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Wealth Planning

Your Fidelity financial professional can provide guidance on a wide range of wealth planning topics, help answer your questions, and offer one-on-one support as you build a comprehensive plan for your financial future.

Let us help you plan your financial future

Understanding your investment objectives allows us to help you choose solutions and products that fit your needs.

Asset allocation

What is your target mix of stocks, bonds, and cash?

Tactical allocation

Do you consider large, medium, small, and international company exposure when making portfolio decisions?

Do you consider different issuers, maturities, and credit risks when purchasing bonds?

Asset location

What is your strategy for locating specific investments, assets, or securities in taxable, tax-deferred, or tax-free accounts?

Tax-efficient investing

Do you consider ways to defer, reduce, or minimize taxes on your portfolio?

Do you make charitable gifts and, if so, what is your strategy?

Taxable savings strategy

What are your goals, time frames, and risk tolerances for your taxable assets, and what is your savings investment strategy? Do you have a savings strategy to grow your taxable assets for future use?

Next steps

One-on-one consultation
Contact your Fidelity financial professional or call us at 800-343-3548 to schedule time to discuss how these topics apply to your overall financial situation.

Investing Calculators & Tools
Use these tools to help understand, create, and monitor a diversified investment portfolio.

Managed Accounts
Let our professionals do the investing for you.

A comprehensive understanding of your retirement goals and objectives allows us to help you find appropriate investment strategies and build a retirement plan for your future.

Savings strategy

Are you on track to reach your retirement investment goals? Are you saving enough?

Income strategy

Do you have a plan for income generation and expenses upon retirement?

What is your strategy regarding income generation and expenses?

What do you know about sustainable withdrawal rates in retirement planning?

Workplace investments

How does your 401(k) or 403(b) factor into your retirement plan?

Do you review your statements?

How do you make investment decisions?

Benefits and Social Security

Do you know how your company, Social Security, and Medicare benefits fit into your overall investment strategy?

Do you review those statements regularly? Are you aware of minimum required distributions?

Who manages your company's retirement plan?

Health care/long-term care

Do you have disability insurance and, if so, how did you determine the amount? What is the maximum monthly benefit and how long will you be eligible?

Do you own personal liability coverage? How did you determine the amount of coverage?

What do you know about longevity planning and how does your current plan address the risk of outliving your assets?

Next steps

One-on-one consultation
Contact your Fidelity financial professional or call us at 800-343-3548 to schedule time to discuss how these topics apply to your overall financial situation.

Retirement Calculators & Tools
Use these tools to help take the guesswork out of your retirement savings and income strategy.

Investing Calculators & Tools
Use these tools to help understand, create, and monitor a diversified investment portfolio.

Understanding the steps you have or have not taken to protect your income allows us to be your advocate so that you can maintain and safeguard your quality of life, continue to pursue your passions, and work toward your legacy planning goals.

Disability

How would a disability affect your income? Do you have disability insurance? If so, how much? When do the benefits begin after a disability? What is the maximum monthly benefit and how long will you be eligible?

Premature death protection

Do you have a life insurance protection strategy that would meet your family’s essential and discretionary income needs?

Outliving income

Do you have an investment strategy and plan that will meet both your essential and discretionary income needs for the rest of your life?

Next steps

One-on-one consultation
Contact your Fidelity financial professional or call us at 800-343-3548 to schedule time to discuss how these topics apply to your overall financial situation.

Life Insurance
Learn how to help protect your family's future.

Annuities
Learn how we can help you increase or protect your savings or generate a stream of income.

By engaging in discussions with you and exploring your goals, we can help guide you in your effort to ensure that you will have the assets necessary to accomplish your philanthropic wishes and legacy planning objectives.

Estate planning

Have you worked with your attorney and tax specialist to draft an estate plan and potentially establish a trust to help transfer assets to beneficiaries?

What is the primary goal of your estate plan? Avoiding taxes? Providing for your family? Charitable giving?

Who are the principal beneficiaries of your estate? Are they up to date?

Do you own long-term-care insurance?

Do you have guardians for your children? Do you have trustees for your estate?

Do you own life insurance? What kind and how much? Who are the beneficiaries? Do you own life insurance directly or is it in a trust? Do you have enough life insurance?

Wills

Do you have a will, living will, and health care proxy? When were they last updated?

Do you have a durable power of attorney in the event you cannot be reached or cannot make decisions?

Trusts

Does your estate plan include trusts, which can be an efficient way to transfer assets by maximizing tax efficiency?

Wealth transfer

What is your plan for providing and gifting to your heirs?

Charitable giving

What is your charitable giving strategy and how do you fund donations and make grants?

Next steps

One-on-one consultation
Contact your Fidelity financial professional or call us at 800-343-3548 to schedule time to discuss how these topics apply to your overall financial situation.

Estate Planning & Inheritance
Learn how estate planning and inheritance can fit into your financial plan.

Charitable Giving
Learn how charitable donations can be an important part of your tax strategy.

Identifying current or possible future financial needs within your family, whether parents, children, or other loved ones, allows us to help you form financial strategies for coping and helping to ease the strain.

Children

Do you have children? Have you invested for their education (UGMA/UTMA, 529 plans)?

Do you provide any financial assistance to your children? Do you have any grandchildren? Do you contribute to their education funding or provide them financial assistance?

Parents and relatives

Are your parents living and do you assist them financially? How do your parents provide for their living and medical expenses in retirement? How will their estate plan impact your plan?

Next steps

One-on-one consultation
Contact your Fidelity financial professional or call us at 800-343-3548 to schedule time to discuss how these topics apply to your overall financial situation.

Budgeting & Debt Management Calculators & Tools
Use these tools to help learn how to establish a budget, create a savings plan, and work toward paying down debt.

529 College Savings Plans
Learn about flexible, tax-advantaged accounts designed specifically for college savings.

Questions?

Wealth Planning Overview

Consider these questions to discuss with your Fidelity financial professional when planning for your future.

View the Wealth Planning Overview (PDF)

More information

  • Fidelity Learning Center

    We offer quick, easy-to-follow lessons on a wide range of investment topics.

  • Attend a seminar

    We have free, in-person classes in your area covering a variety of investment topics.

Questions are designed to help give you insights and items to consider when planning for your future. They are intended for educational purposes only.

Although consultations are one on one, guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.

Fidelity does not provide legal or tax advice. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Fidelity cannot guarantee that the information herein is accurate, complete, or timely. Fidelity makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation.

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