SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
        --------------------------------------------------------------

                                    FORM 8-K

                                 CURRENT REPORT

                     Pursuant to Section 13 or 15(d) of the
                         Securities Exchange Act of 1934


Date of Report (Date of earliest event reported):         April 15, 2002
- -----------------------------------------------------------------------------

                            Merrill Lynch & Co., Inc.
               ---------------------------------------------------
             (Exact Name of Registrant as Specified in its Charter)


            Delaware                1-7182                13-2740599
       -------------------    -------------------    --------------------
        (State or Other          (Commission           (I.R.S. Employer
        Jurisdiction of          File Number)         Identification No.)
         Incorporation)

4 World Financial Center, New York, New York                     10080
- ----------------------------------------------------      -------------------
(Address of Principal Executive Offices)                       (Zip Code)

Registrant's telephone number, including area code:          (212) 449-1000
- -----------------------------------------------------------------------------


- -----------------------------------------------------------------------------
         (Former Name or Former Address, if Changed Since Last Report)



Item 9.  Regulation FD Disclosure
- ---------------------------------

     James Gorman, president, U.S. Private Client Group, is scheduled to deliver
a  presentation  at the UBS Warburg  Global  Financial  Services  Conference  on
Monday,  April  22,  at 11 a.m.  (EDT).  Mr.  Gorman  will  address  trends  and
opportunities in U.S. Private Client.

     Mr. Gorman's presentation will be available via a live audio webcast at
Merrill Lynch's Investor Relations website, www.ir.ml.com. An on-demand webcast
replay of the presentation should be available at www.ir.ml.com on April 23.

     Merrill Lynch may make or publish forward-looking statements about
management expectations, strategic objectives, business prospects, anticipated
expense savings, financial results and other similar matters. A variety of
factors, many of which are beyond Merrill Lynch's control, could cause actual
results and experience to differ materially from the expectations expressed in
these statements. These factors include, but are not limited to, financial
market volatility, actions and initiatives by current and potential competitors,
the effect of current and future legislation or regulation, and additional
factors described in Merrill Lynch's Annual Report on Form 10-K and subsequent
reports on Form 8-K and Form 10-Q, which are available at the SEC's website,
www.sec.gov. Merrill Lynch undertakes no responsibility to update or revise any
forward-looking statements.



                                        2






                                    SIGNATURE


     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, hereunto duly authorized.


                                                   MERRILL LYNCH & CO., INC.
                                                ------------------------------
                                                         (Registrant)




                                               By: /s/ Andrea L. Dulberg
                                                  ----------------------------
                                                       Andrea L. Dulberg
                                                       Corporate Secretary



Date:  April 15, 2002




                                        3