Life. Priorities.

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

Unlocking the Value of Your Home

A house is more than a place to live and raise your family. Here are some ways the equity you’ve built up could help you pursue other important goals

Merrill Lynch

Ensuring Your Family is Prepared Throughout Their Lives

Talking with your family about your financial future can be a difficult conversation. Whether it's teaching children about the meaning of money or planning for retirement, we can help.

Merrill Lynch

The Rise of the Machines

AMONG THE MANY EMERGING TRENDS IN THE technology sector, the rise of artificial intelligence (AI) is likely to be one of the most significant over the coming years. AI refers to the ability of machines to perform tasks that would typically be associated with human cognition such as responding to …

Intelligence

Correlation Kookiness

When it comes to stock market correlations, investors may point to a number of long-standing “rules” that help guide their investing. Among them: Stock prices and bond prices move in opposite directions, — as do stock prices and oil prices — while stock prices and bond yields move in the same …

Finance

Getting a Bigger Bang for the Infrastructure Buck

IF THERE IS ONE POINT ON WHICH Republicans and Democrats can agree it is that the United States cannot generate strong, sustainable economic growth unless it modernizes its infrastructure. The Obama administration lobbied for a massive infrastructure program to heal the U.S. economy post-financial …

Finance

Are You The 'Family Bank'?

ALMOST EVERY FAMILY HAS ONE: the person family members call on when money is tight and they need a helping hand. The more financially responsible you are, the more likely you are to be considered "the family bank," according to a recent study conducted by Merrill Lynch in partnership with Age Wave. …

Merrill Lynch

Could Your Home Help You Fund Your Retirement?

FOR THOSE NEARING RETIREMENT, few questions loom larger than whether to sell or keep the family home. Will you remain in a house full of memories, where you may have raised your kids, celebrated holidays and lived the greater portion of your life? Or are you looking forward to setting up house …

Merrill Lynch

The Basics Q&A: What Can—and Can’t—I Use a 529 College Savings Account for?

<b>A:</b> Assets in a 529 college savings plan have to be spent on higher education in order to come out of the account tax-free. Besides tuition and fees—the biggest educational bills you'll probably face—other eligible expenses include such things as room, board, books, the purchase of computer and …

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

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 …

Finance

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 …

Economy

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

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 …

Economy

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 …

Investing