Planning for Retirement - Open an Account | The Planning Effect | Fidelity Investments

Traditional IRA

Defer paying taxes now to potentially grow your savings faster.

Open an account

Roth IRA

Enjoy tax-free growth potential and tax-free withdrawals.*

Open an account

Rollover IRA

An option for consolidating any former workplace plans.^†

Open an account

Explore these options

Fidelity Go^®

Let us handle the investing so you don't have to.

No account minimums²
Unlimited 1-on-1 coaching calls with a dedicated team of Fidelity advisors once your account balance reaches $25,000
Investments managed for you based on your preferences and unique financial situation

Fidelity^® Wealth Services

Planning & advice through a dedicated Fidelity advisor.

Customized planning and investment management
Minimum investment of $50,000 or $250,000 for a dedicated advisor³

Find an advisor

Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

* A qualified distribution from a Roth IRA is tax-free and penalty-free, provided the 5-year aging requirement has been satisfied and one of the following conditions is met: age 59½ or older, disability, qualified first-time home purchase, or death.

† Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets

1. Clients with $250,000 or more at Fidelity may be eligible for dedicated Fidelity advisor access.

2. There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10. The Fidelity Go program advisory fee is calculated and charged at the account level.

3. Fidelity® Wealth Services ("FWS") offers three service levels, each with its own fees, features, and eligibility requirements. Wealth Management service level clients must generally qualify for support from a dedicated Fidelity advisor, which is based on a variety of factors (for example, a client with at least $250,000 invested in eligible Fidelity account(s) would typically qualify). Account investment minimum is $50,000. For details, review the Program Fundamentals available online or through a representative.

No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.

Fidelity Go® and Fidelity® Wealth Services are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser, for a fee. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

821695.13.0

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