The new way to IRA

With Fidelity® Personalized Planning & Advice, we manage your IRA so you don't have to. Plus, you'll have access to unlimited 1-on-1 retirement coaching and guidance calls with a Fidelity advisor.


What you’ll get with your Personalized Planning & Advice IRA



Professionally managed account


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



1-on-1 retirement 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 before retirement, 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."

Here are the types of retirement accounts to consider

Rollover IRA


Consolidate old 401(k)s or 403(b)s into one centralized IRA.1




Explore other options for 401(k)s

Roth IRA


Invest after-tax money toward retirement and your potential earnings grow tax-free.2



Traditional IRA


Reduce your taxable income by deducting part of your contributions3 and pay taxes on potential earnings when you take withdrawals.4


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 to expect next

  • Get a free proposal

    Tell us about your retirement 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 your financial questions about retirement.

Ready to get started?

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

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!

  • How is a Roth IRA different from a traditional IRA?

    With a Roth IRA, you contribute money that's already been taxed (that is, "after-tax" dollars). Any earnings in a Roth IRA have the potential to grow tax-free as long as they stay in the account. Withdrawals of earnings from Roth IRAs are federal income tax-free and penalty-free if a 5-year aging period has been met and the account owner is age 59½ or over, disabled, or deceased. Roth IRAs are not subject to required minimum distributions (RMD) rules during the lifetime of the original owner, so you can leave your assets in the Roth IRA where they have the potential to continue to grow.

    With a traditional IRA, contributions can be made on an after-tax basis, or a pre-tax (tax-deductible) basis if certain requirements are met. Any earnings in the traditional IRA are tax-deferred as long as they remain in the account. Withdrawals of pre-tax monies are subject to ordinary income tax when withdrawn. RMDs are required from traditional IRAs no later than April 1st of the year following the year in which you turn age 72.5 If you wait until April 1st, you will then be required to take your second distribution by the end of that year.

    For both types of IRAs, distributions before age 59½ may be subject to both ordinary income taxes and a 10% early withdrawal penalty. For a detailed comparison, view the traditional vs. Roth comparison table.

    Note that with a Roth IRA, you're able to withdraw contributions you've made at any time, for any reason, with no taxes or penalty.

  • What is a rollover IRA?

    A rollover IRA is a retirement account that allows you to move money from your former employer-sponsored plan to an IRA while keeping your money's tax-deferred status.

  • What is a Roth IRA ?

    A Roth IRA is tax-advantaged savings account where you make after-tax contributions and withdraw those contributions tax-free and penalty-free at any time and for any reason. You can potentially withdraw any earnings tax-free once you have met the 5-year rule and withdraw the earnings for a specific reason (age 59½, death, disability, qualified first time home purchase).

  • What is my traditional IRA contribution limit for this year?

    In 2019 and 2020, you can contribute a maximum of $6,000 to your traditional IRA if you're under age 50, or $7,000 if you're age 50 or over.

  • How much can I contribute to my Roth IRA?

    In 2019 and 2020, you can contribute a maximum of $6,000 to your Roth IRA if you're under age 50, or $7,000 if you're age 50 or over.

  • 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 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.

  • 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.