Teens pick up their money habits from their parents, and need practice with budgeting, saving, and finally investing—the steepest learning curve of all. Meanwhile, many parents of teens aren’t confident teaching financial literacy. And letting teens experiment on their own, especially with investing, can feel risky.

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A growing body of research indicates that environmental, social, and governance (ESG) investing has reached a tipping point. Amid the news events and calls for social change, investors are increasingly interested in the purpose and impact of their investments. Still, many financial advisors have found it challenging to enter this discussion. Building an ESG offering can be time-consuming. And talking to clients about their values can be awkward.

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As the COVID-19 pandemic shuttered workplaces around the world, organizations raced to pivot to remote work. Fidelity rolled out a comprehensive strategy for minimizing exposure to the virus and protecting the communities we serve. Nearly all of our colleagues were working remotely by the end of March. Major advances had already been made toward the goal of a fully paperless office, but the pandemic created an urgency for our teams to move even faster. At the time, a small team at Fidelity Labs was already developing FidSafe for Business, a secure, document-sharing platform for our associates, customers, and other users.

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Imagine being a new graduate with multiple student loans from multiple providers, and multiple options for repayment. For many new grads, student debt is the first big personal finance problem they’ve ever had to deal with. Financial literacy isn’t formally taught, so the cognitive load of figuring out student debt repayment can feel impossible.

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Thanks to providers like Fidelity, people can rely on easy, convenient systems to stay on track with retirement savings. But when it comes to saving for near-term goals (think: vacation, house, or wedding), people tend to be less organized. Some rely on a basic savings account and miss out on other options, like investing. Others lack visibility into how, when, or if they’ll reach their savings goals.

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