At Merrill Lynch, we have an IRA account that is a sweep vehicle and by that they take your idle cash that might come about from interest or dividend payment or deposits and sweep them in the money market account. The typical cash management account is referred to where there is some kind of sweep vehicle or some kind of process of which idle funds would earn interest rather than just sitting in "a non-interest bearing account." What we would really encourage to do is not just look at retirement cash management account, but again an investment plan and investment process of how do all the dollars work and how do all the investment coordinate with each other to deliver the needs and the goals of the individual.
