Goal-based portfolios with a mix of investments, built for you. We design a strategy around your full financial picture, your comfort with risk, and your long‑term goals—like retirement and legacy planning.
Your portfolio is constructed around your objectives, risk preferences, and when you’ll need the money. When your life changes, we’ll work with you to evolve your strategy.
Your advisor is backed by an investment management team that has deep expertise in asset allocation, investment selection, and personalized trading.
We look for ways to enhance your after-tax returns by applying up to 8 tax-smart strategies5 throughout the year, helping your money stay invested.
Your advisor is backed by a team of portfolio strategists, analysts, and traders. While these experienced professionals actively monitor the markets and look for investment opportunities, your advisor will work with you to review your plan as your life changes and your needs evolve.
You can choose from options like a total return or defensive approach, investments that are Fidelity-focused, index-focused, or a blend of both, sustainable investments, and the ability to own individual securities within separately managed accounts (SMAs). You'll also get ongoing tax management for taxable accounts, throughout the year, year after year.
Professional money management can be a smart way to make sure your portfolio has the appropriate strategies in place. Studies estimate that professional financial advice can add up to 4.9% per year to long-term returns.4
A manager can help you stay the course, even during periods of market turbulence when your instinct may be to sell. We believe that staying invested over the long term is one of the best ways to achieve your financial goals.
Connect with advisors by phone or video about your plans and let us build and manage a portfolio designed to help you achieve your core financial goals3.
Get one-to-one, comprehensive planning for your full financial picture, from retirement to health care to leaving a legacy. Partner with your advisor with additional support from a team of specialists.
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We believe that your investment strategy should work with the life you’re envisioning—the goals you set will play a big part in how we construct your overall plan.
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Unlike some firms, we don't simply wait until year-end to harvest tax losses. We use tax-smart5 investing strategies throughout the year, designed to help reduce your tax bill and keep your money at work. And if you transition your portfolio for us to manage, we look for ways to integrate your existing holdings and mitigate the short-term tax impact.
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The investment strategy for each of your accounts is built and actively managed by a team of over 160 portfolio strategists, analysts, and traders. These experienced professionals continually look for investment opportunities that make sense for each individual client’s financial plan.
Learn to stay the course in turbulent markets.
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An asset location strategy can potentially improve after-tax returns.
5 min 
Whether you’re looking for digital account management, integrated investment strategies, or a more collaborative, advisor-based approach, we offer a number of ways to work together.
A conversation with an advisor is the first step to helping you find the right approach to reach your goals.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Diversification and asset allocation do not ensure a profit or guarantee against loss.
1. Personalized Portfolios accounts are discretionary investment management accounts offered through Fidelity® Wealth Services for a fee.
2. Fidelity offers a range of advisory programs and do-it-yourself investing options, each with different fees and features, that may be appropriate for you. Learn more here. A Fidelity representative can help you understand the different options available to you, including information about the fees and features of each option.
3. Fidelity® Wealth Services (FWS) offers three service levels: Fidelity Advisory Services, Fidelity Wealth Management, and Fidelity Private Wealth Management. Each level has its own fees, features, and eligibility requirements. Minimum investment to enroll is $50,000. Refer to the FWS Form ADV, Part 2A Brochure, fidelity.com/information for more details. To be eligible for Fidelity Private Wealth Management through Fidelity® Wealth Services, clients are subject to a qualification and acceptance process, and must typically invest at least $2 million, in the aggregate, in FWS and/or FSD and have investable assets of at least $10 million. For details, review Form ADV, Part 2A Brochure, available online or through a representative.
Fidelity Advisory Services is available through Fidelity® Wealth Services, which is an investment advisory service that provides nondiscretionary financial planning and discretionary investment management through one or more Personalized Portfolios accounts for a fee. Clients enrolled in the service receive phone-based access to a team of advisors.
4. Russell Investments, 2025 Value of an Advisor Study. Estimated advisor value of 4.87% is based on Russell Investments’ “ABCT” framework, which quantifies four measurable components of advisor value: appropriate asset allocation (A), behavioral coaching (B), customized family wealth planning (C), and tax‑smart planning & investing (T). Estimates reflect long‑term average impacts using historical data from January 2005–December 2024 across representative market indices and Morningstar datasets. These figures are hypothetical, are not guarantees of future results, and are not intended to represent any specific client outcome.
5. Tax-smart investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, Strategic Advisers LLC (Strategic Advisers), primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction.
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 Strategic Advisers 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.
The images, graphs, tools, and videos are for illustrative purposes only.
Fidelity® Wealth Services provides non-discretionary financial planning and discretionary investment management through one or more Personalized Portfolios accounts for a fee. Advisory services offered by Strategic Advisers LLC (Strategic Advisers), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. Strategic Advisers, FBS, and NFS are Fidelity Investments companies.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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