Life. Priorities.

By Merrill Lynch | Get the latest thinking you need to pursue your goals.

Snap Stat: The Big Chill-Out

<b>A pause that refreshes:</b> 68% of those surveyed mention relaxing and recharging as reasons for their career break, according to <b>Work in Retirement: Myths and Motivations</b>, a 2014 study by Merrill Lynch and Age Wave. After taking time off, many find work to be more flexible (80%), fun (53%) and …

Merrill Lynch

The Caregiver’s Financial Guide

LIVING TILL YOU'RE 80 OR 90? A century ago the odds were decidedly against it, but today we take greater longevity almost for granted. The extra years can be a wonderful gift, providing more time for loved ones to spend with one another. But living longer also has added costs, among them a greater …

Retirement

Checklist: Must-Reading for the Alzheimer’s Caregiver

<b>✔ Keep medical records and financial records close at hand.</b> These include an advance medical directive, which describes your loved one's treatment preferences, a durable power of attorney, which specifies who is allowed to make medical decisions for the patient, and an updated will.<p><b>✔ Prepare for</b> …

Merrill Lynch

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

Connect with an advisor and start a conversation about your goals.<p>Give us a call at<p>1.866.706.8321<p>9am - 9pm EST, Monday - Friday<p>Have questions for your financial advisor?<p>Connect with to continue the conversation.<p>Phone<p>Email

Merrill Lynch

Are We on the Brink of an Eldercare Crisis?

AS WONDERFUL AS A long life can be, it also increases the likelihood that you or someone you love will develop serious health issues—and that you’ll struggle to find caregiving solutions.<p>In the U.S., more than 12 million people need long-term health care, according to the National Council on Aging. …

Retirement

Finances in Retirement: New Challenges, New Solutions

81% of Americans say they don't know how much money they'll need in retirement. Merrill Lynch partnered with Age Wave to study the realities of retirement. Our insights can help you prepare for what matters most.

Retirement

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

<b>A:</b> It's very common for people to spend more in the early years of retirement, and it's important to build that assumption into your planning. To avoid overspending, you and your wife should think through all of your goals and concerns for your retirement—everything from travel and leisure to where …

Retirement

What Higher Interest Rates Could Mean for You

THE MARKETS ARE SENSITIVE—they tend to react to sudden change or uncertainty with volatility. But that doesn’t mean you have to react every time there’s up or down movement in the Dow or S&P 500. It’s generally best to keep your overall strategy tied to your personal goals and situation—including …

Federal Reserve

Elder Fraud Is on the Rise: Is a Con Artist Targeting Someone You Love?

SUPPOSE YOU HAVE A PARENT or grandparent who's living alone. She hires someone to replace the roof on her aging house and gives him half the money up front. And that's the last she sees of her roofer. No matter how close your relationship, can you be sure she'd let you know what happened?<p>Elder …

Merrill Lynch

ML Leisure, Beyond the Bucket List

Merrill Lynch

Renovate Your Home Without Wrecking Your Budget

HAVE ALL THOSE HOME IMPROVEMENT SHOWS got you thinking about renovating your kitchen, or knocking down some walls and expanding your living room? You’re not alone. In fact, in 2017, homeowners will spend an estimated $317 billion on home improvements and repairs, up 6.7% over last year. Their …

Home Improvement

Can China's Economy Bounce Back?

IN MID-2017, CHINA’S GROWTH RATE once again held steady, at just below 7% in the first quarter of the year. But that rate is far below what it once was, and concerns are mounting over whether China can sustain the momentum. This spring, Moody’s Investors Service downgraded the country’s long-term …

International Monetary Fund

Financial Etiquette: Who Pays for What on Vacation?

WE’VE ALL BEEN THERE: THAT AWKWARD MOMENT when the restaurant bill comes and it’s not clear who’s paying. Should you split it evenly—down to the decimal point? Or will one person magnanimously pick up the whole tab?<p>“The scene you want to avoid is having two or more people play tug-of-war with the …

Merrill Lynch

What Makes People Vulnerable to Elder Fraud?

THOMAS BLOMBERG FOUND MORE THAN HE BARGAINED FOR when he visited a Florida retirement community to conduct ground-breaking research on the causes of elder fraud this past summer. He came away with plenty of data. What he didn't expect was how deeply moved he'd be.<p>"Talking with the victims was …

Florida State University

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

Merrill Lynch

The Rise of High-Tech Healthcare: 5 Trends to Watch

THE SILICON CHIP AND THE STETHOSCOPE have long gone hand in hand. Indeed, Moore’s Law, a widely used forecast of rising computing power, can often seem to be nudging healthcare into the realm of science fiction, with life-saving high-tech innovations coming at a rapid rate today — and plenty more …

Digital Health

4 Big Retirement Risks—and How to Prepare for Them

OVERSPENDING, INVESTING TOO CONSERVATIVELY and veering away from your plan—these are some of the most common traps people fall into on the way to their retirement. The good news is they’re easy to avoid with a little discipline and forethought.<p>Other risks—like a health crisis or a market …

Retirement

Snap Stat: Life’s Biggest—and Least Understood—Expense

<b>RETIREMENT IS THE BIGGEST EXPENSE</b> for most people, according to <b>Finances in Retirement: New Challenges, New Solutions,</b> the latest study by Merrill Lynch in partnership with Age Wave. And the cost of funding it is rising as people live longer. For more surprising insights, download the study here. …

Merrill Lynch

7 Critical Challenges Shaping the Future

WHEN IT COMES TO TACKLING the world’s biggest challenges, neither government policies nor piecemeal philanthropic efforts have, by themselves, proved equal to the task. Leaders from across industry, government and the nonprofit world are increasingly aware that working in concert is the key to …

Merrill Lynch

Picking a College Major That Matters (and Pays)

HERE'S THE DEAL: YOU'RE A FRESHMAN or sophomore on campus, looking forward to exploring new skills and interests, and you're supposed to decide, right now, what you're going to do with the rest of your life. It's that high-stakes college quiz called, "Choosing a Major!" Ready or not, most colleges …

Merrill Lynch

Responsible Growth: How Investors Are Making a Difference

MAKING INVESTMENTS THAT MATCH people’s personal values has changed significantly over the past few decades. Early versions of “socially responsible” or “values-based” investing were primarily based on excluding specific investments that conflicted with an individual’s values (often at a potential …

Finance

Capitalism and the Rise of Responsible Growth

It would be hard to overstate how much capitalism has transformed the world. In the last couple of decades alone it has given us longer life spans, generated a global online economy, spurred countless innovations, turned China into an economic powerhouse and connected billions of people via social …

Merrill Lynch

Paternity Leave: An Idea Whose Time Has Come

Connect with an advisor and start a conversation about your goals.<p>Give us a call at<p>1.866.706.8321<p>9am - 9pm EST, Monday - Friday<p>Have questions for your financial advisor?<p>Connect with to continue the conversation.<p>Phone<p>Email<p>1<p>"Is Paid Leave Available to Mothers and Fathers of Infants?" World Policy …

OECD

Great Vacation, Great Price

3 Questions to Ask Your Advisor<p>How can I plan ahead to pay for a memorable “bucket list” trip with my family?<br>• What services does the Virtuoso travel agency provide to Merrill Lynch clients?<br>• Can you help me manage my finances while I’m on a lengthy overseas vacation?<p>Connect with an advisor and start a …

Merrill Lynch

Be the Cure

CEEYA PATTON-BOLMAN AND HER HUSBAND, R. Morton "Chip" Bolman III, don't have to wonder whether their philanthropic efforts are having an impact on real lives. He's a cardiac surgeon at Brigham and Women's Hospital in Boston and she's an ICU nurse. Together they co-founded Team Heart, a charity that …

Philanthropy

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

THE LIST OF SUCCESSFUL COMPANIES started by women includes many iconic brands—from Chanel and Learning Express to Zipcar. Network hardware giant Cisco and photo-sharing site Flickr were co-founded by women.<p>All successful entrepreneurs, no matter what their gender, are risk-takers, driven by a …

Finance

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

<b>A.</b> That advanced degree should pay off financially over the course of your career, but the short-term cost can seem intimidating. In 2012, the typical grad student had accumulated more than $57,000 of student debt, according to New America Foundation research. For medical school, the median amount …

Personal Finance

Follow the (New) Market Leaders

Markets are transforming, reflecting sweeping, long-lasting demographic and economic shifts. In the U.S., baby boomers are approaching retirement, while in Japan, Europe and China older looks to get bigger. This situation confronts a global economy on weak foundations, clouding profit outlooks, …

Finance

Are No-Cost College Courses for You?

WHEN PRINCETON UNIVERSITY OFFERED A FREE online course on algorithms in the summer of 2012, some 80,000 students signed up—about 10 times Princeton's combined undergraduate and graduate population. This incredible turnout testifies to the unprecedented ways that technology is making top-notch …

Learning