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plan retirement

What does it mean to plan your retirement?

Whether you’re ready to invest for retirement, focused on retirement savings plans, or looking for a financial planning service, you’ve come to the right place.

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The road to retirement

It’s never too early or too late to plan for your retirement. No matter where you are in your journey, there are steps you can take.
Flip the cards to see considerations for each stage.

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    Saving for retirement

    Begin estimating your future lifestyle costs.


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    Nearing retirement

    Plan for your income sources during retirement.


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    Continue to stay on top of your financial life.


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Big picture thinking

Our thought leaders have award-winning insights2 to share. Don’t miss a beat. Get your monthly dose of financial tips, strategies and more with Merrill Perspectives.

What sets Merrill apart from other financial institutions

A retirement investment plan can make a big difference. So does who work you with. Merrill advisors know every journey is unique. See what it’s like to work with us.


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    What matters to you

    We want to know what’s important to you now and what you want in the future.

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    Your path, your plan

    Together, we’ll design your personalized plan with guidance that supports you.

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    Making it happen

    We’ll set your plan in motion and help you adjust as your needs and goals change.

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    Helping track progress

    We help you track your milestones and modify your plan as your needs and goals change.

Plan your retirement with one of our financial advisors

Ready for personalized guidance? We’re ready to help.


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Retirement FAQs

Should you borrow or take a distribution from your 401(k)?

Should you have a retirement spending plan?

Does where you live in retirement matter?

Are you saving enough for your dream retirement?

How will you replace your salary when you retire?

1EBRI, “Projected Savings Medicare Beneficiaries Need for Health Expenses Remained High in 2022,” February 9, 2023

2Institutional Investor magazine announced BofA Global Research as one of the Top Global Research Firms in 2022 based on surveys held throughout the year. The magazine creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals at more than 1,000 firms. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Learn more about the methodology at Institutional Investor. Rankings and recognition from Institutional Investor are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.


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