Hi there! Ask us. We're here for you.

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. While you contribute money toward your goals, you can get content from our education hub to get smarter. Find simplified financial education that covers different stages of each goal and use our tools and resources to better assess where you stand.

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.

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

If you need to reset or wish to change your Fidelity password, you can do so on the login 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.

Yes! You can set your home screen to decide whether you'll land on Track, Accounts, Learn, or More when you open the app. Your home screen will also live on the left-hand side of the navigation for easy access.

Yes! Even if you don't currently have an account with us, you can still use the app after signing up in both iOS and Android. Within iOS only, we have an improved "guest membership" experience. You'll be able to set up your goals, explore the Learn section, try out the decision tool, and use the spare cash calculator. If you decide to open an account with us, we'll remember all your info, and you'll get an even better goal tracking experience and be able to invest and trade with us.

Please note, the username and password created for Fidelity Spire^® cannot be used in other Fidelity experiences until you open an account with us.

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

Yes, you can place trades from the Track or Accounts screens. Go to the "Investing and trading" FAQs section for more details.

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.

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.

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.

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.

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.

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.

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.

AYour 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.

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.

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.

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.

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.

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. You can also create a watchlist to keep an eye on your favorite stocks, mutual funds, and ETFs.

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.

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

Once you're in the decision tool, you'll see all the goals you prioritized during the initial app setup. Select 2 goals to compare and enter any spare cash if you have any (think money left after debts and bills are paid). Select the "See impact" button and you'll see the breakdown of your monthly commitment to both goals. As you slide the dial to adjust the amount you put towards one goal versus the other, you can see how tilting your contributions more heavily towards one goal can impact your timeline and the interest paid for debt goals.

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.

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?

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.

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

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.

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.

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 ta

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.

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).

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.

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.

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.

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

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?

The Fidelity Account^® has zero account fees, no minimum balance, and $0 commissions for online US stock, ETF, and option trades.

$0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). There is an Options Regulatory Fee (from $0.03 to $0.05 per contract), which applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. See Fidelity.com/commissions for details. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Clearing & Custody Solutions^® are subject to different commission schedules.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options. Supporting documentation for any claims, if applicable, will be furnished upon request.

Zero account minimums and zero account fees apply to retail brokerage accounts only. 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.

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.

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.

The Fidelity^® Cash Management Account has zero account fees, no minimum balance, reimbursed ATM fees, and free checkwriting and deposits.