How to start planning
Create your vision for retirement
We'll help you think about where you want to be, which you can use to define your goals and your path forward.
Open an account
We can help you choose an account that meets your needs, then suggest an investment strategy designed to help you reach your goal.
Build your plan
You can build a free plan1 on your own and track your progress using our digital tools, or work with a financial professional who can help you build a plan.
How we can help you plan for retirement
Whether you want to handle the planning and investing on your own or get help from us, we can help bring the retirement you've envisioned closer to reality. Start your planning journey by choosing an account type.
I'll handle this on my own
Select an IRA that's right for you, then use our digital planning tools to help you choose the investment options that best meet your needs.
I'd like help from Fidelity
Whether you want to work with a dedicated advisor2 to help you with planning and investing or just need occasional 1:1 coaching, we offer a range of options.
Why plan for retirement with Fidelity
No account fees or minimums
There are no account fees3 or minimums to open a retail IRA with us. Plus you have access to digital tools to help you plan.
Client focused
Being a privately owned company for 75 years has allowed us to be more client focused when helping people plan and save for retirement.
You have options
Whether you're a self-directed investor, need occasional 1:1 coaching, or want to hand all the planning and investing off to a team of professionals, we can help.
Resources to help you build your retirement plan
Build a free plan around what matters to you
Once you open an account, you can use our digital planning tools to set goals, build a plan, track your progress, and get actionable next steps. And if you want to make changes you can do that at any time, with no obligations.
Create a retirement goalLog In Required
Get a snapshot of where you stand
If you're not a customer yet, we can help you plan for retirement. Just answer 6 questions, and we'll provide an estimate of where you stand for retirement in just 60 seconds, as well as some next steps to consider.
Learn more about planning for retirement
The power of having savings goals
Knowing your destination can help you map the best path to get there.
The 3 A's of successful saving
You're more likely to achieve your goals with a strategy grounded in the three A's: amount, account, and asset mix.
50/15/5: An easy trick for saving and spending
It isn't about managing every penny. Track your money using 3 categories.
