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We're sorry to hear that you're experiencing difficulties accessing your account. For security reasons, we can't directly assist with password issues. However, on the login page, you'll see an option labeled "Forgot Password." Please click on this and follow the subsequent steps. You may be required to verify your identity by answering some security questions. After successfully completing the verification process, you will be able to reset your password and regain access to your account. If you still encounter difficulty, you might need to speak directly with a representative from Merrill Lynch, info can be found on this page.

This could be due to IRS regulations concerning specific contributions in your Roth 401K. If you made both after-tax and pre-tax contributions through your employer, these need to be separated when you leave. The pre-tax contributions and its earned interest would form a traditional 401K, while the after-tax contributions and its accruals would remain in a Roth 401K. This separation is necessary to maintain the tax treatment of the different types of contributions. When the time comes to withdraw these funds, those from traditional 401K will be taxable and those from Roth 401K will typically be tax-free. Always remember to consult a tax professional to understand how these rules apply to your situation.

We apologize for the inconvenience. Sometimes the email could be filtered to your spam or junk folder, so please check there if you haven't already. If you're still not receiving a recovery email, it may be due to technical issues or incorrect email being linked to your account. For security reasons, Merrill Lynch requires you to contact them directly to resolve such issues. A representative can verify your identity and assist you with resetting your login ID. Please note that we do not recommend attempting repeated recovery requests in a short time frame, as this may lock your account.