Merrill Lynch - Total Merrill - Solutions For Business

Actively Managing Your Cash Is Crucial to Your Bottom Line

At Merrill Lynch, we integrate cash management, investing and financing through one account so your money is always working for you.

Now you can spend more time running your business and less time managing your cash. Our integrated cash management solutions combine the benefits of the Merrill Lynch Working Capital Management Account (WCMA account), online business banking and the control and management of business expenses through our Merrill Lynch WCMA Business Access Visa Card service.

One of our business clients, Products Services Group, Inc. is using the Merrill Lynch Remote Check Deposit Service to improve their cash flow and check handling process.

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When the Lifelong Dream Is Starting Your Own Business

Thousands of Americans each year put their careers behind them to start businesses based on cherished dreams. These dreams are as varied as the people who have them. However, what most entrepreneurs do have in common is the vision, confidence and drive to forgo the secure path and chart a new course. They also need resources — such as their passion and knowledge, and the support of friends and family. As one entrepreneur discovered, another irreplaceable resource is a trusted Merrill Lynch Financial Advisor who not only understands and supports the vision but also offers practical steps to help make it a success.

For successful Houston lawyer Patti Nowak Turner, living her dream involved exchanging one business for a totally different one.

 

Understanding Your Plan Sponsor Responsibilities

You've taken the time to establish a retirement plan for your business. That puts you ahead of the majority of small-business owners. Now you need to know your responsibilities as a plan sponsor.

The Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code (IRC) each set forth specific requirements for employers to follow when administering and maintaining their employer-sponsored retirement plans. Current increased scrutiny of corporate practices means that employers should be diligent in meeting their legal responsibilities as plan sponsor. Failure to do so could result in hefty penalties.

One effective way to ensure you comply with ERISA and IRC requirements is to review your plan annually with a "compliance checklist.

 

Understanding Your Plan Sponsor Responsibilities

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Disclosure

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker/dealer, not a bank, and the WCMA account is not a bank account. Banking services provided by licensed banks or third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured , not guaranteed by any bank and may lose value.