I and my wife have had our IRAs for well over 30 years and now that we both are retired wanted to take our fixed monthly withdraws and some be invested in a safe CD format to gain some money, the associate that we worked with, she totally screwed it up as after one year she had it all in a long term CD and we could not withdraw any unless we paid the penalty, in fact she wanted us to transfer my 401K to ML as well, Thank God my wife stopped me from doing this otherwise they would screw that one up too, recently I called to get help and ensure money is flowing every month, they kept transferring me to different person as no one wanted to help for a simple inquiry , who is a head and leader of Merrill Lynch that does not see how bad his team operates, DO THEY CARE or only want bottom line and unethically get people's money there, very very disappointed retiree, i have discouraged many of my family members to do business and be aware of ML.
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