About Fidelity

What is financial mobility?

Financial mobility is the ability of an individual to climb the economic ladder and achieve their most important financial goals. It is especially important for young people who are just starting their journey into the world of personal finance. Read our fact sheet to find out how Fidelity is helping.

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Why financial mobility is important 

Achieving financial mobility is about more than just making money, it’s about young people developing the financial skills and discipline necessary to achieve greater economic independence and reach their most important life goals. Financial mobility for young people can contribute to the nation’s economic growth and empower the next generation of leaders, entrepreneurs, and innovators.

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What Fidelity is doing to support financial mobility

Fidelity is committed to helping advance the financial mobility of young people, equipping them with the financial education, digital tools, market insights, and products and services needed to help them plan and achieve their most important financial goals.


Public policy is a powerful tool for advancing financial mobility among young Americans. Policymakers can play an important role in helping young people reach their financial goals.


Fidelity was proud to strongly support the SECURE 2.0 Act. The law includes critical reforms that expand retirement coverage, help employees save for retirement while paying off student loans and make it easier for plan participants to transfer their retirement accounts when they change jobs.

Emergency Savings

Emergency Savings is money that is set aside in case of an emergency or unexpected event. We appreciate that Congress has recognized the importance of it in the SECURE 2.0 Act. We believe this is an area ripe for innovation, and more can be done to support the need for short-term savings. 

Student Debt

Congress should make permanent a provision in the CARES Act of 2020, which allows employers to contribute up to $5,250 tax-free to an employee’s student loans each year. This has enabled many employers to offer a direct student loan benefit, but without action, will expire on December 31, 2025.

College Savings

529 college savings plans should be enhanced to make it easier to save for college. We believe 529s should be able to support graduate and specialized continuing education, employers should be allowed to augment employee 401(k)s if they contribute to a 529 and that 529s should be eligible for the Saver’s Credit.

Health Care

Health Savings Accounts (HSAs) can be enhanced to ensure more Americans are prepared for their current and future health expenses. HSA access should be expanded beyond those enrolled in High Deductible Health Plans (HDHPs) and we support increasing the contribution limits of HSAs. 


Fidelity provides numerous financial literacy resources and tools to inform young Americans and get them started on their financial journey.

Investing for Beginners

Investing basics and how to get started.

Teens and Money Conversation Guide  

Get started talking to your teen about investing. 

Setting Financial Goals

Ready, set, go(al). Here's our framework for how to create, prioritize, and then tackle your financial goals.

How to Start Investing

It doesn't have to be overly complicated. Here's how to start as a beginner.

Five Money Musts

A fun, free digital tool to experience the basics of budgeting, credit cards, debt, investing, and retirement. 

How to Save for Retirement

Learn about the tax-advantaged options available for people without a 401(k).

Student Loan Calculator 

Provides a clear picture of how much is owed and how long it will take to pay off. 

Strategies for Student Loan Debt 

How you take on—and pay off—student loans should be part of your financial plan.


Fidelity is committed to advancing financial mobility through our work in the community, by increasing access to education and enhancing financial literacy.

Community Relations

At Fidelity, we’re invested in the future of the communities where we live and work. We proudly collaborate with nonprofit organizations, across our footprint and beyond, to expand access to financial education and help drive impact in our local communities.

Invest in My Education (ME)SM

In 2023, Fidelity launched Invest in My Education (ME)℠, an initiative that provides access to education and ongoing support to students from underrepresented populations and historically underserved communities who have faced systemic barriers and challenges to financial mobility.

Fidelity Financial Forward®

We make it easy to get started with a financial education with students of any age, whether you’re at home or in the classroom. With curated content organized by age, educators, parents, and anyone can have the necessary tools to teach children from grades K-12 about healthy money habits.

Financial Literacy

Support for financial education is a building block for stronger communities and our country. Fidelity supports a year-round approach to financial literacy education and has several programs to expand access to financial education in underserved communities. 

Products & Services

Fidelity offers a range of products and services to help young Americans confidently unlock their financial potential and build a path to economic success.

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Fidelity YouthTM
Teens ages 13–17 can learn to make, manage, and invest in the Fidelity Youth™ app—with a free debit card1 and no subscription fees, account fees, or minimums to open.2

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Fidelity Go®
A simple and convenient robo-advisor platform that gives investors low-cost, low-stress access to Fidelity’s professional money management, with no account minimum.2

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Fidelity Goal BoosterSM
An out-of-plan investing and saving experience designed to help people save smarter for important savings goals, including emergency savings.

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Fidelity Financial Forward® for Universities
A program where universities can work with Fidelity to help shape a financial education experience for their students.

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Student Debt Employer Contribution Program
Our program enables employers to help their employees alleviate the burden of student loan debt.

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Retirement & IRAs
Whether you want to manage retirement planning on your own or have us guide you, we're here to help along the way.

1 The Fidelity® Debit Card is issued by PNC Bank, N.A, and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.​
2 Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.