Merrill Guided Investing may be right for you if: You're looking for an investment advisory program with a low fee and a low minimum investment for your goal online through a professionally-managed portfolio vs. doing it yourself. You want an investment strategy built and managed by investment professionals in portfolio construction and investment selection by the Chief Investment Office ('CIO'). * *The Chief Investment Office (CIO) develops the investment strategies for Merrill Guided Investing, including providing its recommendations of ETFs, mutual funds, and related asset allocations. Managed Account Advisors LLC (MAA), Merrill's affiliate, is the overlay portfolio manager responsible for implementing the Merrill Guided Investing strategies for client accounts, including facilitating the purchase & sale of ETFs and mutual funds in client accounts and updating account asset allocations when the CIO's recommendations change while also implementing any applicable individual client or firm restriction(s).