Align your financial decisions and your personal goals with help from real people who understand real life—whether you're saving for or living in retirement.
You have goals, we’ve got solutions to help you achieve them—with no account fees to open and no minimums for most retirement accounts.1 Discover why 1 in 5 Americans trust Fidelity to help them save for the future.2
Once you contribute to your Roth, potential growth within the account is tax-free. Contributions you add to your account may be withdrawn at any time, penalty-free.
Reduce your taxable income by deducting your contributions, if eligible, and your potential earnings grow tax-deferred.3
If you are looking to move your old 401(k) and workplace accounts into one IRA, you can do so without taxes or penalties.4
We’ll help you open an account and align your plan to your saving and investing goals. Track your progress and make adjustments as needed with tools and support to help you get the most out of your retirement savings.
Get support with income planning, and use our collection of tools and education to monitor how you’re doing across all your financial goals and help you make decisions about your money.
From helping you create a plan to calculating income in retirement, we’ve got you covered.
Ready to create a plan for your finances? We’ll show you where you stand and provide guidance on how to reach your goals.
Answer a few quick questions to see which IRA you're eligible for and how much you could add to your account this year.
Using a mix of predictable income and savings, we’ll help you see how much money you could have each month in retirement—make adjustments and see how they affect your potential income.
An income annuity could help provide you with predictable income when you’re in retirement. Estimate how these types of annuities could help cover your essential expenses in retirement.5
Whether you're looking for investment strategies or a more collaborative and customized approach, we offer a number of ways to work together.
Remember the 3 A's for retirement saving: amount, account, and asset mix.
7 min 
An individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way.
2 min 
Understand the risks and know your needs.
9 min 
No matter the size of your business, we have accounts that can help you and your employees reach your respective retirement goals.
We’ll guide you through some basic questions to help you find accounts that may fit your goals.
We can help you find the answers.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.
Screenshots are for illustrative purposes only.
IMPORTANT: The projections or other information generated by the Planning & Guidance Center Retirement Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time.
1. Zero account minimums and zero account fees apply to retail brokerage accounts only. Fidelity may apply a quarterly Residual Balance Maintenance Fee of up to $5 to brokerage accounts with residual balances below $100 that are not invested (other than in a core position) and have not been used for any financial transactions other than core dividend and interest payment and/or reinvestment in over a year. 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.
2. Based on the number of unique Fidelity customers as a percentage of the US 18+ population estimated using 2023 Census estimates and forecasted annual population growth from the US Census.
3. A distribution from a Traditional IRA is penalty-free provided certain conditions or circumstances are applicable: age 59 1/2; qualified first-time homebuyer, up to $10,000; birth or adoption expense (up to $5,000); qualified higher education expense; death or disability; health insurance premiums (if you are unemployed); some unreimbursed medical expenses; substantially equal periodic payments; or tax levy.
4. Generally, there are no tax implications if you complete a direct rollover and the assets go directly from your employer-sponsored plan into a Rollover, Traditional or Roth IRA (as applicable) via a trustee-to-trustee transfer.
5. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company.
Fidelity advisors are licensed with Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, and registered with Fidelity Brokerage Services LLC (FBS), a registered broker-dealer. Whether a Fidelity advisor provides advisory services through Strategic Advisers for a fee or brokerage services through FBS will depend on the products and services you choose.
Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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