A Guide to Your Merrill Lynch Statement
|
|
- Calvin Spencer
- 7 years ago
- Views:
Transcription
1 A Guide to Your Merrill Lynch Statement Understanding features and benefits tracking progress As a Merrill Lynch client, you receive a user-friendly monthly statement that gives you a snapshot of where you stand financially across both sides of your balance sheet and within each Merrill Lynch account and product type. While the Merrill Lynch statement is simple by design and intended to be easy to read, we ve prepared this guide to explain its features and benefits and to answer any questions you might have. You can view your statements, your trade confirmations and this guide online. And you can print your statements or save them to your computer or CD. To opt for online delivery and convenient alerts, visit TM. Inside Statement Structure 2 Key Information 4 - Summary Pages 4 - Account Detail Pages 6 Additional Statement Features 11 Additional Client Reporting 12
2 Statement Structure Your Merrill Lynch statement is structured to make it easy to locate information. It s based on up to five summary pages, supported by account detail pages. Shown here is a map of the Merrill Lynch statement. Not all clients will receive all the summary pages. Summary Pages JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST Need Investment Guidance? Call Your Financial Advisor Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST john_advisor@ml.com (000) If you have questions on your statement, call 24-Hour Assistance: (800) MERRILL (800) Primary Account: 1X YOUR MERRILL LYNCH REPORT December 01, December 31, 2009 PORTFOLIO SUMMARY December 31 November 30 Month Change Net Portfolio Value $1,167, $1,015, $151, Your Assets $1,169, $1,015, $154, Your Liabilities ($2,200.00) Your Net Cash Flow (Inflows/Outflows) ($305.48) ($1,324.01) Securities You Transferred In/Out Subtotal Net Contributions ($305.48) ($1,324.01) Your Dividends/Interest Income $ $1, Your Market Change $151, $42, Subtotal Investment Earnings $152, $43, Net Portfolio Value (in millions), Up-to-date account information can be viewed at: where your statements are archived for three or more years. 4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 Questions about mymerrill.com? Click the help *Link relationship change. tab at the top of the screen once you log in. Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details. INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill is a fast, flexible, safe way to reduce paper mail. Visit to enroll today. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. 24-Hour Assistance: (800) MERRILL YOUR ACCOUNTS December 01, December 31, 2009 Account No. Account Type/Managing Firm December 31 November 30 Page BEYOND BANKING Beyond Banking marketing message displayed here. INVESTMENTS 1 JOHN Q CUSTOMER AND 1X CMA 1,149, , This account has a margin debit balance. Please see the enclosed account statement for details. RETIREMENT JOHN S RETIREMENT 2X IRA 17, , CREDIT & LENDING JOHN Q CUSTOMER AND Mortgage as of 07/29/09 (183,612.50) (185,972.50) JOHN Q CUSTOMER AND Home Equity as of 07/29/09 Available Credit: 200, Subtotal (183,612.50) (185,972.50) Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month s mortgage and home equity balances are not as of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement. ESTATE PLANNING SERVICES Estate Planning Services marketing message displayed here. SOLUTIONS FOR BUSINESS Business Financial Marketing Message displayed here. All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of you or your in these reports refer to all owners. The enclosed separate account statements are the official record for each account. 1 of 27 2 of 27 Your Merrill Lynch Report Integrates Assets and Liabilities in one view Highlights changes in Portfolio Summary including net cash flow, security deposits/ withdrawals and market change Displays trends over the past five years plus the current year Provides information on opportunities to obtain investment guidance Your Accounts Presents a top-level overview of your individual accounts Includes all product categories, from Retirement to Solutions for Business Account Detail Pages (CMA account shown as an example. Pages to be repeated for all accounts.) Online at 24-Hour Assistance: (800) MERRILL THIS IS A LINE OF 30 CHARACTER Net Portfolio Value: $65,522, JOHN Q CUSTOMER Your Financial Advisor: 123 ANY STREET ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ANYTOWN, ST ADDRESS 1 UP TO 30 CHARACTERS TO ACCOMODATE MAXIMUM OF ADDRESS 2 UP TO 30 CHARACTERS 6 LINES TOTAL DEPTH robert_advisor@ml.com (000) CMA ACCOUNT December 01, 2009 December 31, 2009 ASSETS December 31 November 30 CASH FLOW This Statement Year to Date Cash/Money Accounts 7,198, ,927, Opening Cash/Money Accounts 152, Fixed Income 34,548, ,562, CREDITS Equities 15,395, ,365, Funds Received 10, ,725, Mutual Funds Electronic Transfers 100, , Options 14, Other Credits 2, , Other 8,409, ,313, Subtotal 112, ,890, Alternative Investments DEBITS Subtotal (Long Portfolio) Electronic Transfers (41,000.00) (843,000.00) Estimated Accrued Interest 346, , Margin Interest Charged (3,734.00) (6,789.00) Life Insurance/Annuities Other Debits (2,766.00) (364,847.07) TOTAL ASSETS $65, $64,464, Visa Purchases (debits) (26,.97) ATM/Cash Advances (3,500.00) Checks Written/Bill Payment (83,887.71) LIABILITIES Subtotal (47,500.00) (1,328,025.75) Margin Loan/Debit Balance Short Market Value (390,000.00) (150,000.00) Net Cash Flow $65, $562, Dividends/Interest Income 20, , TOTAL LIABILITIES ($390,000.00) ($150,000.00) Dividend Reinvestments (468.52) (2,811.12) Security Purchases/Debits (25,974.00) (636,540.22) NET PORTFOLIO VALUE $65,522, $64,464, Security Sales/Credits 51, , This account is pledged as collateral for Loan Management Account # XXX-XXXXX. Closing Cash/Money Accounts $262, Securities You Transferred In/Out 35, , Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL ACCOUNT INVESTMENT OBJECTIVE December 01, December 31, 2009 TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the risk of price volatility and principal loss. If you have changes to your investment objective, please contact your Financial Advisor(s). YOUR CMA BANK DEPOSIT INTEREST SUMMARY Average Current Interest on Closing Money Account Description Opening Balance Deposit Balance Yield% Deposits Balance FIA Card Services, N.A. 98,010 98, ,369 Bank of America RI, N.A. 0 3, ,024 TOTAL ML Bank Deposit Program 98,010 $ ,39 ITEMS FOR ATTENTION Security Message Date Security Message Date EMC CORPORATION MASS Opinion Upgraded PFIZER INC DEL PV $0.05 Opinion Downgraded JPM /2 Option Expiring 12/10/09 YOUR CMA ASSETS CASH/MONEY ACCOUNTS Total Estimated Estimated Estimated Est. Annual Description Quantity Cost Basis Market Price Market Value Annual Income Yield% CASH ML BANK DEPOSIT PROGRAM 126, , , , TOTAL 126, , , of of 27 Account Summary includes: Assets, Liabilities and Cash Flow for each individual account Delivers details on: Account Investment Objective Bank Deposit Interest Summary Items for Attention Your Assets 2 Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.
3 (1) Secured by assets in a Merrill Lynch account YOUR CMA TRANSACTIONS December 01, December 31, 2009 $8,000 $2,000 $ But to receive those for which you qualify, you should first make sure that you have linked your Merrill Lynch accounts. This will allow you to receive all your brokerage account statements in one envelope, as well as potentially increase the number of summary pages you may receive. YOUR BALANCE SHEET (for your ML accounts) December 01, December 31, 2009 ASSETS CASH FLOW December 31 November 30 This Report Year to Date Cash/Money Accounts 128, , Opening Cash/Money Accounts 102, Fixed Income 205, , CREDITS Equities 300, , Funds Received 4, ,725, Mutual Funds 64, Electronic Transfers 13, , Options Other Credits , Other Subtotal 18, ,790, Alternative Investments 10, DEBITS Subtotal (Long Portfolio) 709, , Electronic Transfers (15,600.00) (52,900.00) Estimated Accrued Interest , Margin Interest Charged Life Insurance/Annuities 459, , Other Debits (2,766.23) (364,847.07) TOTAL ASSETS $1,169, $1,015, Visa Purchases (debits) (169.93) (26,.97) ATM/Cash Advances (254.00) (3,500.00) Checks Written/Bill Payment (53.05) (867,255.71) LIABILITIES Subtotal (18,843.21) (1,314,504.75) Margin Loan/Debit Balance Net Cash Flow (305.48) $475, Short Market Value (2,200.00) Dividends/Interest Income , Subtotal (2,200.00) Dividend Reinvestments (138.00) (276.00) Security Purchases/Debits 475, NET PORTFOLIO VALUE $1,167, $1,015, Security Sales/Credits 25, , Closing Cash/Money Accounts $128, OTHER LIABILITIES (not included in Net Portfolio Value) Securities You Transferred In/Out (42,456.78) Loan Management Account (1) Mortgages (183,612.50) (185,972.50) Home Equity Loans Business Loans (4,000.00) (4,350.00) Subtotal (187,612.50) (190,322.50) TOTAL LIABILITIES ($189,812.50) ($190,322.50) 24-Hour Assistance: (800) MERRILL YOUR PORTFOLIO REVIEW December 01, December 31, 2009 ASSET ALLOCATION* Estimated Accrued Interest not included May not reflect all holdings Percent Other 40% Equities 27% Fixed Income 21% Cash/Money Accounts 11% Alternative Investments 1% TOTAL 100% * Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs BOND MATURITY SCHEDULE Does not include Fixed Income Mutual Funds % of Total Estimated Maturity Years Bond Assets Par Value Market Value % 40,000 42, % 85,000 89, % 80,000 23, Total 100% 205,000 $155, CURRENT INCOME Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec This Report Year To Date Tax-Exempt Interest , Taxable Interest , Tax-Exempt Dividends Taxable Dividends Total $ $15, Estimated Annual Income $18, TOP FIVE PORTFOLIO HOLDINGS Based on Estimated Market Value % of Current Value Portfolio Lowes Companies 214, % ML Bank Deposit Program 126, % Hawaii St. Hsg Fin & Dev 89, % Hewlett Packard Co Del 71, % Hawaiian Electric Inc 49, % YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW December 01, December 31, 2009 INCOME SUMMARY This Report Year to Date Tax- Tax- Total Tax- Tax- Total Exempt Taxable Exempt Taxable This Report Exempt Taxable Exempt Taxable YTD Account No. Interest Interest Dividends Dividends» Income Interest Interest Dividends Dividends Income Non-Retirement 1X ,042 1,818 2, ,207 Subtotal ,042 1,818 2, ,207 Retirement 2X Subtotal TOTAL $233 $360 $1 $449 $1,043 $1,818 $2,432 $58 $957 $5,265» Dividends may include long term capital gain distributions. GAIN/(LOSS) SUMMARY Long Term Capital Realized Gains/(Losses) Gain Distributions Unrealized Gains/(Losses) This Report YTD This Report YTD Account No. Short Term Short Term Long Term Long Term Year To Date Short Term Long Term Non-Retirement 1X , , , , , Subtotal 6, , , , , Retirement 2X N/A 10, Subtotal N/A 10, TOTAL $6, $26, $2, $11, $ $56, of 27 4 of 27 5 of 27 Your Balance Sheet Shows both Assets and Liabilities Includes Loan Management Account and mortgage account values Cash Flow section has a comprehensive list of credits and debits including a true net cash flow value Your Portfolio Review Features an Asset Allocation chart and a Current Income graph Highlights important data about your top five holdings Fixed income security holders will receive a Bond Maturity Schedule Financial Market Indicators and marketing messages may be included for some accounts Your Monthly Income & Gain/(Loss) Review Provides Income Summary and Gain/(Loss) Summary for each account in your portfolio Offers information on interest and dividends earned for the current reporting period and year to date Summarizes realized and unrealized gains and losses JOHN Q CUSTOMER AND YOUR CMA ASSETS December 01, December 31, 2009 CDs/EQUIVALENTS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% + CD AMERICAN NTL BK & TRST 12/14/01 40,000 40, , , , CHICAGO, ILLINOIS % DEC CUSIP: YTD PREMIUM AMORTIZATION: TOTAL 40,000 40, , , , GOVERNMENT AND AGENCY SECURITIES Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% + GNM P % /07/90 60,000 3, , CUSIP: AMORTIZED FACTOR AMORTIZED VALUE 3263 ORIGINAL UNIT/TOTAL COST: / TOTAL 60,000 3, , CORPORATE BONDS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% NM BANK AMERICA CORP BE 03/26/01 20,000 20, , , CUSIP: DEC18 MTLY-PAY % FIXRATE MOODY S: AA3 S&P: A< CALL PRICE: CALL DATE: 12/15/09 TOTAL 20,000 20, , , MUNICIPAL BONDS Adjusted/Total Estimated Estimated Unrealized Estimated Estimated Current Description Acquired Quantity Cost Basis Market Price Market Value Gain/(Loss) Accrued Interest Annual Income Yield% HAWAII ST HSG FIN & DEV 06/24/98 85,000 85, , , , CRP SFM PUR REV SR A AMT JUN %DEC01 08 MOODY S: AAA S&P: AAA CUSIP: RESET RATE: RESET DATE: 12/11/09 TOTAL 85,000 85, , , , JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued) Income Date Transaction Type Quantity Description Reinvestment Income Year To Date Subtotal (Interest) , /22 Lg Tm Cap Gain» LOWE S COMPANIES INC /22 Reinvestment LOWE S COMPANIES INC (138.00) 12/22 * Dividend LOWE S COMPANIES INC /22 Reinvestment LOWE S COMPANIES INC (234.00) 12/22 Lg Tm Cap Gain» BLACKROCK GLOBAL ALLOC HOLDING QUAL DIV PAY DATE 12/05/ /22 Divd Reinvestment 3 LOWE S COMPANIES INC REINV AMOUNT $ REINV PRICE $46.00 QUANTITY BOUGHT 3.00 Subtotal (Dividends) , NET TOTAL 1, ,362.09» Long Term Capital Gain Distributions The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid. SECURITY TRANSACTIONS Unit Accrued Interest Date Description Transaction Type Quantity Price Debit Credit Earned/(Paid) 12/15 AUTOMATIC DATA PROC Sale , CUS NO /18 AUTOMATIC DATA PROC Sale , CUS NO /22 SUN MICROSYSTEMS INC COM Sale , Subtotal (Sales) 15, Note: Specific detail sections may not appear in all statements, depending on account type, holdings and activity. 8 of of 27 Your Assets Delivers a comprehensive listing of assets in your account by category: Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments Your CMA Transactions: Provides detail on Income, Security Transactions, Securities You Transferred In/Out (if applicable), and Realized Gains/(Losses) 3
4 Key Information In the pages that follow, we ll take you on a guided tour of your statement and show you some of the key features and benefits. Summary Pages Your Merrill Lynch Report This page shows your personal balance sheet your Merrill Lynch Assets and Liabilities in one view. JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST Need Investment Guidance? Call Your Financial Advisor Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST john_advisor@ml.com (000) Primary Account: 1X YOUR MERRILL LYNCH REPORT December 01, December 31, 2009 PORTFOLIO SUMMARY December 31 November 30 Month Change Net Portfolio Value $1,167, $1,015, $151, Your Assets $1,169, $1,015, $154, Your Liabilities ($2,200.00) 1 Your Net Cash Flow (Inflows/Outflows) ($305.48) ($1,324.01) Securities You Transferred In/Out Subtotal Net Contributions ($305.48) ($1,324.01) Your Dividends/Interest Income $ $1, Your Market Change $151, $42, Subtotal Investment Earnings $152, $43, Net Portfolio Value (in millions), Portfolio Summary Highlights changes in Portfolio Summary including Net Cash Flow, Securities Deposits/Withdrawals and Market Change. If you have questions on your statement, call 24-Hour Assistance: (800) MERRILL (800) Up-to-date account information can be viewed.92 at: where your statements are archived for three or more years. 4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 Questions about mymerrill.com? Click the help *Link relationship change. tab at the top of the screen once you log in. Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details. INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill is a fast, flexible, safe way to reduce paper mail. Visit to enroll today. Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation. Net Portfolio Value The line chart displays trends over the past five years plus the current year of 27 Your Accounts This summary page lists all your linked accounts. Open 24/7 Our 24-hour assistance number appears prominently on every other page. Your statement also features contact information for your Merrill Lynch Financial Advisor. Your Balance Sheet This page clearly presents your Assets and Liabilities, demonstrating the value of consolidating and integrating asset management with debt management. YOUR ACCOUNTS December 01, December 31, 2009 BEYOND BANKING Beyond Banking marketing message displayed here. Account No. Account Type/Managing Firm December 31 November 30 Page INVESTMENTS JOHN Q CUSTOMER AND 1X CMA 1,149, , This account has a margin debit balance. Please see the enclosed account statement for details. RETIREMENT JOHN S RETIREMENT 2X IRA 17, , CREDIT & LENDING JOHN Q CUSTOMER AND Mortgage as of 07/29/09 (183,612.50) (185,972.50) JOHN Q CUSTOMER AND Home Equity as of 07/29/09 Available Credit: 200, Subtotal (183,612.50) (185,972.50) Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month s mortgage and home equity balances are not as of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement. ESTATE PLANNING SERVICES Estate Planning Services marketing message displayed here. SOLUTIONS FOR BUSINESS Business Financial Marketing Message displayed here. ASSETS Hour Assistance: (800) MERRILL All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of you or your in these reports refer to all owners. The enclosed separate account statements are the official record for each account. YOUR BALANCE SHEET (for your ML accounts) December 01, December 31, 2009 December 31 November 30 Cash/Money Accounts 128, , Fixed Income 205, , Equities 300, , Mutual Funds 64, Options Other Alternative Investments 10, Subtotal (Long Portfolio) 709, , Estimated Accrued Interest , Life Insurance/Annuities 459, , TOTAL ASSETS $1,169, $1,015, LIABILITIES Margin Loan/Debit Balance Short Market Value (2,200.00) Subtotal (2,200.00) NET PORTFOLIO VALUE $1,167, $1,015, OTHER LIABILITIES (not included in Net Portfolio Value) Loan Management Account (1) Mortgages (183,612.50) (185,972.50) Home Equity Loans Business Loans (4,000.00) (4,350.00) Subtotal (187,612.50) (190,322.50) TOTAL LIABILITIES ($189,812.50) ($190,322.50) (1) Secured by assets in a Merrill Lynch account CASH FLOW This Report Year to Date Opening Cash/Money Accounts 102, CREDITS Funds Received 4, ,725, Electronic Transfers 13, , Other Credits , Subtotal 18, ,790, DEBITS Electronic Transfers (15,600.00) (52,900.00) Margin Interest Charged Other Debits (2,766.23) (364,847.07) Visa Purchases (debits) (169.93) (26,.97) ATM/Cash Advances (254.00) (3,500.00) Checks Written/Bill Payment (53.05) (867,255.71) Subtotal (18,843.21) (1,314,504.75) Net Cash Flow (305.48) $475, Dividends/Interest Income , Dividend Reinvestments (138.00) (276.00) Security Purchases/Debits 475, Security Sales/Credits 25, , Closing Cash/Money Accounts $128, Securities You Transferred In/Out (42,456.78) of 27 3 of 27 Account Level Summary Your accounts summarized in one view. Margin-Available Credit is displayed for applicable accounts. Also, this page is organized by product categories for clear, consistent communication about your financial life. Liabilities Section The Liabilities section clearly differentiates classes of liabilities and provides information on margin accounts, securities-based lending, mortgages and/or home equity loans with Merrill Lynch Home Loans and business loans. For most clients, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear automatically on your statement unless you have elected a privacy choice that prohibits this.* 4 * For clients who are residents of California and Vermont, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear on your statement only if you have provided affirmative written consent. Any first and/or home equity mortgage client who wishes to change an existing privacy election must provide written consent. If you have any questions, or to obtain instructions and a Consent to Change form, you can call a loan servicing agent directly at (888) ; or you can go to:
5 Your Portfolio Review We ve laid out this information in four quadrants to make it easy to access and understand. Asset Allocation Shows how your account is allocated among the following asset categories: Cash and Money Accounts, Fixed Income, Equities, Alternative Investments or Other. A footnote may appear regarding allocation of Mutual Funds, if applicable. Bond Maturity Schedule Presented here is the total value of your bond portfolio within defined maturity ranges. The table also shows the par value of the bond portfolio residing within each maturity range. YOUR PORTFOLIO REVIEW December 01, December 31, 2009 ASSET ALLOCATION* Estimated Accrued Interest not included May not reflect all holdings Percent 40% Other Equities 27% Fixed Income 21% Cash/Money Accounts 11% Alternative Investments 1% TOTAL 100% * Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs BOND MATURITY SCHEDULE Does not include Fixed Income Mutual Funds % of Total Estimated Maturity Years Bond Assets Par Value Market Value % 40,000 42, % 85,000 89, % 80,000 23, Total 100% 205,000 $155, Hour Assistance: (800) MERRILL CURRENT INCOME $8,000 $2,000 $0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec This Report Year To Date , Tax-Exempt Interest 2, Taxable Interest Tax-Exempt Dividends Taxable Dividends $15, Total $ $18, Estimated Annual Income TOP FIVE PORTFOLIO HOLDINGS Based on Estimated Market Value % of Current Value Portfolio Lowes Companies 214, % ML Bank Deposit Program 126, % Hawaii St. Hsg Fin & Dev 89, % Hewlett Packard Co Del 71, % Hawaiian Electric Inc 49, % of 27 Current Income This chart graphically depicts monthly and year-to-date income. Additionally, it delineates interest paid on taxable versus tax-exempt securities and displays the values of dividends paid on both a taxable and tax-exempt basis. Financial Market Indicators This chart appears on the Portfolio Review page if you don t have fixed income securities. It shows the value of major market indicators for both the current and prior periods. Your Monthly Income & Gain/(Loss) Review This page provides a summary of income from interest and dividends, as well as information on gains and losses for each account during the current month and year to date. Gain/(Loss) Summary Shows long- and short-term gains and losses, both realized and unrealized, for each account, and year-to-date values for long- term capital gain distributions. YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW December 01, December 31, 2009 INCOME SUMMARY This Report Year to Date Tax- Tax- Total Tax- Tax- Total Exempt Taxable Exempt Taxable This Report Exempt Taxable Exempt Taxable YTD Account No. Interest Interest Dividends Dividends» Income Interest Interest Dividends Dividends Income Non-Retirement 1X ,042 1,818 2, ,207 Subtotal ,042 1,818 2, ,207 Retirement 2X Subtotal TOTAL $233 $360 $1 $449 $1,043 $1,818 $2,432 $58 $957 $5,265» Dividends may include long term capital gain distributions. GAIN/(LOSS) SUMMARY Long Term Capital Realized Gains/(Losses) Gain Distributions Unrealized Gains/(Losses) YTD This This Report Report YTD Account No. Short Term Short Term Long Term Long Term Year To Date Short Term Long Term Non-Retirement 1X , , , , , Subtotal 6, , , , , Retirement 2X N/A 10, Subtotal N/A 10, TOTAL $6, $26, $2, $11, $ $56, of 27 Income Summary Shows income generated and received during the month and year to date. This table separates interest received on taxexempt securities from that received on taxable securities and displays dividends paid on both a taxable and tax-exempt basis. Total values are shown for each account and for your overall portfolio. 5
6 Key Information Continued We ve selected a sample CMA account to give you a sense of the account detail available in your Merrill Lynch statement. While specific sections may not appear in all statements, you ll find that the information is presented consistently for each account. Account Detail Pages Account Summary Page This page summarizes the assets, liabilities and cash flow for each account. The net portfolio value is highlighted. Assets You ll see current month and prior month values for all asset categories in the account. Online at 24-Hour Assistance: (800) MERRILL THIS IS A LINE OF 30 CHARACTER JOHN Q CUSTOMER 123 ANY STREET ANYTOWN, ST TO ACCOMODATE MAXIMUM OF 6 LINES TOTAL DEPTH Net Portfolio Value: $65,522, CMA ACCOUNT December 01, 2009 December 31, 2009 ASSETS December 31 November 30 Cash/Money Accounts 7,198, ,927, Fixed Income 34,548, ,562, Equities 15,395, ,365, Mutual Funds Options 14, Other 8,409, ,313, Alternative Investments Subtotal (Long Portfolio) Estimated Accrued Interest 346, , Life Insurance/Annuities TOTAL ASSETS $65, $64,464, LIABILITIES Margin Loan/Debit Balance Short Market Value (390,000.00) (150,000.00) TOTAL LIABILITIES ($390,000.00) ($150,000.00) NET PORTFOLIO VALUE $65,522, $64,464, This account is pledged as collateral for Loan Management Account # XXX-XXXXX. Your Financial Advisor: ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ADDRESS 1 UP TO 30 CHARACTERS ADDRESS 2 UP TO 30 CHARACTERS robert_advisor@ml.com (000) CASH FLOW This Statement Year to Date Opening Cash/Money Accounts 152, CREDITS Funds Received 10, ,725, Electronic Transfers 100, , Other Credits 2, , Subtotal 112, ,890, DEBITS Electronic Transfers (41,000.00) (843,000.00) Margin Interest Charged (3,734.00) (6,789.00) Other Debits (2,766.00) (364,847.07) Visa Purchases (debits) (26,.97) ATM/Cash Advances (3,500.00) Checks Written/Bill Payment (83,887.71) Subtotal (47,500.00) (1,328,025.75) Net Cash Flow $65, $562, Dividends/Interest Income 20, , Dividend Reinvestments (468.52) (2,811.12) Security Purchases/Debits (25,974.00) (636,540.22) Security Sales/Credits 51, , Closing Cash/Money Accounts $262, Securities You Transferred In/Out 35, , Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation of 27 Cash Flow Here s an easy-to-use summary of debits and credits for the account for the month and year- to-date. Liabilities Margin loan/debit balances and short position values are included here; Merrill Lynch Home Loans home equity lines, mortgages and other loans appear only on the Your Accounts and Balance Sheet summary pages if applicable. Margin-Available Credit is displayed, if applicable. Account Investment Objective Your account s listed investment objective(s) and description(s) are displayed here. Your Bank Deposit Interest Summary Shows balances on your bank deposits with FIA Card Services, NA and/or Bank of America RI, NA. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL ACCOUNT INVESTMENT OBJECTIVE December 01, December 31, 2009 TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the risk of price volatility and principal loss. If you have changes to your investment objective, please contact your Financial Advisor(s). YOUR CMA BANK DEPOSIT INTEREST SUMMARY Average Current Interest on Closing Money Account Description Opening Balance Deposit Balance Yield% Deposits Balance FIA Card Services, N.A. 98,010 98, ,369 Bank of America RI, N.A. 0 3, ,024 TOTAL ML Bank Deposit Program 98,010 $ ,39 ITEMS FOR ATTENTION Security Message Date Security Message Date EMC CORPORATION MASS Opinion Upgraded PFIZER INC DEL PV $0.05 Opinion Downgraded JPM /2 Option Expiring 12/10/09 YOUR CMA ASSETS CASH/MONEY ACCOUNTS Total Estimated Estimated Estimated Est. Annual Description Quantity Cost Basis Market Price Market Value Annual Income Yield% CASH ML BANK DEPOSIT PROGRAM 126, , , , TOTAL 126, , , of 27 Items for Attention Look here for changes in research opinions on equity positions, alerts that options are expiring, bonds are maturing and other important messages. Your Assets Here you ll find a comprehensive list of securities within the account. Look in this section for important tax lot information, subtotals by asset type, and price and valuation information. You ll also see a calculation of the yield for each investment. 6
7 Alternative Investments If you hold alternative investments, they will be listed here. JOHN Q CUSTOMER AND YOUR CMA ASSETS December 01, December 31, 2009 Cumulative MUTUAL FUNDS/CLOSED END FUNDS/UIT Total Estimated Estimated Unrealized Total Client Investment Estimated Current Basis Market Price Market Value Gain/(Loss) Investment Return ($) Annual Income Yield% Description Quantity Cost BLACKROCK 1,301 17, , , , 8, GLOBAL ALLOCATION C SYMBOL: XXXXX Initial Purchase: 12/26/96 Equity 100%.9370 Fractional Share N/A N/A 4.16 HAWAIIAN TAX FREE TR SBI 1,109 12, , ,402 8, ,742 N/A , N/A 13,725 18,657 1, SYMBOL: XXXXX Initial Purchase: 12/15/98 Fixed Income 100%.8780 Fractional Share N/A N/A 4.15 Subtotal (Fixed Income) 45, Subtotal (Equities) 18, TOTAL 30, , ,890 Total Client Investment: Cost of shares directly purchased and still held. Does not include Unrealized Gain or (Loss): Estimated Market Value minus Total Cost Basis. Provided shares purchased through reinvestment. for Tax Planning purposes only and is not applicable to retirement accounts denoted Cumulative Investment Return: Estimated Market Value minus Total Client Investment. by N/A. Cumulative Investment Return is the capital appreciation (depreciation) of all shares purchased, Initial Purchase: Date of your initial investment in this fund. including shares purchased through reinvestment. Market Timing: Merrill Lynch's policies prohibit mutual fund market timing, which involves the purchase and sale of mutual fund shares within short periods of time with the intention of capturing short-term profits resulting from market volatility. Market timing may result in lower returns for long-term fund shareholders because market timers capture short-term gains that would otherwise pass to all shareholders and due to increased transaction costs and fewer assets for investment due to the need to retain cash to satisfy redemptions. Long Portfolio Provides a total for Adjusted/Total Cost Basis, Estimated Market Value, Unrealized Gain (or Loss), Estimated Accrued Interest, Estimated Annual Income and Current Yield %. ALTERNATIVE INVESTMENTS Unit Total Estimated Estimated Unrealized Estimated Current Description Basis Basis Market Price Market Value Gain/(Loss) Annual Income Yield% Acquired Quantity Cost Cost CAMPBELL STRATEGIC 12/17/ , , (39,929.00) 000,000,000 ALLOCATION FUND LP TOTAL 49, , (39,929.00) LONG PORTFOLIO Adjusted/Total Estimated Unrealized Estimated Estimated Current Cost Basis Market Value Gain/(Loss)Accrued Interest Annual Income Yield% 426, , , , TOTAL of 27 Liabilities Lists the liabilities in your account, including short positions. JOHN Q CUSTOMER AND YOUR CMA LIABILITIES December 01, December 31, 2009 SHORTS Unit Total Estimated Estimated Unrealized Estimated Current Description Basis Basis Market Price Market Value Gain/(Loss) Annual Income Yield% Acquired Quantity Cost Cost CALL JPM /07/ , (1,250.00) 7/2 JP MORGAN CHASE AND CO EXP OPEN TRAN SYMBOL: XXX TOTAL $2, (1,250.00) YOUR CMA INDEPENDENTLY VALUED DIRECT INVESTMENTS Description Quantity Est. Value Per Unit* Est. Value* ML MEDIA PARTNERS LP N/A N/A (2) * The amounts presented for limited partnerships and other direct investments are for informational purposes only, generally do not represent the market or liquidation value of these investments, and may vary from values (if any) provided by the issuer or others. These investments are generally illiquid and are not listed on a national securities exchange or The Nasdaq Stock Market, and investors may not be able to sell them or realize the amounts shown above upon a sale or liquidation. Also, these amounts are not included in the Priced Portfolio or similar categories of this statement. These investments are not registered in the name of or held by MLPF&S or its nominees and are held by you or registered in your name with the issuer or its agent. MLPF&S does not hold or act as custodian for these investments. The amounts represent one of the following, as indicated: (1) - An estimate of value provided to Merrill Lynch by an independent valuation service on an annual basis; in this case, an estimate of value based on information available to the service on March 15, This amount has not been adjusted to reflect changes which may have taken place subsequent to that valuation date. (2) - Unavailable; the value of this investment may be different than its original purchase price. YOUR CMA TRANSACTIONS Direct Investments If you hold direct investments, such as Limited Partnerships that are held outside Merrill Lynch, they will be listed here. DIVIDENDS/INTEREST INCOME TRANSACTIONS Income Date Transaction Type Quantity Description Reinvestment Income Year To Date 12/15 Bond Interest HAWAII ST HSG FIN+DEV CRP SFM POR REV SRA AMT JUN % DEC 0108 Subtotal (Tax-Exempt Interest) , /29 ³ Bank Interest BANK DEPOSIT INTEREST 1.25 Income Total ML Bank Deposit Interest of 27 Your Transactions Here s the record of activity in your account, organized in chronological order, by category. Security Transactions In addition to purchases, sales and redemptions, this section includes information on accrued interest and subtotals for selected categories. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL YOUR CMA TRANSACTIONS December 01, December 31, DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued) Income Date Transaction Type Quantity Description Reinvestment Income Year To Date Subtotal (Interest) , /22 Lg Tm Cap Gain» LOWE S COMPANIES INC /22 Reinvestment LOWE S COMPANIES INC (138.00) 12/22 * Dividend LOWE S COMPANIES INC /22 Reinvestment LOWE S COMPANIES INC (234.00) 12/22 Lg Tm Cap Gain» BLACKROCK GLOBAL ALLOC HOLDING QUAL DIV PAY DATE 12/05/ /22 Divd Reinvestment 3 LOWE S COMPANIES INC REINV AMOUNT $ REINV PRICE $46.00 QUANTITY BOUGHT 3.00 Subtotal (Dividends) , NET TOTAL 1, ,362.09» Long Term Capital Gain Distributions The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid. SECURITY TRANSACTIONS Unit Accrued Interest Date Description Price Earned/(Paid) Transaction Type Quantity Debit Credit 12/15 AUTOMATIC Sale , DATA PROC CUS NO /18 AUTOMATIC DATA PROC Sale , CUS NO /22 SUN MICROSYSTEMS INC Sale , COM Subtotal (Sales) 15, of 27 Dividends/Interest Income Transactions This is a summary of the dividends and interest earned for the statement period and year-to-date, including reinvestments. For tax-reporting purposes, dividends and interest are flagged as either taxable or tax-exempt. A footnote may appear to highlight dividends that may be subject to long-term capital gain distribution. 7
8 Key Information Continued Realized Gains/ (Losses) This summary of gains and losses for transactions closed within the month represents figures as short-term and long-term to guide your tax-planning and investment decisions. JOHN Q CUSTOMER AND YOUR CMA TRANSACTIONS December 01, December 31, 2009 SECURITY TRANSACTIONS (continued) Unit Accrued Interest Date Description Price Earned/(Paid) Transaction Type Quantity Debit Credit 12/14 FEDL FARM CREDIT BANK Redeemed -10,000 10, DISCOUNT NOTE ZERO% DEC PAY DATE 12/14/2009 INTEREST INCOME: $1,234.56* Subtotal (Other Security Transactions) 10, Total Accrued Interest Earned Total Accrued Interest Paid (000.00) TOTAL 25, * This amount represents the interest income associated with the security redemption. Your Tax Reporting Statement will reflect this amount. REALIZED GAINS/(LOSSES) Acquired/ Liquidation/ Cover Short Short Sale Gains/(Losses)* Date Date Statement Year Description Quantity Sale Amount Cost Basis This to Date X AUTOMATIC DATA PROC /17/95 12/15/05 3, , , /18/98 12/18/09 3, , , Subtotal (Long-Term) 2, , MICROSYSTEMS INC COM 6, SUN /21/09 12/22/09 8, , Subtotal (Short-Term) 6, , TOTAL 15, , , , Debt Instruments purchased at a premium show amortization θ Debt Instruments purchased at a discount show accretion N/C - Results may not be calculated for transactions which involve the amortization of premium, the repayment of principal, the sale of partnership interests, derivative products purchased in the secondary market, or the determination of ordinary income and or capital items for discount and zero-coupon issues. S - Short Sale P - Indicates that an option premium has been included in the calculation. CSVB - Indicates cover short versus box. N/A - Results which cannot be calculated because of insufficient data are reflected by an N/A entry in the capital gain or (loss) column and are not included in the realized capital gain and loss summary. DK - Identifies results which cannot be determined as short-term or long-term until combined with results of other 2008 broad-based index option (DK) transactions. CXL - Indicates the cancellation of an error transaction. COR - Reflects a correction entry. * - Trades settling this month but executed in 2007 must be reported in These totals exclude (DK) broad-based index option results. The Cost Basis for eligible Tax Lots purchased in the current year has not been adjusted by a portion of the current year Unlimited Advantage fee. If the account is enrolled in the Cost Basis Allocation Service, adjustments to Tax Lots will systematically occur at year-end. X The cost basis on the sale or redemption of this security is determined utilizing the First-In First-Out (FIFO) accounting methodology. If you transferred this security to Merrill Lynch from another firm, the cost basis may have been reported to you by the other firm using an average cost methodology. If you previously used an average cost methodology in reporting sales transactions of this security to the IRS, you may need to use an adjusted basis other than the one shown above. Please consult your tax advisor for more information of 27 Open Orders Indicates, with specific prices and quantities, any orders you have placed that remain unexecuted. Standing Instructions Shows the amount, type and frequency of the action. JOHN Q CUSTOMER AND 24-Hour Assistance: (800) MERRILL YOUR CMA TRANSACTIONS December 01, December 31, 2009 OPEN ORDERS Date Transaction Quantity Description Price 12/25 ORDER TO BUY 2,400 HEWLETT PACKARD CO DEL STANDING INSTRUCTIONS Transaction Frequency Description Amount ORDER TO BUY QUARTERLY ML GLOBAL ALLOCATION C 1, WHEN ISSUED Date Transaction Quantity Description 12/15 Bought W.I. 5,000 TRINITY AREA SCH DIST PA FGIC % JUL UNSETTLED TRADES Trade Settlement Symbol/ Transaction Date Date Cusip Type Description Quantity Price Amount 12/28 01/03 BELLSOUTH CORP BLS Purchase (3,119.91) 12/30 01/05 EXPRESS SCRIPTS INC COMMON ESRX Sale , NET TOTAL (8.00) CASH/OTHER TRANSACTIONS Date Transaction Type Quantity Description Debit Credit 12/08 ³ Funds Received CHECK DEPOSIT /11 ³ Funds Received CHECK DEPOSIT 2, /29 Funds Received CMA PAYROLL DE C/ 10/29 2, Subtotal (Funds Received) 4, /08 Direct Deposit US TREASURY /08 Pre-Authdebit EXXON CO USA /08 Funds Transfer CITIZENS BANK 1, /13 Wire Transfer WIRE TRF IN D , /13 Wire Transfer WIRE TRF OUTP , /22 Pre-Authdebit SYMBOL TECH When Issued Includes transaction details for When Issued securities. Unsettled Trades Provides a list of purchases/sales entered during the current month s statement period, but not settling until the following month of 27 Cash/Other Transactions This section lists miscellaneous transactions, such as funds received, electronic transfers, other debits/ credits and margin interest charged. JOHN Q CUSTOMER AND YOUR CMA TRANSACTIONS December 01, December 31, 2009 CASH/OTHER TRANSACTIONS (continued) Date Transaction Type Quantity Description Debit Credit 12/22 Funds Transfer BANK RETURN /23 Pre-Authdebit SYMBOL TECH /25 ACH WCM # /25 Wire Transfer WCM TRF OUT P , /25 Funds Transfer BANK ONE /25 ACH WCM # /25 ACH BANK RETURN # Subtotal (Electronic Transfers) 15, , /08 Journal Entry Tr From /25 Visa Signature MONTH-END SUMMARY DEBIT /29 Withdrawal CK # FIRST FEDERAL BANK Subtotal (Other Debits/Credits) NET TOTAL 2, VISA SIGNATURE ACTIVITY Trans. Date Date Cleared Description Location/Transaction Debit Credit 11/26 OPENING BALANCE.00 12/05 12/05 GOING FOR BAROQUE /12 12/22 * TINTON FALLS BUY TINTON FALLS NJ /12 12/22 * MARTY'S SHOES SHREWSBURY NJ /13 12/22 * MARSHALLS 55 SHREWSBURY NJ /13 12/22 * SAM GOODY EATONTOWN NJ Subtotal (Visa Activity) Purchase 12/18 ML ATM SMST NJ /18 PLUS ATM OCEAN NJ Subtotal (ATM Activity) /27 VISA: FIRST BANK & TRUST $ FEE: 2.50 LUFKIN TX Subtotal (Cash Advances) NET TOTAL /27 CLOSING BALANCE.00 Visa Signature Activity You ll see subtotals for selected categories Visa debit purchase activity, ATM activity and cash advances of 27 8
Get the most from your Merrill Edge statement. Learn about its features and benefits
Get the most from your Merrill Edge statement Learn about its features and benefits It s a snapshot of your finances Your user-friendly Merrill Edge statement gives you a snapshot of where you stand financially
More informationGuide to tax statements: Ameriprise brokerage and managed accounts not part of an IRA or other retirement plan
Guide to tax statements: Ameriprise brokerage and managed accounts not part of an IRA or other retirement plan Updated: Dec. 14, 2015 Table of Contents Introduction Summary Information statement (includes
More informationGet the most from your Merrill Lynch supplemental tax information statement
Get the most from your Merrill Lynch supplemental tax information statement Life s better when we re connected Contents Here s an overview.... 3 What is the Merrill Lynch supplemental tax information statement?...
More informationGet more from your account statement
Get more from your account statement Get more from your account statement Determining whether your investments are helping you work toward your financial goals requires that you stay informed regarding
More informationGet the most from your Merrill Lynch supplemental tax information statement
Get the most from your Merrill Lynch supplemental tax information statement Life s better when we re connected Contents Here s an overview.... 3 What is the Merrill Lynch supplemental tax information statement?...
More informationIRA/IRRA /SEP/SRA. Part 1: Account Owner Information. 1 of 6. Substantially Equal Periodic Payment (72(t)) Distribution Form
IRA/IRRA /SEP/SRA Substantially Equal Periodic Payment (72(t)) Distribution Form Use this form to establish Substantially Equal Periodic Payments (SEPPs) from a Merrill Lynch: Individual Retirement Account
More informationA Guide to Understanding Your Brokerage Account Statement. Rated Excellent Seven Years In A Row DALBAR RATED COMMUNICATIONS EXCELLENCE
A Guide to Understanding Your Brokerage Account Statement 2007 Introduction Few documents allow you to monitor your financial activity as closely as your brokerage account statement. This report provides
More informationA Guide to Your 2015 1099 Consolidated Tax Statement
February 2016 A Guide to Your 2015 1099 Consolidated Tax Statement Your Morgan Stanley 1099 Consolidated Tax Statement is designed to assist you in filing your federal income tax return. It is divided
More informationA Guide to Your 2014 1099 Consolidated Tax Statement
February 2015 A Guide to Your 2014 1099 Consolidated Tax Statement Your Morgan Stanley 1099 Consolidated Tax Statement is designed to assist you in filing your federal income tax return. It is divided
More informationHow to read your Brokerage Account Statement
How to read your Brokerage Account Statement Introduction Your brokerage account statement provides you with a concise, comprehensive picture of your financial status. At a glance, you can easily track
More informationSelf-Direct Brokerage
Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement
More informationHow to read your Brokerage Statement
How to Read Your Brokerage Account Statement Introduction This brochure aims to give you an overview of the features and benefits of First Republic Brokerage Account statements.1 Your personal Brokerage
More informationIRA/IRRA /Roth IRA/SEP/SRA
IRA/IRRA /Roth IRA/SEP/SRA Beneficiary Distribution Form Use this form to take a beneficiary distribution from any of the following Merrill Lynch account types from which you have inherited assets; including
More informationAsset Allocation Valuation at a Glance Purchasing Power Summary Customer Service Information Portfolio Holdings Transactions
INTRODUCTION Your brokerage account statement is a powerful tool that enables you to make informed investment decisions and helps you to effectively manage and maintain a balanced portfolio. Presenting
More informationAttention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option
M015471210 Attention clients with a Cash Management Account (CMA account): Your CMA account will soon have a new No Sweep primary money account option To meet the changing needs of our clients, we ll soon
More informationUnderstanding your cash sweep options
M914471105 Understanding your cash sweep options The following information is being provided so that you can review your cash sweep option(s) with your Merrill Lynch financial advisor ( financial advisor
More informationFederated New York Municipal Income Fund
Summary Prospectus October 31, 2015 Share Class A B Ticker NYIFX NYIBX Federated New York Municipal Income Fund A Portfolio of Federated Municipal Securities Income Trust Before you invest, you may want
More informationA guide to investing in cash alternatives
A guide to investing in cash alternatives What you should know before you buy Wells Fargo Advisors wants to help you invest in cash alternative products that are suitable for you based on your investment
More informationdirect, smart, comprehensive a guide to your Monthly statement
direct, smart, comprehensive a guide to your Monthly statement Your monthly statement from LPL Financial is designed to provide a clear, comprehensive view of your investments. A summary of key information
More informationUnderstanding Your Brokerage Account Statements
Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements North American Securities Administrators Association, Inc.? What can my statement tell me? INTRODUCTION How
More informationTax rules for bond investors
Tax rules for bond investors Understand the treatment of different bonds Paying taxes is an inevitable part of investing for most bondholders, and understanding the tax rules, and procedures can be difficult
More informationFRS Investment Plan Self-Directed Brokerage Account
FRS Investment Plan Self-Directed Brokerage Account Access Guide For Your Self-Directed Brokerage Account Accessing Your Account Online Access: MyFRS.com With your FRS Investment Plan Self-Directed Brokerage
More informationHow To Read Your Brokerage Account Statement
Understanding Your Brokerage Account Statements Understanding Your Brokerage Account Statements INTRODUCTION How am I doing financially? The best way to track your brokerage account activity and performance
More information1099 Information Guide
Your Consolidated Form 1099 is the authoritative document for tax reporting purposes. Due to Internal Revenue Service (IRS) regulatory changes that have been phased in since 2011, TD Ameritrade is now
More informationA User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services
A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services Table of Contents Introduction Managing Your Self-directed Brokerage Account (SDA) Funding Your SDA pg. 3 Transferring
More informationFederated Municipal Obligations Fund
Summary Prospectus June 2, 2015 Share Class Cash Series Ticker MFSXX Federated Municipal Obligations Fund A Portfolio of Money Market Obligations Trust Before you invest, you may want to review the Fund
More informationMerrill Edge & You. Mutual Fund Disclosure Pamphlet Available
M208431613 Merrill Edge & You July 2013 Mutual Fund Disclosure Pamphlet Available Mutual Fund Investing at Merrill Lynch provides information about the fees and expenses related to mutual funds available
More informationBBIF Government Securities Fund BBIF Tax-Exempt Fund. Shareholders should retain this Supplement for future reference.
BBIF Government Securities Fund BBIF Tax-Exempt Fund Supplement dated April 22, 2016 to the Prospectus, Summary Prospectuses and Statement of Additional Information of the Funds, dated January 4, 2016
More informationA guide to margin borrowing
A guide to margin borrowing Before you borrow on margin, it is important to review your financial situation, investment objectives, risk tolerance, time horizon, diversification needs, and liquidity objectives
More informationRBC Money Market Funds Prospectus
RBC Money Market Funds Prospectus November 25, 2015 Prime Money Market Fund RBC Institutional Class 1: RBC Institutional Class 2: RBC Select Class: RBC Reserve Class: RBC Investor Class: TPNXX TKIXX TKSXX
More informationHow to use your 2014 Form 1099-B from Vanguard. Tax-preparation assistance for our mutual fund and brokerage investors
ow to use your 2014 Form 1099-B from Vanguard Tax-preparation assistance for our mutual fund and brokerage investors Each year that you have investment capital gains or losses in your nonretirement accounts,
More informationGet the most from your Merrill Lynch tax reporting statement
Get the most from your Merrill Lynch tax reporting statement Life s better when we re connected Contents Here s an overview.... 3 What is the Merrill Lynch tax reporting statement?.... 3 Who gets a tax
More informationInvestment Companies
Mutual Funds Mutual Funds Investment companies Financial intermediaries that collect funds form individual investors and invest those funds in a potentially wide rande of securities or other asstes Polling
More informationImportant information regarding changes to the Merrill Lynch Bank Deposit Programs
M614471056 Important information regarding changes to the Merrill Lynch Bank Deposit Programs We are writing to let you know about some pending changes to the Merrill Lynch Bank Deposit Programs and to
More informationYOUR FINANCIAL FUTURE
YOUR FINANCIAL FUTURE December 2014 In This Issue A Net Worth Statement Helps Keep Retirees on Track Your net worth is more than just your income. A net worth statement presents a composite picture "in
More informationA guide to investing in unit investment trusts
A guide to investing in unit investment trusts What you should know before you buy Wells Fargo Advisors wants to ensure that you are investing in the products that best suit your financial situation, investment
More informationSAMPLE CLIENT QUARTERLY REPORT 6789 MAIN STREET SUITE 100 CHICAGO, IL 54321
SAMPLE CLIENT QUARTERLY REPORT 6789 MAIN STREET SUITE 100 CHICAGO, IL 54321 Notice to Investors Regarding Custodian Account Statements: You are encouraged to read the statements you receive from the custodian
More information2011 Tax Information Statement reference guide
2011 Tax Information Statement reference guide Table of contents What s new for 2011 1 General information about your Tax Information Statement 2 Form 1099 Consolidated overview 4 Form 1099-B: Proceeds
More informationEdward Jones Money Market Fund
Edward Jones Money Market Fund S U M M A R Y P R O S P E C T U S April 30, 2015 INVESTMENT SHARES (TICKER JNSXX) RETIREMENT SHARES (TICKER JRSXX) Before you invest, you may want to review the Fund s Prospectus,
More informationRedemption of Shares Class A Sales Charge Waivers beginning on page 37 of the Fund s Statement of Additional Information.
USA Mutuals Barrier Fund Trading Symbols: Institutional Class Shares VICVX Investor Class Shares VICEX Class A Shares VICAX Class C Shares VICCX Summary Prospectus July 29, 2015 Before you invest, you
More informationWe hope you find this Investor Handbook helpful, and look forward to serving your investment needs in the years to come.
Investor Handbook We hope you find this Investor Handbook helpful, and look forward to serving your investment needs in the years to come. C Not FDIC Insured May Lose Value No Bank Guarantee Investor Handbook
More informationInvestments 320 Dr. Ahmed Y. Dashti Chapter 3 Interactive Qustions
Investments 320 Dr. Ahmed Y. Dashti Chapter 3 Interactive Qustions 3-1. A primary asset is an initial offering sold by a business, or government, to raise funds. A) True B) False 3-2. Money market instruments
More informationBRANDES. Brandes Core Plus Fixed Income Fund Class A BCPAX Class E BCPEX Class I BCPIX. Brandes Credit Focus Yield Fund Class A BCFAX Class I BCFIX
BRANDES Brandes Core Plus Fixed Income Fund Class A BCPAX Class E BCPEX Class I BCPIX Brandes Credit Focus Yield Fund Class A BCFAX Class I BCFIX Prospectus January 30, 2015 The U.S. Securities and Exchange
More informationManaging Tax Accounting Requirements for Investments
Managing Tax Accounting Requirements for Investments ARF Program Track, Session #106 Speakers: Dave Knight, VP, Product Manager, State Street Global Exchange Drew Westall, Senior Manager, Johnson Lambert
More informationCost Basis Reporting: What You Need to Know for 2014 1
Cost Basis Reporting: What You Need to Know for 2014 Next Phase Covers Fixed Income and Options Executive Summary Starting in 2014, Phase III of the new cost basis reporting requirements will be implemented
More informationEvergreen INSTITUTIONAL MONEY MARKET FUNDS. Prospectus July 1, 2009
Evergreen INSTITUTIONAL MONEY MARKET FUNDS Prospectus July 1, 2009 Evergreen Institutional 100% Treasury Money Market Fund Evergreen Institutional Money Market Fund Evergreen Institutional Municipal Money
More informationA Guide to Understanding Your Brokerage Account Statement. Rated Excellent Five Years In A Row
A Guide to Understanding Your Brokerage Account Statement 2007 2011 Introduction Few documents allow you to monitor your financial activity as closely as your brokerage account statement. This report provides
More informationYear-end 2014 tax information
This booklet includes information about: forms you may receive... 2 state tax and foreign tax... 3 Roth IRA conversions and recharacterizations... 3 investing your tax refund...4-5 Information may be abridged
More informationYour Guide to E*TRADE s Platinum Independent Advisor Platform
1 Your Guide to E*TRADE s Platinum Independent Advisor Platform As an independent advisor, you can rely on E*TRADE s state-of-the-art, advisor-only system to help you better serve your clients, while making
More informationTAXES AND YOUR PORTFOLIO: It s not what you earn, it s what you keep
TAXES AND YOUR PORTFOLIO: It s not what you earn, it s what you keep YOUR HOST John Sweeney Executive Vice President, Retirement & Investing Strategies, Fidelity Investments 2 JOIN THE CONVERSATION: @SweeneyFidelity
More informationA GUIDE TO YOUR 2014 CONSOLIDATED TAX STATEMENT. Mailing Schedule // 2014 Form Changes // Filing Information
A GUIDE TO YOUR 2014 CONSOLIDATED TAX STATEMENT Mailing Schedule // 2014 Form Changes // Filing Information As part of our ongoing commitment to providing you with the best possible service and support,
More informationThe Merchant Securities FTSE 100. Hindsight II Note PRIVATE CLIENT ADVISORY
The Merchant Securities FTSE 100 Hindsight II Note Our first FTSE-100 Hindsight Note is now fully subscribed; however, as a result of exceptional investor demand we are launching the FTSE- 100 Hindsight
More informationUBS Financial Services Inc. Deposit Account Sweep Program Disclosure Statement
UBS Financial Services Inc. Deposit Account Sweep Program Disclosure Statement On or about October 28, 2011, the UBS Deposit Account Sweep Program minimum cap amounts will be increased to $250,000/$500,000
More information7yr S&P 500 Low Volatility High Dividend Index CD
Payment at Maturity North America Structured Investments 7yr S&P 500 Low Volatility High Dividend Index CD Overview The CDs are designed for investors who seek a return at maturity based on the performance
More informationHSBC Securities Commission and Fee Schedule
HSBC Securities and Fee Schedule Effective February 8, 2016 HSBC Securities (USA) Inc. Please take a moment to review our and Fee Schedule. This brochure outlines the commissions and fees for your HSBC
More informationManaged Account Series BlackRock U.S. Mortgage Portfolio (the Fund )
Minimum Initial Investment Minimum Additional Investment Managed Account Series BlackRock U.S. Mortgage Portfolio (the Fund ) Supplement dated August 28, 2015 to the Summary Prospectus of the Fund This
More informationNew Account Application Please do not use this application for IRA s
New Account Application Please do not use this application for IRA s In compliance with the USA PATRIOT Act, all financial institutions (including mutual funds) are required to obtain, verify and record
More informationGUARDIAN CANADIAN BOND FUND
GUARDIAN CANADIAN BOND FUND FINANCIAL STATEMENTS DECEMBER 31, 2010 March 11, 2011 PricewaterhouseCoopers LLP Chartered Accountants PO Box 82 Royal Trust Tower, Suite 3000 Toronto-Dominion Centre Toronto,
More informationUnit Investment Trusts
a guide to Unit Investment Trusts A unit investment trust (UIT) is a registered investment company that buys and holds a generally fixed portfolio of stocks, bonds, or other securities. Table of Contents
More informationPersonal Schedule of Fees
Personal Schedule of Fees Effective May 6, 2016 bankofamerica.com Applies in all states. Bank of America, N.A. Member FDIC. 2016 Bank of America Corporation. 91-11-3000B 00-14-9299 29898 Table of Contents
More informationBusiness Investor Account (BIA) and Working Capital Management Account (WCMA ) Agreement and Program Description Booklet
Business Investor Account (BIA) and Working Capital Management Account (WCMA ) Agreement and Program Description Booklet Table of Contents Page Agreement and Program Description 1 1. Introduction 1 2.
More informationto Wealth Management resources of one of the world s largest financial services firms. The Caribbean Group
A Defined Approach to Wealth Management Giving UWI access to the combined resources of one of the world s largest financial services firms. The Caribbean Group The information in this presentation is intended
More informationFIXED INCOME. Consistent Revenue A WIDER VIEW TM
FIXED INCOME Consistent Revenue A WIDER VIEW TM It s time for A WIDER VIEW. TM It s the view that says stocks, bonds, mutual funds, annuities, life insurance, every type of investment has to make a contribution
More informationGeneral Money Market Funds
D.A. Davidson & Co. member SIPC General Money Market Funds Class B Shares General Money Market Fund, Inc. (GMBXX) General Government Securities Money Market Fund (GSBXX) General Treasury Prime Money Market
More informationMerrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch. A Client Disclosure Pamphlet May 2016
Merrill Lynch Personal Advisor Progra Client Agreement Mutual Fund Investing at Merrill Lynch A Client Disclosure Pamphlet May 2016 Merrill Lynch, Pierce, Fenner & Smith Incorporated One Bryant Park New
More informationDFA INVESTMENT DIMENSIONS GROUP INC.
PROSPECTUS February 28, 2015 Please carefully read the important information it contains before investing. DFA INVESTMENT DIMENSIONS GROUP INC. DFA ONE-YEAR FIXED INCOME PORTFOLIO Ticker: DFIHX DFA TWO-YEAR
More informationA Guide to Understanding Your Brokerage Account Statement
A Guide to Understanding Your Brokerage Account Statement Introduction Few documents allow you to monitor your financial activity as closely as your brokerage account statement. This report provides you
More informationBRANDES INTERNATIONAL EQUITY FUND. Summary Prospectus
BRANDES INTERNATIONAL EQUITY FUND Summary Prospectus Class I Ticker Symbol: BIIEX Class E Ticker Symbol: BIEEX Class A Ticker Symbol: BIEAX Class C Ticker Symbol: BIECX Class R6 Ticker Symbol: BIERX February
More informationCost Basis Reporting for Fixed Income
Cost Basis Reporting for Fixed Income On April 17, 2013, the IRS released final regulations on cost basis reporting for fixed income and options securities as part of Phase III of cost basis legislation.
More information2014 tax information guide
2014 tax information guide Please retain this booklet with your 2014 tax records. If you use the services of a tax advisor, please furnish this booklet to him or her. This Tax Information Guide is provided
More informationGeneral Money Market Funds
General Money Market Funds Prospectus April 1, 2014 Class A General Money Market Fund, Inc. (GMMXX) General Government Securities Money Market Fund (GGSXX) General Treasury Prime Money Market Fund (GTAXX)
More informationCHAPTER 2. Asset Classes. the Money Market. Money market instruments. Capital market instruments. Asset Classes and Financial Instruments
2-2 Asset Classes Money market instruments CHAPTER 2 Capital market instruments Asset Classes and Financial Instruments Bonds Equity Securities Derivative Securities The Money Market 2-3 Table 2.1 Major
More informationInstitutional Money Market Funds
Prospectus June 1, 2016 Institutional Money Market Funds Wells Fargo Fund Wells Fargo Cash Investment Money Market Fund Wells Fargo Heritage Money Market Fund Wells Fargo Municipal Cash Management Money
More informationMutual Funds Made Simple. Brighten your future with investments
Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.
More informationUBS RMA Money Market Portfolio U.S. Government Portfolio Tax-Free Fund California Municipal Money Fund New York Municipal Money Fund
Money Market Funds Prospectus UBS RMA Money Market Portfolio U.S. Government Portfolio Tax-Free Fund California Municipal Money Fund New York Municipal Money Fund Prospectus August 28, 2015 Ticker symbols:
More informationIndividual Retirement Account (IRA) New Account Application
Individual Retirement Account (IRA) New Account Application ederated The USA PATRIOT Act requires the Funds to obtain, verify, and record information that identifies each person who opens an account. Failure
More informationTREATMENT OF PREPAID DERIVATIVE CONTRACTS. Background
Traditional forward contracts TREATMENT OF PREPAID DERIVATIVE CONTRACTS Background A forward contract is an agreement to deliver a specified quantity of a defined item or class of property, such as corn,
More informationINTERIM FINANCIAL STATEMENT AS PER 30 SEPTEMBER 2015
INTERIM FINANCIAL STATEMENT AS PER 30 SEPTEMBER 2015 15 3 Consolidated balance sheet 5 Consolidated income statement 6 Statement of changes in equity 7 Condensed notes INTERIM FINANCIAL STATEMENT AS PER
More informationInvesco Closed-End Funds 2014 Tax Guide
Invesco Closed-End Funds 2014 Tax Guide What s Inside: Page 1 Year-End Tax Information Tax Forms Distribution Information Page 2 3 Income Breakdown Federal Alternative Minimum Tax (AMT) Information Income
More information2014 Tax Information Guide
2014 Tax Information Guide To Our Clients: Please retain this booklet with your 2014 tax records. If you use the services of a tax advisor, please furnish this booklet to him or her. This Tax Information
More informationBrokered certificates of deposits
Brokered certificates of deposits A guide to what you should know before you buy Are brokered CDs right for you? Brokered CDs are designed for investors who: Want access to a wide selection of issuers
More informationVanguard Brokerage Services commission and fee schedules
Vanguard Brokerage Services commission and fee schedules Effective January 2015 Stock and exchange-traded fund (ETF) commissions Assets invested in Vanguard funds and Vanguard ETFs Vanguard ETFs 1 Stocks
More informationUBS RMA Money Market Portfolio U.S. Government Portfolio Tax-Free Fund California Municipal Money Fund New York Municipal Money Fund
Money Market Funds Prospectus and SAI Supplement UBS RMA Money Market Portfolio U.S. Government Portfolio Tax-Free Fund California Municipal Money Fund New York Municipal Money Fund Supplement to the Prospectus
More information2 Provide account holder information (Please attach necessary documents.)
Brokerage Account 1 Specify type of account ownership (Please attach necessary documents.) ( Minimum opening balance of $1,000 in cash and/or securities is required.) Select the type of account ownership:
More informationOrganizing your financial life
Organizing your financial life Critical information at your fingertips Date Your Name Financial Advisor / Team Name Financial Advisor / Team Phone Number Financial Advisor / Team Email Financial Advisor
More informationBrown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale)
Summary Prospectus October 30, 2015 Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale) Before you invest, you may want to review the Fund s Prospectus, which
More informationUNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K
KR 11-K 12/31/2015 Section 1: 11-K (11-K) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K o ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
More informationTIAA-CREF Brokerage Services. Invest with TIAA-CREF Brokerage Services. Simplicity, Flexibility and Choice
TIAA-CREF Brokerage Services Invest with TIAA-CREF Brokerage Services Simplicity, Flexibility and Choice TIAA-CREF: Dedicated to the long-term financial well-being of the people we serve TIAA-CREF is dedicated
More informationInternational Bond Fund I Class
PROSPECTUS RPISX May 1, 2016 T. Rowe Price International Bond Fund I Class A fund seeking high income and capital appreciation through investments primarily in high-quality foreign bonds. This class is
More informationBusiness Investor Account (BIA) Financial Service and Working Capital Management Account (WCMA ) Financial Service
Business Investor Account (BIA) Financial Service and Working Capital Management Account (WCMA ) Financial Service ACCOUNT AGREEMENT AND PROGRAM DESCRIPTION BOOKLET Contents Page Agreement and Program
More informationJ.P. MORGAN SPECIALTY FUNDS. JPMorgan U.S. Real Estate Fund (All Share Classes) (a series of JPMorgan Trust II)
J.P. MORGAN SPECIALTY FUNDS JPMorgan U.S. Real Estate Fund (All Share Classes) (a series of JPMorgan Trust II) Supplement dated November 12, 2013 to the Prospectus and Summary Prospectus dated May 1, 2013,
More informationMaximize the. Efficiency of. Your Assets
Stifel Prestige Accounts Maximize the Efficiency of Your Assets The Stifel Prestige Accounts To meet the special needs of our clients, Stifel Nicolaus has created the Stifel Prestige Accounts. These accounts
More informationFederated High Income Bond Fund II
Summary Prospectus April 30, 2016 Share Class Primary Federated High Income Bond Fund II A Portfolio of Federated Insurance Series Before you invest, you may want to review the Fund s Prospectus, which
More informationCommission* Up to $2,400.99
Commissions and Fees unique to Advisor Directed Accounts: Equities* (includes Exchange Traded Funds) Principal Amount Commission* Up to $2,400.99 $50.00 $2,401.00 to $10,000.99 $38.00 0.85% of Principal
More informationHewitt Financial Services Self-Directed Brokerage Account (SDBA)
invest in you Enrollment Guide Brokerage Account (SDBA) Savings Plus offers a self-directed brokerage account option for investors who may want to direct investments to a wider variety of options other
More informationDaily Income Fund Retail Class Shares ( Retail Shares )
Daily Income Fund Retail Class Shares ( Retail Shares ) Money Market Portfolio Ticker Symbol: DRTXX U.S. Treasury Portfolio No Ticker Symbol U.S. Government Portfolio Ticker Symbol: DREXX Municipal Portfolio
More informationLeader Short-Term Bond Fund. Leader Total Return Fund
Leader Short-Term Bond Fund Institutional Shares: Investor Shares: Class A Shares: Class C Shares: LCCIX LCCMX LCAMX LCMCX Leader Total Return Fund Institutional Shares: Investor Shares: Class A Shares:
More informationMary Fischer Financial Advisor Raymond James Financial Services Inc. Member FINRA/SIPC 27 East Main Streeet Mendham, NJ 07945. Phone: 973-543-6676
I believe the enclosed information might be of interest to you in making your investment decisions. Please contact me to discuss how these securities may enhance your portfolio and to assure that they
More informationUBS Deposit Account Sweep Program Disclosure Statement
UBS Deposit Account Sweep Program Disclosure Statement Contents Summary 3 How the Program Works 4 Eligibility 4 Deposit Procedures 4 Withdrawal Procedures 4 Sweep Limit or Cap Election 4 Interest Rates
More informationImportant Information about Closed-End Funds and Unit Investment Trusts
Robert W. Baird & Co. Incorporated Important Information about Closed-End Funds and Unit Investment Trusts Baird has prepared this document to help you understand the characteristics and risks associated
More information