Subject: File No. Disclosure Effectiveness
From: gary l woodworth, mr
Affiliation: owner Woodworth Vineyards

November 10, 2014

I get a monthly report from Merrill Lynch regarding my IRA account. I have looked over the report to see how much fees I am paying to have them manage my account. If the fees are included in the 70-90 pages I get each month, it is not apparent. I have looked on every page and not been able to find a line that says "fees charged". They have told me they are on the quarterly report, but I have checked them and again couldn't find them. I would think there must be rules that have them show the fees, but if they are there they must be hidden. Please let me know if there are rules and how they show them to their customers.