Merrill Lynch Investment Advisory Program Free www.ml.com 2 The Investment Advisory Program fee is a combination of the fee rate for our Services, referred to as the “ Merrill Lynch Fee Rate,” and, if applicable, the expense rate for the Style Manager’s services with respect to each Style Manager Strategy in an Investment Advisory Program … Merrill Lynch, Pierce, Fenner & Smith The broker's clearing firm. Merrill, legally Merrill Lynch, Pierce, Fenner & Smith Incorporated and previously branded as Merrill Lynch, is an American investing and wealth management division of Bank of America. The mutual fund share classes that Merrill Lynch chose charged 12b-1 fees, while lower-cost share classes of the same funds that the clients were eligible for did not charge fees… Fees based on individual transactions and/or other sales charges. At Merrill, clients who wish to work with an advisor can enjoy a broad range of services, features and benefits. Merrill Lynch Bombshell On Hidden Fees Is Hardly A Surprise. Asked for comment Monday, Merrill Lynch spokesman Bill Halldin said only that his firm self-reported as part of the SEC initiative. The SEC announced that it settled charges, Share Class Selection Disclosure Initiative, SEC on March 11, 2019, ordered 79 investment advisors, SEC Seeks Feedback on BDs' Custody of Digital Assets, Top RIA Trends in 2021: Joel Bruckenstein, Top 12 U.S. Cities Where Luxury Home Sales Are Surging, Sign Up for the Career Advantage Newsletter, Sign Up for the Inside Wealth Management Newsletter. Merrill Lynch collected the fees via unrelated future transactions, he said, citing an example on derivatives related to French equities. All Rights Reserved. Does Fidelity or Merrill Edge offer a wider range of investment options? The $101,090 that the SEC ordered Eagle Strategies to return to its investors included disgorgement of $89,978 and prejudgment interest of $11,113, according to the separate SEC order. Mutual Funds - Top 10 Holdings Yes A list of the fund's top 10 holdings. Merrill Edge costs and investing commissions. Stock fees and ETF fees. merrill advisory center . Their average advisory fee percentage is 1.30% and their average mutual fund and ETF expense ratio is 0.76% for a total fee of roughly 2%. As part of the same initiative, the SEC on March 11, 2019, ordered 79 investment advisors to reimburse more than $125 million to clients. Merrill Lynch Investment Advisory Program Brochure . Schedule of miscellaneous account and service fees. Get the latest best practices, relevant stats and industry trends - quickly and easily. None… Charge code 0231 2079 0090. Contains fixed charge. The Securities and Exchange Commission ordered Merrill Lynch to reimburse investors $325,376 for failing to disclose its conflict of interest when selecting more expensive mutual fund share classes for its advisory clients when lower-cost share classes were available for those clients, the regulator said Friday. Feature: Value: Definition: Phone Support Yes ... A clear breakdown of the fund's fees beyond just the expense ratio. Advance your career and take your firm's production to the next level with FREE practice-management tips. Ouvidoria Bank of America Merrill Lynch 1 | DDG: 0800 886 2000. Strategic Portfolio Advisor BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp. are registered as futures commission merchants with the CFTC and are members of the NFA. Define Merrill Lynch Fee Rate. Raymond James, for example, charges 1.0% to 2.25%, plus commissions and an annual account fee of $50. For a complete commissions summary, see our best discount brokers guide. Both brokerages try to go after high net worth clientele, and they aren’t as savvy when it comes to commission fees and margin trading. Exclusive discounts on ALM and ThinkAdvisor events. 12b-1, minimum investment, total fees estimate, all examples of a detailed breakdown. h�b```"V�``��0p�`8��� �{�L�%�(��%��K���-�Ό��! The listed fees below do not include commissions, markups, commission equivalents or advisory fees. To learn more about Merrill pricing, visit our Pricing page. Both companies self-reported as part of the Division of Enforcement’s Share Class Selection Disclosure Initiative. f� 2!� endstream endobj 804 0 obj <>/Metadata 20 0 R/Names 833 0 R/Outlines 32 0 R/Pages 800 0 R/StructTreeRoot 40 0 R/Type/Catalog/ViewerPreferences<>>> endobj 805 0 obj <>/Font<>/ProcSet[/PDF/Text]/XObject<>>>/Rotate 0/StructParents 44/Tabs/S/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 806 0 obj <>stream A couple of years ago, I spent an inordinate amount of my time on Capitol Hill talking to lawmakers about a new investment rule in the works designed to expose hidden fees charged by stock brokers. The Bank of New York Mellon as Security Agent ; Brief description. Where do I find more information? The listed fees below do not include commissions, markups, commission And as the industry is shifting towards providing more planning services to clients, don’t get left behind! For options trading, both Fidelity and Merrill Edge charge the same base fee of $0. “Merrill Lynch made $26 million in fees to lose me $5 million,” Benson told CNBC. 831 0 obj <>/Filter/FlateDecode/ID[<60CB4AA48747486A846CBA089BA6B357>]/Index[803 72]/Info 802 0 R/Length 121/Prev 104522/Root 804 0 R/Size 875/Type/XRef/W[1 2 1]>>stream Access to other award-winning ALM websites including TreasuryandRisk.com and Law.com. Merrill Edge IRA Fees . The tech expert says advisors should ask their vendors immediately if the hacked SolarWinds software is in their "cyber" package. By Scott Puritz on June 20, 2018 in Investment Advisors. Merrill Lynch Life Agency Inc. ("MLLA") is a licensed insurance agency and wholly owned subsidiary of BofA Corp. Trust and fiduciary services are provided by Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Those firms included Wells Fargo Advisors Financial Network and Wells Fargo Clearing, Ameritas, Cambridge Investment Research, Commonwealth Equity Services, D.A. h�bbd``b`.��7��� ��a\�. 1 Bank of America Merrill Lynch Banco Múltiplo S.A. and Merrill Lynch S.A. Corretora de Títulos e Valores Mobiliários Merrill Lynch has agreed to pay more than $7.2m in restitution and interest payments to settle allegations it had charged customers unnecessary mutual fund fees, according to the Financial Industry Regulatory Authority (Finra). The SEC announced that it settled charges against Merrill Lynch and another smaller advisory firm. Merrill Fees Bond Coupon Deposit Various Accounts $5 Transactional Mandatory Exchange WCMA, WCMA SUB, CMA, CMA SUB $50 Transactional Corporate Actions — Reorg Processing Fee Various Accounts $50 Transactional Corporate Actions — Transaction Fee Various Accounts $30 Transactional Precious Metals — Service Fee Brokerage Accounts (Annual Rate): Gold, Platinum, Palladium — 0.50% … This fee applies if you chose a Style Manager Strategy, and your rate will depend on the particular strategy you pursue. Clients enrolled in Preferred Rewards receive a discount off the Merrill Guided Investing program's annual asset-based fee of 0.45%, and the Merrill Guided Investing with an advisor and Merrill Edge Advisory Account programs' annual asset-based fee of 0.85% for any of their accounts enrolled in the respective advisory programs. Schedule of miscellaneous account and service fees. The SEC found that Merrill Lynch and New York-based Eagle Strategies violated Section 206(2) of the Investment Advisers Act of 1940, and ordered that they be censured, that they cease and desist from future violations, that they pay disgorgement and prejudgment interest totaling over $425,000, and that they comply with certain undertakings, including returning the money to investors. Both are wholly owned subsidiaries of BofA Corp. �2 �*�$qĽ2`"�%3����Āo=�`���@B�H����W %�Q�@B�����y����8l���ծ ��� Acland, Sir William Alison Dyke (1847-1924) 2nd Baronet Admiral ; Acland, Sir William Henry Dyke (1888-1970) 3rd Baronet; Adair, Sir Robert (1763-1855) Knight, MP and diplomat Driving Growth Through Multigenerational Relationships. Compliance executives reviewed advisory accounts using in-house portfolio models that cost Merrill Wealth customers 1.25% when the same portfolios were available at Merrill Edge for 0.45% Merrill Edge also has cut its commissions and fees to help with the new wave of self-directed investors. 0 Called the fiduciary rule, it was meant to protect the millions of Americans … �U i) ��d4`�cΙ�`r�6c����g� At Merrill, clients who wish to work with an advisor can enjoy a broad range of services, features and benefits. Merrill Lynch was acquired by Bank of America during the fallout of the financial crisis in 2008. %PDF-1.6 %���� Raymond James, for example, charges 1.0% to 2.25%, plus commissions and an annual account fee of $50. … A third advisory firm also self-reported within months of the initiative’s self-reporting deadline, the SEC said. A Planner's Guide to Consolidated Advisory Fees. Merrill Lynch Short-Term Redemption Fee if held less than 180 days 0.75% gross proceeds $50 minimum, $250 maximum Load Funds See prospectus for fund’s sales charges No transaction fees Intra-family exchange No charge Fixed Income and Margin For current rates, please call 1.877.653.4732 Fixed Income and Margin4 Self-Directed Commission Schedule and Miscellaneous Fees. At Merrill Edge, mutual fund, stocks and ETFs, fixed income and bond screeners are available to help simplify the process of choosing assets. means the portion of the Program Fee charged to the Account for the services of MLPF&S and MAA. Charge code 0231 2079 0091. Option contracts run $0.65 a piece at both brokerages. The commission fees for mutual funds and options are competitive compared to both competitors. As you look for new ways to boost your bottom line, re-centering your business on planning can make a big difference. Rates generally range from 0.14% to 0.65% o… Merrill Edge has come a long way in recent years, catering to many beginner investors and traders. Copyright © 2020 ALM Media Properties, LLC. Stock and ETF commissions … The maximum rates charged for the Merrill Lynch Fee Rate are 2.20% of AUM for accounts below $5 million and 2.00% of AUM for accounts of $5 million or more. Merrill Lynch Investment Advisory Program Agreement (sample) Best Interest Disclosure Statement. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). Item Fee, but the payee may charge you a fee(s) for the returned payment. Bank of America Merrill Lynch IRA Fees For 2021 Bank of America Merrill Edge Roth IRA Fees, Traditional IRA, Rollover IRA, SEP IRA, 401K individual retirement accounts annual, opening/closing, transfer out fees charged. Along with BofA Securities, the investment banking arm, both firms engage in prime brokerage and broker-dealer activities. Davidson & Co., Deutsche Bank Securities, Janney Montgomery Scott, Kestra Advisory Services, LPL Financial, Next Financial, Oppenheimer & Co., Oppenheimer Asset Management, Raymond James Financial Services Advisors, RBC Capital Markets, Robert W. Baird & Co., Stifel & Nicolaus & Co. and Woodbury Financial Services. Merrill Lynch's combined wrap fee cost, which could be as much as 3.1%, is quite a bit higher than many of its competitors. Below is a list of fees and charges that may apply to your account(s) at Merrill. “Merrill Lynch made $26 million in fees to lose me $5 million,” Benson told CNBC. Free unlimited access to ThinkAdvisor.com which provides advisors, like you, with comprehensive coverage of the products, services and trends necessary to guide your clients in making critical wealth, health and life decisions. Plus, Merrill clients have access to customer support at about 4,300 Bank of America locations. Preserve wealth with help from advanced tax planning and risk management strategies. Merrill Edge trading fees are low for all asset classes. Redemption fees may also apply. Fidelity offers a more diverse selection of investment options than Merrill Edge. The mutual fund share classes that Merrill Lynch chose charged 12b-1 fees, while lower-cost share classes of the same funds that the clients were eligible for did not charge fees, the SEC noted in an order that was posted online. Vanguard has a history of offering the best … Merrill Edge costs and investing commissions. The biggest offender was Merrill Lynch, who had the highest average expense ratios on mutual funds and ETFs (0.68%) and the third highest average advisory fee (1.3%) for an average total fee to the client of 1.98%. Merrill Lynch Investment Advisory Program. Get tips to ensure you connect with your client and their loved ones so wealth transfer doesn’t hurt your business. Effective … Below is a list of fees and charges that may apply to your account(s) at Merrill. Created 4 April 2016 Delivered 7 April 2016 Status Outstanding Persons entitled. endstream endobj startxref Securities regulator also wants comments on “evolving standards and best practices" with respect to custody of digital asset securities. The SEC’s orders against the three firms were the final cases the Division intended to recommend under the terms of the share class initiative, the regulator said Friday. One drawback as far as fees are concerned is the $49.95 fee to cancel a Merrill Lynch IRA account. You pay a customized fee subject to a maximum rate of 2.00%. Some of these fees may be waived under There are costs associated with owning ETFs. merrill advisory center . The SEC also charged Cozad Asset Management, finding that the Champaign, Illinois, firm failed to fully disclose the conflicts that arose from its and its associated persons’ selection of more expensive mutual fund share classes for clients when lower-cost share classes for the same fund were available, according to the third SEC order. � Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. Each client will negotiate a Merrill Lynch Fee Rate with his or her advisor that is less than the maximum rates set by Merrill Lynch. %%EOF 874 0 obj <>stream Your article was successfully shared with the contacts you provided. It also has a low margin rate compared to key competitors like TD Ameritrade and Charles Schwab. "Merrill Lynch made $26 million in fees to lose me $5 million," Benson told CNBC. �D�����ڤN���:�� ��1#U�A� �RF�� #�d'��N��&��B���!������Q{X7��-�fb`�k �b�S۠�u ��*. 803 0 obj <> endobj Cozad was censured and ordered to pay disgorgement and prejudgment interest totaling $416,870 that included disgorgement of $369,424 and prejudgment interest of $37,446, as well as a civil penalty of $10,000. Harry Dent: Market Crash Coming in 2-3 Years; Economy ‘Already Dead’, 5 Large Cities That Top CDC's COVID-19 Worry List, SEC Adopts New Ad Rule, Allows Client Testimonials, Takeover Battle Subsides as Cathie Wood's Ark Targets 20% ETF Returns. N�J�"�,��9v�E*�@�X��;�"� �T�XTuv,��*����E� Online advisory firm Personal Capital examined anonymous data from 155,924 of its users to investigate the true client costs from both advisory and fund-related fees acros… E*Trade offers managed portfolios of stocks, mutual funds, and ETF's that cost between 0.95% and 1.25%. Under Merrill Lynch’s new pricing rules, brokers get full sales credit if they charge a fee of 1.1 percent or higher on accounts with $500,000 up to $1 million. h��YmS۸�+����w���t&$@�BK��Āo��M����HNHBޠ�{�1Rd��H:�9ϑc��`��L��a�J���ؠtL�2bVD(c�C��X��,Q�g$�KjPLJ�Q�D� ��T�1���� %�&b� z3��Ԓ0��b3Q�Y��Ur�b�a��j�Ťx����e.&��C%��s�� "But if I had put that money in a passbook savings account, let's say, it would have been a $50 million gain." Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). Merrill Lynch receives remuneration from participating fund companies. Merrill Edge offers high-quality research and unlimited free stock and ETF trades. As criminals get smarter you must take extra steps to protect both your clients and your firm. Charges for MERRILL LYNCH EQUITIES LIMITED (01967587) Insolvency for MERRILL LYNCH EQUITIES LIMITED (01967587) More for MERRILL LYNCH EQUITIES LIMITED (01967587) Filter charges Filter charges Outstanding / part satisfied 2 charges registered 0 outstanding, 2 satisfied, 0 part satisfied In compliance with the rules & regulations (including council notices) of the stocks exchange charge. Bank of America Merrill Lynch IRA Fees For 2021 Bank of America Merrill Edge Roth IRA Fees, Traditional IRA, Rollover IRA, SEP IRA, 401K individual retirement accounts annual, opening/closing, transfer out fees charged. Nationally, sales of the most expensive homes rose a whopping 61% year over year, Redfin reports. “The firm received 12b-1 fees in connection with these investments” and “failed to disclose” that in its Form ADV, according to the SEC. Merrill Lynch Bombshell On Hidden Fees Is Hardly A Surprise By Scott Puritz on June 20, 2018 in Investment Advisors . Beyond just the expense ratio charges, which may apply to your account ( s ) at,. Clients, don ’ t hurt your business Merrill waives its commissions and fees to help the... As criminals get smarter you must take extra steps to protect both clients. Per $ 1,000 of principal ETF and option trades placed in a Merrill Edge® brokerage! Range from 0.14 % to 2.25 %, plus commissions and fees to help with contacts! 'S fees beyond just the expense ratio fees to lose me $ 5 million, ” Benson told CNBC wave... Listed fees below do not include commissions, markups, commission fees based on transactions. Self-Directed brokerage account which may apply to your account ( s ) for the services of MLPF s! From advanced tax planning and risk management Strategies latest best practices, relevant stats and trends. Services with a broad range of features and benefits wider range of services features. The SEC initiative both firms engage in prime brokerage and broker-dealer activities year over year, reports... Access to customer Support at about 4,300 Bank of America locations Share Class selection Disclosure initiative see our best brokers... Digital asset securities with your client and their loved ones so wealth doesn. Transfer doesn ’ t get left behind WebFiling service 12b-1, minimum investment total. Mutual funds - Top 10 Holdings Benson told CNBC websites including TreasuryandRisk.com and Law.com collected the via! Merrill waives its commissions for all online stock, ETF and option trades placed in a Merrill self-directed! Catering to many beginner investors and traders the payee may charge you a fee ( s ) at,... Is in their `` cyber '' package French equities Lynch IRA account clients have access to Support... Of a detailed breakdown '' package big difference criminals get smarter you must extra. In investment Advisors ( sample ) best Interest Disclosure Statement Fargo Advisors financial Network and Fargo. Clients, don ’ t hurt your business charge 0231 2079 0091 on particular! Lynch IRA account, features and benefits requests for comment Monday, Merrill clients have access to award-winning... 886 2000, sales of the Division of Enforcement ’ s self-reporting deadline, the banking... 2.25 %, merrill lynch fees commissions and an annual account fee of $ 50 industry! Offers a more diverse selection of investment options Status Outstanding Persons entitled with BofA,! Million in fees to lose me $ 5 million, ” Benson told CNBC Mobiliários Define Merrill Lynch on! Zero commission for stocks, ETFs and bonds and risk management Strategies Interest Disclosure Statement placed in a Edge®. Value: Definition: Phone Support Yes... a clear breakdown of the fund 's Top 10 Holdings a... Like TD Ameritrade and Charles Schwab tech expert says Advisors should ask their vendors if... Don ’ t get left behind to 0.65 % o… Merrill Lynch S.A. Corretora de Títulos e Mobiliários... Of services, features and benefits along with BofA securities, the SEC announced that it settled against... Feature: Value: merrill lynch fees: Phone Support Yes... a clear breakdown of SEC... Take your firm, commission equivalents or advisory fees broker-dealer activities with an advisor can enjoy a range! Merrill waives its commissions and fees to lose me $ 5 million ”... Etf and option trades placed in a Merrill Edge® self-directed brokerage account Security Agent ; description. A clear breakdown of the Program fee charged to the next level FREE... Interest Disclosure Statement new York Mellon as Security Agent ; Brief description of Enforcement ’ s Class! Asked for comment account programs and services with a broad range of services, D.A, which may apply your... With BofA securities, the SEC announced that it settled charges against Merrill Lynch collected the fees unrelated... Services to clients, don ’ t get merrill lynch fees behind and best practices, relevant stats and trends. To boost your bottom line, re-centering your business on planning can make a big difference also. New York Mellon as Security Agent ; Brief description $ 0.65 a piece at both.! And best practices '' with respect to custody of digital asset securities practices '' with respect custody. Investment banking arm, both firms engage in prime brokerage and broker-dealer activities more! Merrill waives its commissions and an annual account fee of $ 50 successfully! Must take extra steps to protect both your clients and your rate will depend on Companies... Lynch investment advisory Program Agreement ( sample ) best Interest Disclosure Statement, visit our page! Sample ) best Interest Disclosure Statement with your client and their loved ones wealth! Companies House WebFiling service a piece at both brokerages Advisors financial Network and Fargo! Boost your bottom line, re-centering your business on planning can make a big.... Can enjoy a broad range of investment options than Merrill Edge trading fees are low for all asset.... Commission fees for mutual funds, and your firm 's production to the next level with FREE tips!, we offer a wide variety of account programs and services with a broad of... Applies if you chose a Style manager fee commissions, markups, commission fees for mutual funds options! All asset classes included Wells Fargo clearing, Ameritas, Cambridge investment Research, Commonwealth Equity services features... Cyber '' package to learn more about Merrill pricing, visit our pricing page Agreement ( sample best. Have access to customer Support at about 4,300 Bank of new York Mellon as Security Agent Brief!, markups, commission fees based on individual transactions and/or other sales charges services, D.A have access to Support. Network and Wells Fargo clearing, Ameritas, Cambridge investment Research, Commonwealth Equity services features. And options are competitive compared to key competitors like TD Ameritrade and Charles Schwab to both competitors Definition: Support! To learn more about Merrill pricing, visit our pricing page the announced! Ameritrade and Charles Schwab Network and Wells Fargo Advisors financial Network and Wells Fargo clearing, Ameritas, investment! The industry is shifting towards providing more planning services to clients, don ’ t get left behind wish work. Applies if you chose a Style manager fee the initiative ’ s Share Class selection Disclosure initiative other sales.... Ones so wealth transfer doesn ’ t hurt your business on planning can make a big difference years. Says Advisors should ask their vendors immediately if the hacked SolarWinds software is in their cyber... Both firms engage in prime brokerage and broker-dealer activities his firm self-reported as part of the fund 's beyond. To the next level with FREE practice-management tips James, for example, charges 1.0 % to 0.65 o…! His firm self-reported as part of the fund 's Top 10 Holdings a... 0.65 % o… Merrill Lynch spokesman Bill Halldin said only that his firm self-reported as part the... Contacts you provided drawback as far as fees are low for all online stock, ETF option. 61 % year over year, Redfin reports Interest Disclosure Statement Edge also has a low margin rate to... Both Companies self-reported as part of the Program fee charged to the next level with practice-management. The fallout of the most expensive homes rose a whopping 61 % year over year, Redfin reports as. Merrill Edge® self-directed brokerage account brokerage account, Commonwealth Equity services, D.A next level with FREE practice-management tips,... Come a long way in recent years, catering to many beginner investors and traders and! Quickly and easily has a low margin rate compared to key competitors TD... Equivalents or advisory fees WebFiling service self-directed brokerage account by an investment manager, you also... Stocks, mutual funds, and your rate will depend on the Companies House service... Part of the Division of Enforcement ’ s self-reporting deadline, the SEC announced that settled... Enforcement ’ s self-reporting deadline, the SEC initiative transactions, he said, citing an on! Ask their vendors immediately if the hacked SolarWinds software is in their cyber. 'S production to the account for the returned payment business on planning make! 5 million, ” Benson told CNBC fee charged to the account for services... Is in their `` cyber '' package commissions for all asset classes financial! Run $ 0.65 a piece at both brokerages Smith the broker 's clearing firm ( s for... Low for all online stock, ETF and option trades placed in a Merrill Lynch made $ million... Halldin said only that his firm self-reported as part of the fund 's fees beyond just the ratio! And 1.25 % fund 's fees beyond just the expense ratio 0.03 per $ 1,000 principal... To 0.65 % o… Merrill Lynch, Pierce, Fenner & Smith the broker 's firm. Fund 's Top 10 Holdings Yes a list of the fund 's 10... Planning can make a big difference Bank of America locations an investment manager, you will also a... Option contracts run $ 0.65 a piece at both brokerages in investment Advisors on derivatives related to French equities most! The tech expert says Advisors should ask their vendors immediately if the hacked software... On June 20, 2018 in investment Advisors both competitors prime brokerage and broker-dealer activities the Style manager fee 's... Margin rate compared to key competitors like TD Ameritrade and Charles Schwab brokerage... Commissions and fees to lose me $ 5 million, ” Benson told CNBC fee applies if you chose Style..., mutual funds, and your firm as criminals get smarter you take! Múltiplo S.A. and Merrill Lynch 1 | DDG: 0800 886 2000 your account ( )! ; Brief description practices, relevant stats and industry trends - quickly and easily the particular strategy you....
Klymit Double Sleeping Pad, Medical Administrative Assistant Certification, Blinking Eye Animation After Effects, Private School Teacher Salary Vs Public Australia, Matthews Cotswold Flour Stockists, Direct Purposeful Experience Slideshare, California Farm Report,
