Wealth Planning | Building a financial plan tailored to your goals

Building your plan together

Your Fidelity advisor* works together with you and members of our team to help you build a personalized plan. It all starts with a conversation that helps us bring your full financial picture into focus.

Your goals

We can help you grow and protect your wealth for things like retirement, health care expenses, estate planning, or whatever matters most to you.

Your retirement income

We can help you enjoy your retirement with confidence while continuing to help protect your hard-earned savings and assets.

Your investments

You and your advisor will work together to create a flexible investment plan tailored to your personal situation, comfort level with risk, and goals.

Your tax situation

We can help you identify and implement tax-smart investment approaches, where appropriate, designed to help you keep more of what you earn.

Your legacy

We can help you create a plan for what comes next for the people who matter most to you.

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

* Fidelity advisors are registered with Fidelity Brokerage Services LLC (FBS) and licensed with Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment advisor. Whether a Fidelity advisor provides advisory services through FPWA for a fee or brokerage services through FBS will depend on the products and services you choose. Clients with $250,000 or more at Fidelity may qualify for a single point of contact for support and guidance as needed without enrollment in an investment advisory program.

Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation.

Other than with respect to assets managed on a discretionary basis through an advisory agreement with Fidelity Personal and Workplace Advisors LLC, you are responsible for determining whether, and how, to implement any financial planning recommendations presented, including asset allocation suggestions, and for paying applicable fees. Financial planning does not constitute an offer to sell, a solicitation of any offer to buy, or a recommendation of any security by Fidelity Investments or any third party.

Advisory services provided through Fidelity Personal and Workplace Advisors LLC, a registered investment adviser. Brokerage services provided through Fidelity Brokerage Services LLC. Both are Fidelity Investments companies.

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

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	Retirement Your advisor will work closely with you to understand your vision and help you create a clear path forward.
	Health care This may be one of the largest expenses you face. We can show you ways to account for both short- and long-term needs.
	Estate What comes next for you and your heirs? We can provide guidance to help you feel confident that your wishes will be carried out.
	College Given the cost of education, having a plan in place for children and grandchildren is the first step in making sure you can meet these expenses.
	Charity We can work together to develop strategies designed to help you support the causes that matter to you in a way that makes sense financially.


	Tax-smart investment management* Portfolio managers review all of your managed account holdings, including individual purchase dates, in search of opportunities to apply differentiated tax-smart investing techniques as part of an effort to help reduce the impact of taxes on your investments.
	Tax-deferral strategies If there are instances where it makes sense to put off paying taxes until a future year, we can help you develop a plan around your personal situation.
	Tax-reduction strategies You can't avoid paying taxes, but there may be situations where we can help you identify opportunities to reduce what you do have to pay.
	Roth IRA conversions When it comes to Roth IRA conversions, your advisor can help you every step of the way, from analyzing the impact on your retirement plan to facilitating the conversion.


	Professional investment management You'll have access to a wide range of professionally managed investment solutions that can be customized to your priorities and preferences.
	Investment guidance For those situations where you're comfortable pursuing your own investment ideas, we're here to provide guidance along the way.
	Specialized investment services When you need access to specialized investments, services, or strategies, your Fidelity advisor can help you understand your options.
	Strategies for market volatility If you're concerned that fluctuating markets may test your resolve, we offer access to investment approaches designed to help reduce the impact on what you've saved, which could help you stay invested.


	Retirement readiness Your advisor will work with you to help you determine whether you’re saving enough and investing appropriately to live the life you've envisioned.
	Income generation After a lifetime of saving, we can help you transition to the next phase, where the wealth you've built can support the plans you've made.
	Social Security & other benefits The timing of when you start receiving Social Security can have a significant impact on your retirement planning. We can help you better understand your choices.
	Health care and long-term care This may be one of your largest expenses in retirement. We can help you prepare to meet these expenses.
	Optimizing employee benefits Whether it's your pension, making the most of your workplace savings plan, or understanding equity compensation, we can help you create a strategy that aligns to your retirement planning.


	Beneficiaries and titling of assets We can provide guidance as you work to create a plan that aligns to the way you'd like your assets distributed.
	Gift strategies As you look to reduce the tax impact of passing on your estate, we can offer guidance if you decide to distribute portions of it as gifts.
	Estate planning Your dedicated advisor can work with a team of estate planning specialists to provide you with guidance, along with strategies to help make the transfer of assets more tax-efficient.
	Preparing and involving your family We can work to help you determine the appropriate time to bring family members into your decision-making process, and help moderate discussions to create a smooth path forward.

Comprehensive wealth planning for your full financial picture

Building your plan together

Your goals

Your retirement income

Your investments

Your tax situation

Your legacy

Get the latest insights

Let's talk about how we can work together

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Your goals

A Fidelity advisor can work with you to develop a plan designed to help you reach your goals.

Call or visit us today to set up an appointment

Your tax situation

A Fidelity advisor can work with you to develop a plan designed to help you keep more of what you earn.

Your investments

A Fidelity advisor can help put the full breadth of our resources to work for you.

Your retirement income

A Fidelity advisor can work with you to develop a plan designed to help you achieve the retirement you've envisioned.

Your legacy

A Fidelity advisor can help you create a plan around what comes next.