The employee financial wellness journey
Your employees are unique, each on a personal journey with their own hopes, dreams and futures. They have a lot on their minds — like meeting the demands of today while preparing for tomorrow. We get that, which is why our approach to the participant experience delivers guidance that goes beyond traditional benefits, providing more of what each employee needs, every step of the way.
We're here for life — their life.
Guiding each journey
Our goal is to help employees connect their workplace benefits to what matters in life — gaining more from their employers’ valuable offerings. So we're continually innovating to both simplify their path to financial wellness and help them stay on track through life’s twists and turns. Through this high-tech, high-touch approach to financial empowerment, employees can get the most of their Bank of America Workplace BenefitsTM
Click through our tailored approach to helping employees thrive.
Start today
Login, set up and start exploring all the potential that benefits can offer to life.
Feel more confident
Gain understanding of how to connect benefits with unique financial needs and start setting goals.
Imagine tomorrow
Leverage tools to create a personalized plan, helping meet current demands while staying focused on the future.
Achieve more together
Ramp up for retirement by leaning into our guided hightech, high-touch experience and determine next steps.
Experience the difference
From the first paycheck to retirement and beyond, we're here to support today's needs through tomorrow's goals.
Frequently asked questions
Connect with a team member today.
Discover how we can empower your employees through powerful tools and personalized guidance.
Related Topics
Personal Retirement Strategy is an online investment advisory program sponsored by Merrill Lynch, Pierce, Fenner & Smith Inc. (“MLPF&S” or “Merrill”) that uses a probabilistic approach to determine the likelihood that participants in the program will accumulate sufficient total assets to achieve their annual retirement income goal. Additionally, the recommendations provided by Personal Retirement Strategy may include a higher level of investment risk than a participant may be personally comfortable with. Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. Participants are strongly advised to consider their personal goals, overall risk tolerance, and retirement horizon before accepting any recommendations made by Personal Retirement Strategy. Participants should carefully review the explanation of the methodology used, including key assumptions and limitations, which is provided in the Personal Retirement Strategy disclosure document (ADV Part 2A). It can be obtained through Benefits OnLine® or through the Retirement Benefits Contact Center.
Merrill offers a broad range of brokerage, investment advisory and other services. There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select.
IMPORTANT: The projections or other information shown in the Advice Access program and/or the Personal Retirement Strategy program regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.
401k Pay is a feature of Personal Retirement Strategy that uses a probabilistic approach to determine the likelihood participants can achieve a retirement income amount.