Merrill Lynch Gold IRA Rollover
After decades of work, your Merrill Lynch account represents real money—money you earned one paycheck at a time. Here's exactly how to move it to a Gold IRA without taxes or penalties.
This is simpler than it sounds. Merrill Lynch, now part of Bank of America, provides retirement services for both individual and employer-sponsored accounts.
Nervous About Doing This Yourself?
Most people are. Augusta calls Merrill Lynch for you, handles all the paperwork, and makes sure nothing goes wrong.
Step-by-Step: Rolling Over Your Merrill Lynch Account
Your Gold IRA company handles most of this. You just need to know what's happening.
Open your Gold IRA account
Log into Merrill Edge or call 888-637-3343
Request a direct rollover distribution
Provide Gold IRA custodian details
Complete any required authorization forms
Merrill sends funds via check or wire
How Long Does This Take?
Here's what to expect once you start the process.
What Helps
- Bank of America customers may have expedited processing
- Merrill Edge self-directed accounts are easier to roll over
- Financial advisors can assist with the process
- Wire transfers available for faster delivery
Things to Avoid
- 401(k) plans through employers may have different rules
- Advisory accounts may require advisor approval
- Verify there are no early termination fees
Merrill Lynch Rollover Process Details
Merrill Lynch (Bank of America) offers both advisor-assisted and self-service rollover options. Processing is typically efficient.
Account Types You Can Roll Over from Merrill Lynch
If You Want to Call Yourself
Here's Merrill Lynch's rollover line. Or let Augusta handle it for you.
Skip the Phone Calls
Augusta contacts Merrill Lynch for you, handles all the paperwork, and makes sure your rollover goes smoothly. No cost to get started.
Get Free Rollover KitHave an Account Somewhere Else?
Fidelity
BrokerageFidelity Investments is one of the largest retirement plan administrators in the United States, managing over $11 trillion in assets. Rolling over a Fidelity 401(k) or IRA to a Gold IRA is a straightforward process.
Vanguard
BrokerageVanguard is known for low-cost index funds and manages retirement accounts for millions of Americans. Their rollover process requires some paperwork but is well-documented.
Charles Schwab
BrokerageCharles Schwab merged with TD Ameritrade and now serves millions of retirement account holders. They offer one of the faster rollover processes in the industry.
Common Questions About Merrill Lynch Rollovers
Straight answers. No financial jargon.
How long is this going to take?
Merrill Lynch rollovers typically take 5-7 business days. You can start online, which speeds things up.
Will I owe taxes on this?
No. A direct rollover from Merrill Lynch to a Gold IRA is 100% tax-free. The money goes straight from one account to the other—you never touch it. No taxes, no penalties. It's the same money, just in a different account.
What happens to my current investments?
Your stocks, bonds, or mutual funds at Merrill Lynch get sold and converted to cash. That cash then transfers to your Gold IRA, where you use it to buy physical gold. Your Gold IRA company walks you through choosing the right metals.
You Built This. Now Protect It.
After years of saving with Merrill Lynch, your retirement deserves real protection. Augusta handles everything—they call Merrill Lynch, complete the paperwork, and make sure your money is safe every step of the way.