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What is Fidelity Spire^®?
Fidelity Spire^® is a goal-based financial app focused on helping you save, plan, and invest for your short-term and long-term goals. You can track progress on your goals by linking Fidelity and non-Fidelity accounts. You can also check out our Learn section to grow your financial smarts and learn how you could reach your goals.

How much does it cost to use?
The Fidelity Spire^® app is free to use, same as the Fidelity Mobile^® app. Accounts made available to you via the app can have fees and costs, depending on the account and your investing decisions.

Who can use the app?
The Fidelity Spire^® app is available to United States residents who are at least 18 years old.

Can I reset my Fidelity password in Fidelity Spire^®?
If you need to reset or wish to change your Fidelity password, you can do so on the log-in screen. Password re-set also leverages SimpliSpeak℠. SimpliSpeak℠ uses voice biometrics—the unique physical and behavioral characteristics of a person's voice—for digital identification and security through devices like laptops, smartphones, or tablets.

Can I access all the features of Spire without an account?
If you have a Fidelity account, you can log in to use the full suite of features. You can track progress on your goals, add and delete goals when your situation changes, see your Fidelity accounts, transfer money, link external accounts, and use the decision tool.

If you don’t have a Fidelity account, you can still use the app to set up your goals, demo the decision tool, add and delete goals, grow your financial smarts in the Learn section, and use the Virtual Assistant.

If you decide to open an account, the details you saved will get carried over so you can start tracking progress on your goals right away.

How do I track progress toward my goal?

You can track progress on your goal by linking one or multiple accounts. The total balance of the accounts you use will count toward the progress on that goal. Use a non-Fidelity account you already have, an existing Fidelity account, or open a new one right from the app—it's up to you. If you open a new account, at the end of the account opening process, you can select which goal to assign it to.

How can I open an account in the app?
There are currently 6 types of accounts you can open within the Fidelity Spire^® app: the Fidelity^® Cash Management Account, Fidelity Go^® account, Fidelity Account^®, traditional IRA, Roth IRA, and rollover IRA. You can also explore more ways to invest with Fidelity here.

How is Fidelity Spire^® different than the original Fidelity Mobile^® app?
Fidelity offers multiple mobile apps. The Fidelity Spire^® app is focused on helping you get organized in your personal finances to help reach your short-term and long-term goals. You can track progress on your goal by linking one or multiple accounts, including non-Fidelity ones. The total balance of the accounts you use will count toward the progress on that goal. To learn more, visit Fidelity Mobile^® apps

How is Fidelity Spire^® similar to the original Fidelity Mobile^® app?
Like the original Fidelity app, you'll be able to see all your existing Fidelity accounts, transfer money, deposit a check, and get education within the Fidelity Spire^® app.

How does Fidelity Spire^® compare to competitors?
Fidelity Spire^® is a goal-based financial app focused on educating people while they save and invest toward their goals. While other financial services companies offer their own niche to the investing app space (focused on automatic investing, robo-advisor platforms, or a free trading platform)—we make it easy to set something up to help you plan for saving and investing your money.

Can I trade in the Fidelity Spire^® app?
Yes, you can place trades from the Track or Accounts screens. Go to the "Investing and trading" FAQs section for more details.

Can I deposit a check using the Fidelity Spire^® app?
Yes, you can deposit a check by selecting "Move money" on the Track or Accounts screens. To learn more, go to mobile check deposit FAQs.

Is Bill Pay available in the Fidelity Spire^® app and what is it?
Yes, Bill Pay is now available in Fidelity Spire^®. Bill Pay is a free, online service that lets you easily make payments and manage your bills, using your non-retirement Fidelity brokerage account. No more checks, envelopes, or stamps. Just choose the date you want a bill paid and the amount, and we'll take care of the rest. To learn more visit the Bill Pay FAQs.

How can I access Bill Pay?
You can access Bill Pay by selecting "Move money" on the Track or Accounts screens within the Fidelity Spire^® app or by logging in to Fidelity.com and selecting Bill Pay in the Accounts & Trade menu.

Does it cost anything to use Bill Pay?
There is no cost or fee associated with using Bill Pay, just the convenience of making it easier to pay your bills.

How do I establish a Bill Pay account?
If you're using Bill Pay for the first time, you'll need to add an eligible account to complete any transaction. Unfortunately, you cannot do this in the Fidelity Spire^® app yet. You must visit Bill PayLog In Required on Fidelity.com and select the account you want to enroll in Bill Pay in the account selector dropdown. After clicking on "agree and enroll," you can start adding payees. Once you add payees, you can come back to the Fidelity Spire^® app to schedule payments, view pending payments, and cancel any transactions.

Can I connect my non-Fidelity accounts?
You can view your non-Fidelity accounts in the Fidelity Spire^® app and keep track of your finances all in one place. You can also link external accounts to your goals and use them to track your progress.

From the app, go to the "Accounts" navigation section and select "Non-Fidelity accounts." Then select "Link non-Fidelity accounts" to add details from your other financial institutions through Full View^® which is powered by eMoney Advisor, LLC. Once connected, you'll be able to track your non-Fidelity balances in the "Non-Fidelity accounts" view.

Should I invest when I have debt?
While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt from credit cards or private student loans. Before investing, consider your debt balances.

How should I prioritize investing with my other financial goals?
An investment account can be a good way to pursue long-term goals, but consider these 3 things as you decide if an investment account is right for you and the amount you invest: building an emergency fund, maximizing your workplace retirement plan, and paying off debt.

• Emergency fund: It's a good idea to set aside an emergency fund, money to cover those unexpected but inevitable "Oh no" moments. Most financial professionals recommend saving enough to cover 3–6 months of expenses that are absolutely essential like rent, bills, debt payments. In general, people put this in short-term investments, as opposed to an investment account.
• Retirement: If you have a workplace savings plan through your job, you may want to consider maximizing your employer match before opening an investment account.
• Paying off debt: While it's important to invest in your future, it may also make sense to pay off your debt, particularly high- interest debt from credit cards or private student loans. Before investing, consider your debt balances.

How do I decide my risk tolerance?
Your risk tolerance is the degree of uncertainty you're willing to take when you invest. It's best determined by considering several factors: how much time you have to reach a goal, your experience investing, how much your goal amount is, your other financial resources, and how much risk you can stomach, including risk of loss.

I'm ready to invest, so what can I do next?
Fidelity can help! Fidelity offers tax-advantaged retirement accounts and taxable brokerage accounts, as well as a variety of investment options including index mutual funds.

How do I place a trade?
You can buy or sell an investment (stocks, mutual funds, and ETFs) by placing a trade through the Fidelity Spire^® mobile app. Select the transact button on the Track or Accounts section to search for a quote and trade.

When are markets open?
Standard market hours for US markets are Monday through Friday from 9:30 a.m. to 4:00 p.m. ET. Currently, after-hours trading is not available in the Fidelity Spire^® app. Visit the Fidelity Mobile^® app or Fidelity.com if you want to trade after hours.

What happens to my money when I place a trade?
When you deposit money or sell securities in your account, that money is automatically placed into your core position. However, you don't need to sell from your core position to access the funds. If you transfer to your bank, write a check, or place a trade, money in your core position will be used. When CDs or bonds mature, that money moves into your core position as well.

If you've placed a sell order and want the money sent to you, you'll need to request a distribution.

How do I choose an investment?
You can research a security (aka a tradeable financial asset) by typing a security's name into the quotes search bar. After you decide which investments you want to make, you can place a trade by filling out a trade ticket. If you want to learn more about each security, select the link at the bottom of the quotes screen to visit the research center on Fidelity.com.

What is the decision tool?
The decision tool is an interactive tool that helps you see the tradeoff of money you put toward one goal over the other, and how it can impact your goal timeline or interest paid for debt goals. You can compare 2 goals at a time, using any combination of the short-term, long-term, and debt goals you prioritized.

How can I access the decision tool?
You can access the decision tool from the Fidelity Spire^® app's Learn section or the carousel card on the Track section.

What is Fidelity Go^®?
Fidelity Go is a type of managed account. When you enroll in Fidelity Go, you turn the day-to-day investment decisions for your money over to a team of experienced professionals, who provide this service for a fee. Based on information you provide, these professionals invest your money to help you meet your investment goals. You can also explore other Fidelity managed account programs that could fit your investing and planning needs. Learn more.

Is Fidelity Go^® right for me?
It could be. Start by asking yourself these questions:

• Do you want a team of professionals to choose your investments for you and make changes to your account as needed, based on market conditions?
• Do you want your money invested in a portfolio of low-cost investments?
• Are you willing to pay a fee for someone to make investment decisions on your behalf?
• Are you comfortable taking care of your account online, including providing information about yourself, opening your account, and tracking your investments?

How much does Fidelity Go^® cost?
Fidelity Go^® offers tiered pricing based on your account balance. You'll pay no advisory fee for a balance under $10,000, $3 per month for a balance of $10,000–$49,999, or 0.35% per year for a balance of $50,000 and above. There are no trading fees, transaction fees, or rebalancing fees.

What is the Fidelity Go^® advisory fee based on?
Fidelity Go^®'s advisory fee is based on your account balance

How does Fidelity Go^® work?
You start by telling us a few things about yourself: the year you were born, your household income, the reason you're investing, the amount you hope to invest, when you'll need the money you're investing, and your risk tolerance, and we'll suggest an investment strategy consisting of Fidelity funds that hold stocks, bonds, and short-term investments. You can also give us more information about yourself which allows us to know you better and to help us suggest an investment strategy that may be even more closely aligned to your financial situation. When you don’t provide us with the additional information, we propose an investment strategy using the information you provided us along with assumed responses about you based on information we derive about similarly aged investors or investors with a similar time horizon from other Fidelity programs and services. You can select the proposed investment strategy or another strategy that you believe is appropriate for you (subject to certain constraints). After that, you open your account online. Once your account is open, you can add money to it. We'll start by offering you the chance to make an initial deposit, in the same amount you told us you were going to start with when you created your profile. If you told us you were going to make recurring monthly deposits, we'll prompt you to add those next. But don't worry if you want to put those off until later—you can set those up at any time.

Who manages the investments in my Fidelity Go^® account?
The day‐to‐day investment and trading decisions in your Fidelity Go account will be handled by Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company.

How much should I invest in my Fidelity Go^® account?
While there is no minimum to open a Fidelity Go^® account, the amount you choose to invest is really up to you. Here are a few things to consider as you decide:

• It's a good idea to set aside an emergency fund. In general, people put this in short-term investments as opposed to an investment account like Fidelity Go.
• If you have a workplace savings plan through your job, you may want to consider setting aside the maximum allowable amount in this plan before investing in a Fidelity Go account. This amount will vary depending on your age.
• While it's important to invest in your future, it may also make sense to pay off your debt, particularly high-interest debt. Before investing in Fidelity Go or any other type of investing account, consider your debt balances.

If you feel like you've addressed the considerations above, an investment account like Fidelity Go can be a good way to pursue long-term goals. For taxable accounts, you can deposit as much as you'd like; however, online contributions to Fidelity Go are currently limited to $250,000 per day. If you'd like to start with an amount greater than this, please call a Fidelity investment professional at 800-343-3548.

How do I add money to my Fidelity Go^® account?
You can add money to a Fidelity Go^® account through the Fidelity Spire^® app. You can fund it using an outside bank or another Fidelity account.

If you're already in the Fidelity Spire^® app, you can either go into your goal detail view and select the "Add money to your goal" button, or choose an account from the Accounts list, and select the "Transfer money" button. Select the "Link a bank account" button to set up a funding account. Specify which accounts you are moving money to and from, the amount, and select "Preview transfer" and "Submit." You can also go to Fidelity.com to transfer cash or securities from a Fidelity or non-Fidelity account, and use the "Add money" button on your Fidelity Go dashboard, then choose how you'd like to fund your account. The Fidelity Go dashboard will provide you with information about depositing a check into your account.

What is a Roth IRA?
A Roth IRA is a 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).

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. A 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, disability, qualified first-time home purchase, or death. Roth IRAs are not subject to required minimum distributions (RMD) 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 and potential penalties if the distribution is taken before you reach age 59 1/2. RMDs are required from traditional IRAs no later than April 1st of the year following the year in which you turn age 72.* If you wait until April 1st, you will then be required to take your second distribution by the end of that year.

What is a Rollover IRA?
A Rollover IRA is a retirement account that allows you to move money from your former employer-sponsored retirement plan or another retirement account, into an IRA.

Why should you consider a Rollover IRA?
When you move money as a rollover from your employer-sponsored plan, you preserve the tax-deferred status and avoid early withdrawal penalties. Many people use Rollover IRAs to consolidate former employer-plans and gain access to a wider range of investment options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

What is the Fidelity Account^®?
The Fidelity Account^® is our low-cost brokerage account that can meet your trading needs as you grow as an investor.

Is the Fidelity Account^® right for me?
It could be. Start by asking yourself these questions:

• Do you want to choose your own investments, monitor your account, and make changes to your account as needed?
• Do you want access to a wide range of investment choices?
• Do you want access to free research from 20+ independent providers—coming soon to Fidelity Spire?

What is a Fidelity^® Cash Management Account (FCMA)?
The Fidelity^® Cash Management Account (FCMA) is a brokerage account that's an alternative to a bank account. It gives you the flexibility to access your cash whenever you need it while still allowing you to put your money to work. The FCMA is a brokerage account designed for spending and cash management. It’s not intended to serve as your main account for securities trading, so you can consider a Fidelity Account if you're interested in securities trading.

What features does the Fidelity^® Cash Management Account have?
Fidelity^® Cash Management Account (FCMA) features include zero account fees, no minimum balance, reimbursed ATM fees, free checkwriting and deposits, and a debit card to access your money at any time when you need it. Plus, get up to $1.25 million in FDIC insurance.

Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity^® Debit Card at any ATM displaying the Visa^®, Plus^®, or Star^® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Please note there may be a foreign transaction fee of 1% included in the amount charged to your account.