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
We'll recommend an investment strategy for your retirement account (like an IRA) that's in line with your goals. Then we'll show you how to fund it, whether you're converting an existing Fidelity brokerage or retirement account or opening a new account.
Plus, you'll be able to schedule 1-on-1 discussions with Fidelity advisors to review progress and future savings milestones to aim for.
Are you saving for a big purchase or building wealth for the future? Whether you're converting an existing Fidelity brokerage or retirement account or opening a new account, we can suggest an investment strategy and provide ongoing 1-on-1 financial coaching to help you make progress on your goal.
Simple investing plus 1-on-1 financial advice
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.
Wondering if Personalized Planning & Advice is right for you?
Get a free financial assessment. Call us at 800-343-3548 and ask for "Planning."
Money management and financial advice should be affordable
That's why all you'll pay is a 0.50% advisory fee.
Estimated total cost
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.
Frequently asked questions
Is Fidelity® Personalized Planning & Advice right for me?
It could be. Start by asking yourself these questions:
- Do you enjoy the convenience of accessing your accounts online?
- Do you feel you'd have a better likelihood of meeting your financial goals with the support of professionally managed accounts?
- Do you desire personalized coaching with an advisor to help you with your financial decisions?
- Are you willing to pay a small fee for someone to manage your money and help you with your financial planning needs?
If you answered yes to these questions and have at least $25,000 to invest, then Personalized Planning & Advice may be a fit for you!
What's a robo advisor?
A robo advisor is an affordable digital financial service that uses technology to help automate investing based on information investors provide about themselves and their financial situation. "Robo" refers to these services being almost completely digital, and that computers, smartphones, or tablets are used to access and interact with your accounts. "Advisor" speaks to the investment advisors that offer digital advice and account management services, often for a lower fee than traditional investment advisory services.
What's a hybrid robo advisor?
A hybrid robo advisor is a service that typically combines a professionally managed account (through the help of a robo advisory service) with access to financial guidance or planning. For many hybrid robo advisors, the guidance and planning services are available through phone or video calls with human financial advisors. By meeting over the phone and through computer or app-based video conferencing, these services can come at a lower cost than meeting in person with a traditional financial advisor.
How do robo advisors work?
Robo advisors use various pieces of information about an investor to suggest an investment strategy. In most cases, you'll first be asked some questions online or through an app about yourself and your current financial situation. A robo advisor then uses that information to suggest an investment strategy for your financial goals. Investment strategies can include a mix of different types of investments and many robo advisors include account rebalancing services to help your investments stay in line with your financial goals and preferences.
How does coaching work?
Your financial wellness is our priority. We want to help you navigate life's big decisions by giving you the flexibility to get advice when and how you need it. Our online coaching means 24/7 access to financial planning tools and curated articles relevant to your situation. Then, if you need to go deeper and want advice from our trained advisors, you can schedule a 30-minute coaching call on specific topics.
How does investment management work?
You'll start by telling us about yourself and your individual financial goals—then we'll suggest an investment strategy for your account. We'll then manage your money in accordance with that goal, helping you track your progress and providing coaching calls along the way.
Can I convert an existing Fidelity brokerage or retirement account to a Fidelity Go® or Fidelity® Personalized Planning & Advice account instead of opening a new one?
If you have an eligible Fidelity brokerage or retirement account, you can convert it to either Fidelity Go® or Fidelity® Personalized Planning & Advice. When converting an account, the existing account number will remain the same, along with other features like beneficiary designations, automatic deposits, and automatic withdrawals, if applicable.
If you choose to open an account, we'll display any Fidelity accounts that are eligible to be converted. Only certain accounts can be converted at this time.
What happens after I enroll?
We begin our relationship with the most important part: getting to know you. Your online profile helps us understand your goals—and we'll also gauge your current financial needs. From there, we'll propose an investment strategy, as well as recommend next steps to help you improve your financial health.
What if my needs change?
Life takes turns—and we want to know all about them. At least once a year, we'll ask you to review your information, checking in with you to make sure nothing major in your life has changed. If necessary, we can adjust your investment strategy to help ensure it's consistent with your new situation. And remember, this is a relationship. So, as your needs change, let us know and we may update your investment strategy to align with your new goals. We encourage you not to wait until your next annual review to contact us!
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
System availability and response times may be subject to market conditions.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
The images, graphs, tools, and videos are for illustrative purposes only.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917