Workplace Insights | Bank of America Merrill Lynch

Retirement & Benefit Plan Services

Public Policy Insights

We are committed to working with Washington policymakers, advocating on our clients' behalf.

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Retirement and benefit public policy and relevant industry trends are constantly changing. To help our clients keep abreast of the issues, laws and industry changes that are being considered in the employee benefits and compensation space and what these changes may mean to our clients and their employees, we provide insights through reports, webcasts, bulletins and more.

Legislative & Regulatory Report
The report addresses the retirement provisions of the CARES Act and other coronavirus regulation.

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Please remember there's always the potential of losing money when you invest in securities. Diversification and asset allocation do not ensure a profit or protect against loss in declining markets.

Bank of America, Merrill, their affiliates, and advisors do not provide legal, tax or accounting advice. Clients should consult their legal and/or tax advisors before making any financial decisions.

Bank of America is a marketing name for the Retirement Services business of Bank of America Corporation ("BofA Corp."). Banking activities may be performed by wholly owned banking affiliates of BofA Corp., including Bank of America, N.A., member FDIC. Brokerage and investment advisory services are provided by wholly owned non-bank affiliates of BofA Corp., including Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S"), a dually registered broker-dealer and investment adviser and Member SIPC.

Investing in stable value products is typically more involved than investing in other diversified fund offerings. Plan sponsors will need to sign participation agreements and other documents with the stable value product’s sponsor; will also be required to meet certain eligibility criteria; and such investments are typically subject to plan-level withdrawal restrictions that may limit plan liquidity.

Trust and bank fiduciary services are provided by Bank of America, N.A., member FDIC. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc. ("MLLA"), a licensed insurance agency.

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.

This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary.

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

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Public Policy & Trends

Following policy and trends
that impact plan sponsors

Let us help you differentiate your business and empower your employees to take control of their full financial lives

Public Policy & Trends

Following policy and trendsthat impact plan sponsors

Let us help you differentiate your business and empower your employees to take control of their full financial lives

Following policy and trends
that impact plan sponsors