Incompetent, arrogant and no one takes responsibility for anything. Merrill Edge sold my 83 y/o father an annuity for $84,000. He has had it now for 12 years in the greatest gains in the stock market and with frees and a yearly pay out of $5,000 they have reduced the amount to $78,000. Everyone says that it doesn't look right, but all investment come with rusk and my father should have been aware of the risk and that he should have read the documents for the fund, 160 pages of legal gibberish to mask the facts. Multiple excuse, phone calls not answered, not returned, not familiar with the issues. This assumes you can get past the robot call system. Very unprofessional in the trading world and are a scam, They also stopped responding to my mails and calls. I had to reach out to Financial expert SEEKRAIL.COM to help me recoup my money back from them and I am glad it was successful. I have all my money now. Get your money out of Merrill Edge before it is gone.