Merrill Lynch is an investment firm. Investing involves risks, and there is always the potential of losing money. It has a great reputaion for helping clients make money. Even though past performance is no guarantee of future results, it has been at the top of there game for over 50 years. It offers a broad range of investments, including financial planning. It has unparalleled resources, experts in investment strategies and state-of-the-art technology.