You can avoid the inevitable mismanagement of your money in one simple step: establish anaccount with the advisor of your choice well before the day of doom comes and make sure your spouse is involved in the process.
It can supplement a low income to make ends meet, makean expensive hobby affordable, give your online savings account a big boost, and give you the added security of diversifying your income.
Their product consists ofan online broking account through which customers can, among other things, trade domestic and international shares, make use of online banking facilities and read Merrill Lynch's global investment research.