Your Heirs Wait?

    Giving your children their inheritance now, instead of passing it on in the will, can be very satisfying. Here are some things to consider before fast-tracking your legacy.

  35. Juggling Day Care and College Costs?
    family

    Juggling Day Care and College Costs?

    3 strategies to help you balance these competing needs

  36. Snap Stat: When Retirement Comes Too Soon
    health

    Snap Stat: When Retirement Comes Too Soon

  37. Helping Girls Help Themselves
    giving

    Helping Girls Help Themselves

    For 60 years, whether as a board member, donor or volunteer, Donna Brace Ogilvie made it her life’s work to help low-income girls break free of poverty

  38. The Things They Never Tell First-time Parents
    family

    The Things They Never Tell First-time Parents

    Creating a secure financial future for your new baby is one of the most important things you can do—but few parents know where to begin.

  39. Women Power
    people

    Women Power

    Their growing clout—as entrepreneurs, executives and consumers—is changing how companies do business and spurring economic growth around the world

  40. So Long, Corporate World. Hello, Start-Up!
    work

    So Long, Corporate World. Hello, Start-Up!

    How Heidi and Reid Rasmussen flipped a potentially disastrous layoff into an opportunity to do what they’d always wanted: team up to create a successful company

  41. The Basics Q&A: Will This Small Biz Owner Be Ready for Retirement?
    finances

    The Basics Q&A: Will This Small Biz Owner Be Ready for Retirement?

    Q: As a small business owner, I'm having trouble saving for retirement and I'm relying on my husband's retirement plan. What other options do I have?

  42. Healing Vets, Rescuing Dogs
    giving

    Healing Vets, Rescuing Dogs

    How one woman fulfilled her vision for helping both returning soldiers and shelter animals

  43. Download your copy of our Fall 2015 Issue
    fall-2015

    Download your copy of our Fall 2015 Issue

  44. Are you Ready for Life’s Big Changes?
    family

    Are you Ready for Life’s Big Changes?

    Marriage. Divorce. Remarriage. Retirement. Nothing ever stays the same. Here are three strategies to help you navigate life’s major, often scary and unexpected, turning points.

  45. How We Live Now
    family

    How We Live Now

    Juggling kids, parents and busy careers, today’s Sandwich Generation is facing more complex financial pressures than their parents ever did. But they’re finding new ways to deal with the challenges—and still making time for what matters most.

  46. Technology—With a Human Touch
    finances

    Technology—With a Human Touch

    Our chief information officer discusses some high-tech innovations to help you simplify your financial life and better connect you with your financial advisor

  47. The Need for Yield Isn’t Changing—But Ways to Find It Are
    finances

    The Need for Yield Isn’t Changing—But Ways to Find It Are

    Now that rates are edging higher, here are ways you can look for portfolio income, at whatever stage of life you’re in.

  48. Giving Boom(ers)
    giving

    Giving Boom(ers)

    Older Americans are poised to change the world as they devote more time, money and innovative thinking to philanthropy. Here’s how they’re making a difference.

  49. Career Plot Twist
    work

    Career Plot Twist

    Even as he makes the move from Broadway to Hollywood, Brian d’Arcy James works to ensure that he’s protected from the financial ups and downs that can come with any performer’s life

  50. Investing in Social Change
    finances

    Investing in Social Change

    An innovative new Merrill Lynch portfolio makes social impact investing easier to implement and measure

  51. Stocks or Bonds: What Happens When Rates Rise?
    finances

    Stocks or Bonds: What Happens When Rates Rise?

    Understanding income-producing investments—and how they might behave as interest rates rise—can help guide your search for income.

  52. Snap Stat: Rebels With a Cause, Boomers Give Back
    giving

    Snap Stat: Rebels With a Cause, Boomers Give Back

  53. Helping Employees Live Their Best Financial Lives
    work

    Helping Employees Live Their Best Financial Lives

    The "new normal" in workplace benefits now extends beyond just retirement savings and healthcare plans

  54. Dealing With the Market's Latest Roller Coaster Ride
    finances

    Dealing With the Market's Latest Roller Coaster Ride

    How should you respond when the markets throw you for a loop? With volatility expected to continue through year-end, we asked Michael Liersch, Merrill Lynch's head of behavioral finance, for his best advice.

  55. Why Women Pay More for Health Care — and What You Can Do to Prepare
    health

    Why Women Pay More for Health Care — and What You Can Do to Prepare

    From longer life spans to gender-based premiums, a variety of factors can cause women’s medical bills to rise in retirement. These strategies may help.

  56. Taxes and Your Social Security
    finances

    Taxes and Your Social Security

    Your benefits may be taxed. But a little up-front planning today may minimize the hit tomorrow.

  57. Can You Afford to Be a Stay-at-Home Parent?
    work

    Can You Afford to Be a Stay-at-Home Parent?

    Here are a few issues to consider—plus some strategies that could help you manage your finances during your career break

  58. The Day
    finances

    The Day "Love Won"—and LGBT Finances Changed Forever

    What the Supreme Court’s historic marriage-equality ruling does—and doesn’t—mean for same-sex couples

  59. The Basics Q&A: 3 Smart Tips for Young Investors
    finances

    The Basics Q&A: 3 Smart Tips for Young Investors

    The markets and investing can seem complicated at first. Use these strategies to better understand your goals for your money and how you can pursue them.

  60. Checklist: Is It Time to Move Out?
    home

    Checklist: Is It Time to Move Out?

    5 questions that can help you decide whether your house is still the right home for you in retirement.

  61. Download your copy of our Special Health Issue
    spring-2015

    Download your copy of our Special Health Issue

    ML Advisor Special Health Issue 2015

  62. Planning for Health Care Costs
    spring-2015

    Planning for Health Care Costs

    Four conversations every family should have right now

  63. Empty Nesters: Move or Stay Put?
    spring-2015

    Empty Nesters: Move or Stay Put?

    Do your homework before deciding where to live in retirement. These tips can help

  64. Travel Guides & More
    spring-2015

    Travel Guides & More

    Here’s what’s new to help you and your advisor manage your finances to and through retirement

  65. What’s Your Home’s IQ?
    home

    What’s Your Home’s IQ?

    These eight tech enhancements could make your house “smarter,” safer and more efficient. They may even increase its value.

  66. Collectibles: The Things We Buy for Love
    leisure

    Collectibles: The Things We Buy for Love

    A lucky few collectors may hit the jackpot, but most don’t think of their finds as “investments”—prices are just too unpredictable. Here’s a snapshot of what’s selling, and what’s affordable, in eight popular categories, from vintage cars to rare wines.

  67. Talking to Kids About Money
    family

    Talking to Kids About Money

    How do you teach your children about financial independence? Here are some ways to help them develop the skills they’ll need to be fiscally responsible.

  68. Take a One-Big-Happy-Family Vacation!
    leisure

    Take a One-Big-Happy-Family Vacation!

    Traveling together is a chance for far-flung relatives to reconnect—and for siblings to decide they really like each other. Here are some tips for planning your own family getaway.

  69. Checklist: 5 Easy Steps to Downsize Your Stuff
    home

    Checklist: 5 Easy Steps to Downsize Your Stuff

    Whether you’re moving to a smaller space or just trying to declutter your home, this checklist can help you decide what to keep, sell, pass on or give away

  70. The Basics Q&A: Is There a Driving Age Limit?
    health

    The Basics Q&A: Is There a Driving Age Limit?

    Q: How can I tell if it’s time for my 78-year-old mother to stop driving?

  71. Retiring Abroad? Here's What You Need to Know
    home

    Retiring Abroad? Here's What You Need to Know

    While alluring, relocating to another country can come with its own complications. Ask yourself these 8 questions before making a move.

  72. Location, Location, Location
    home

    Location, Location, Location

    Deciding where to retire? Here are a few ways to clarify your priorities, evaluate costs and find a better place for you.

  73. The Basics Q&A: Taxes and Your IRA
    finances

    The Basics Q&A: Taxes and Your IRA

    Q: Which is the better way to save for retirement—a traditional IRA or a Roth IRA?

  74. Learning to Slow Down — On a Farm
    work

    Learning to Slow Down — On a Farm

    After a fast-paced corporate career, Sid Greer and his wife Eva turned their respective passions for agriculture and cooking into a sustainable retirement lifestyle

  75. Snap Stat: Scared Stiff About Health Care Costs
    health

    Snap Stat: Scared Stiff About Health Care Costs

  76. Shoot for the Stars—But Have a Plan B
    family

    Shoot for the Stars—But Have a Plan B

    Actor and family man Rob Lowe’s advice to his sons as they prepare to go off on their own.

  77. Newlyweds’ Financial Guide
    family

    Newlyweds’ Financial Guide

    When you said “I do,” you committed to sharing your financial future, and that can take some getting used to. (Hint: The more you communicate, the better.)

  78. You're Getting Married WHERE?
    leisure

    You're Getting Married WHERE?

    Exchanging vows on a tropical beach—or in an Irish castle—can be more than just an expression of who you are. You might also save time and money.

  79. Trend Report: The Return of the House Call
    health

    Trend Report: The Return of the House Call

    Many doctors now offer concierge medical services—for a fee. Here’s what to think about before signing up.

  80. The Basics Q&A: Is Now the Right Time to Sell Our House?
    home

    The Basics Q&A: Is Now the Right Time to Sell Our House?

    Q: We're thinking of putting our house on the market, but will we be able to get a good price?

  81. The Basics Q&A: Home Office Tax Deductions Made Easy
    work

    The Basics Q&A: Home Office Tax Deductions Made Easy

    Q: I do most of my work from home. Do I qualify for a home office tax deduction?

  82. What’s Your Investment Personality?
    finances

    What’s Your Investment Personality?

    Answering these questions can help you and your advisor create a customized strategy for pursuing all of your retirement goals

  83. Are You Ready to Buy Your First Home?
    home

    Are You Ready to Buy Your First Home?

    Answering these seven questions can help you figure out whether it’s the right move for you to make now

  84. 3 Generations Under 1 Roof
    family

    3 Generations Under 1 Roof

    When an extended family lives together, you need a plan to keep everyone happy.

  85. The Basics Q&A: Saving for College
    finances

    The Basics Q&A: Saving for College

    Q: I just opened a 529 college savings account for my daughter. How can I use it?

  86. The Passionate Entrepreneur
    work

    The Passionate Entrepreneur

    Daring in business, Steve Schussler prefers to limit the risks in his portfolio.

  87. How Green Is Your Business?
    work

    How Green Is Your Business?

    Environmental improvements can pose financial challenges for small companies. But ignoring sustainability could cost more in the long run, and even small changes may help your bottom line

  88. Sandwich Generation Balancing Act
    family

    Sandwich Generation Balancing Act

    Paying children's college expenses, caring for aging parents — and saving for retirement? You're not alone.

  89. The Basics Q&A: Can I Afford to Retire?
    work

    The Basics Q&A: Can I Afford to Retire?

    Q: What retirement? I don't feel like I'll ever be able to retire.

  90. Financial Guide for First-Time Grandparents
    family

    Financial Guide for First-Time Grandparents

    Think beyond the layettes and baby rattles to create such lasting gifts as a college education and an inheritance.

  91. The Global Fight Against Obesity
    people

    The Global Fight Against Obesity

    The statistics are alarming, but the tide may be turning. And investors could play an important role, says Sarbjit Nahal of BofA Merrill Lynch Global Research.

  92. The Basics Q&A: Planning for the Future
    finances

    The Basics Q&A: Planning for the Future

    Q: How can I prepare for retirement if I don't know what my expenses will be?

  93. 3 Ways to Leave Your Vacation Home to the Kids
    home

    3 Ways to Leave Your Vacation Home to the Kids

    Here's how you can let future generations build on the happy memories you've created over the years

  94. Keep Tabs on Your Finances Wherever You Are
    leisure

    Keep Tabs on Your Finances Wherever You Are

    Merrill Lynch mobile applications and social media channels allow you to stay informed 24/7 around the world.

  95. Women and Investing
    finances

    Women and Investing

    Men and women aren't all that different—at least when it comes to their financial lives—says Merrill Lynch's head of Behavioral Finance

  96. When the Ultimate Goal Is Family
    family

    When the Ultimate Goal Is Family

    How a dream of building a retirement home near the kids was almost lost — and what this family did to make it reality.

  97. Live Better Longer
    health

    Live Better Longer

    Take advantage of Medicare's preventive health care.

  98. The Basics Q&A: How Much Can We Spend on Travel in Retirement?
    leisure

    The Basics Q&A: How Much Can We Spend on Travel in Retirement?

    Q: My wife and I may want to spend more on travel and other leisure activities in retirement. Will we run out of money if we do?

  99. Checklist: Must-Reading for the Alzheimer’s Caregiver
    family

    Checklist: Must-Reading for the Alzheimer’s Caregiver

    "If you’re currently caring for a person with Alzheimer’s, here are some tips that can help," says Cynthia Hutchins, Merrill Lynch’s director of financial gerontology.

  100. The Caregiver’s Financial Guide
    family

    The Caregiver’s Financial Guide

    Five questions to help you prepare for what may be one of the most important roles of your life.

  101. Volunteer Vacations: Giving Back While Getting Away
    leisure

    Volunteer Vacations: Giving Back While Getting Away

    Combining travel and philanthropy can make your time off more fulfilling. But it also requires extra financial planning. Here's how to prepare.

  102. Social Security: Aiming for Smarter Payments
    finances

    Social Security: Aiming for Smarter Payments

    Delaying your benefits as long as you can could give you greater income for life. Can you afford to wait? Here’s how to determine the timing that’s right for you.

  103. The Upside of Downsizing
    home

    The Upside of Downsizing

    Moving to a smaller home can free up money to help you meet other financial goals. Here are four questions to ask yourself first

  104. Snap Stat: Inflation's Big Bite
    finances

    Snap Stat: Inflation's Big Bite

  105. When Sharing the Family Vacation Home, Play Nice!
    leisure

    When Sharing the Family Vacation Home, Play Nice!

    Owning a chalet or beach house with your siblings can be great as long as you establish clear-cut ground rules—and remember whose turn it is to take out the garbage.

  106. Personal Essay: Honey, I Shrunk Our Home!
    home

    Personal Essay: Honey, I Shrunk Our Home!

    Though many people resist the idea of moving to smaller digs, this writer is looking forward to the pleasures of downsizing.

  107. The Basics Q&A: Income That Measures Up
    finances

    The Basics Q&A: Income That Measures Up

    Q: Pension income, investments, a 401(k) account, Social Security: What's the smartest way for me to use these sources to meet my retirement needs?

  108. Snap Stat: The Big Chill-Out
    work

    Snap Stat: The Big Chill-Out

  109. The Basics Q&A: Living Abroad
    home

    The Basics Q&A: Living Abroad

    Q: I'm thinking about retiring abroad. Do ex-pats have any special financial challenges?

  110. 5 End-of-Year Tax Tips for Small Business Owners
    finances

    5 End-of-Year Tax Tips for Small Business Owners

    Moves you can make right now that may help reduce your company’s 2015 tax liability

  111. 6 Year-End Tax Tips That Could Save You Money
    finances

    6 Year-End Tax Tips That Could Save You Money

    Consider making these moves now to help reduce your 2015 taxes.

  112. Holiday Travel: Getting There Can Be Half the Fun
    leisure

    Holiday Travel: Getting There Can Be Half the Fun

    Advice from an expert on how not to let crowds, delays, high prices and bad weather get you down

  113. By the Numbers: Will You Need Long-Term Care?
    health

    By the Numbers: Will You Need Long-Term Care?

    Here are some facts that can help you determine your risk

  114. Your Last-Minute Holiday Shopping Guide
    leisure

    Your Last-Minute Holiday Shopping Guide

    Seven tips for finding the perfect gift—without breaking your budget.

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