Make real progress on your financial goals

Fidelity® Personalized Planning & Advice is our hybrid robo advisor that combines a professionally managed account with financial coaching to help you get closer to reaching retirement or other savings goals.


Start saving for what matters most to you

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We'll recommend an investment strategy for your retirement account (like an IRA) that's in line with your goals. Plus, you'll be able to schedule 1-on-1 discussions with Fidelity advisors to review progress and future savings milestones to aim for.


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Even if you don't have specific savings goals, you can still start investing with a Fidelity® Personalized Planning & Advice account. After learning a little more about you, we'll suggest an investment strategy and provide 1-on-1 financial coaching to help you plan for the future.


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Are you saving for something like a house, car, or wedding? We'll work together during 1-on-1 coaching calls to help you create a budget that fits your lifestyle, and invest using your Fidelity® Personalized Planning & Advice account so you can work toward making that big purchase.


Wondering if Personalized Planning & Advice is right for you?

Get a free financial assessment. Call us at 800-343-3548 and ask for "Planning."

What's included with your Personalized Planning & Advice account



Professional investment management


We'll suggest an investment strategy for your account, manage it, and make adjustments along the way to help keep your savings goal on track.



1-on-1 financial coaching


Our team of Fidelity advisors will help you evaluate your financial picture and provide advice on coaching calls when you need it.
Learn more about coaching



Flexible financial planning


As your life changes, we'll work with you to help adjust your financial plan to make sure it's in line with what's important to you.

It matters where you put your money

Here's a hypothetical example of how $10,000 would have grown over the past 10 years if it was invested in a conservative mix of investments (like the S&P Target Risk Conservative Index, using actual historical returns) versus a traditional savings account (using actual historical interest rates from FDIC weekly averages).


The investments in this example have different fees, features, characteristics, and risks, which should be carefully considered before investing. FDIC-insured accounts do not have risk.


This chart is for illustrative purposes only and doesn't reflect the actual or implied performance of Fidelity® Personalized Planning & Advice.

Keep in mind past performance does not guarantee future results. The hypothetical accounts are based on historical returns from January 1, 2010 to March 31, 2020. Indexes are unmanaged and it's not possible to invest in an index.


How we calculated the estimates: 1. Assumed a one-time deposit of $10,000 at the period start date in "traditional savings" account and a "conservative investment" account. 2. There were no withdrawals from the accounts during the timeframe. 3. No fees or taxes were applied, and returns would have been reduced by fees and expenses. 4. Investments in "traditional savings" account assumed only an FDIC-insured account. Returns were calculated by applying the historical national average rate of return for savings account from FDIC from January 1, 2010 to March 31, 2020. 5. For the "conservative investment" account, calculations were made by using the S&P Target Risk Conservative Index historical returns for the same period and include a period of positive returns for underlying investments. If other time periods were used, results would have been different. The S&P Target Risk Conservative Index is designed to measure the performance of conservative 30/70 stock-bond allocations to fixed income, seeking to produce a current stream and avoid excessive volatility of returns. Equities are included to help protect long-term purchasing power. Unlike the traditional savings account, the S&P Target Risk Conservative Index does not carry FDIC insurance to protect from loss.

Note: There's a $25,000 minimum balance to get started, which can be held in one Personalized Planning & Advice account or as a combined balance for multiple Personalized Planning & Advice accounts.

Estimate of $10.42/mo is based on an account balance of $25,000 and our 0.50% gross advisory fee. Total costs will vary with account balance, and estimates are based on the assumption that you will fund your account with cash and your account balance does not change for a year.

What is Fidelity's hybrid robo advisor?

It's a combination of a professionally managed investment strategy (example pictured here) that's created, monitored, and automatically rebalanced based on your goals; personalized 1-on-1 financial guidance from a team of advisors; and online planning tools to help you track your progress and make smart choices for the future.


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What to expect next

  • Get a free proposal

    Tell us about your savings goal and we'll suggest a no-commitment investment strategy to help you work toward it.

  • Accept, open, and fund

    After accepting the proposal, you can open and fund your account. We'll then make all the investing decisions for the account based on your investment strategy.

  • Stay on track

    We'll adjust your strategy, when needed, and be available to answer questions about your financial future.

Ready to get started?

It'll take about 5 minutes.

Questions?
800-343-3548
Ask for "Planning"