Before investing, consider the funds' investment objectives, risks, charges, and expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
Investing involves risk, including risk of loss.
Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read . Supporting documentation for any claims, if applicable, will be furnished upon request.
1. Fidelity® Wealth Services is an investment advisory service that provides nondiscretionary financial planning and discretionary investment management through one or more Portfolio Advisory Services accounts for a fee. Minimum investment is $50,000 for access to a team of advisors and $250,000 for access to a dedicated advisor. See the Fidelity Wealth Services Program Fundamentals for program details or speak with a Fidelity advisor.
2. The advisory fee does not cover charges resulting from trades effected with or through broker-dealers other than affiliates of FPWA, mark-ups or mark-downs by broker-dealers, transfer taxes, exchange fees, regulatory fees, odd-lot differentials, handling charges, electronic fund and wire transfer fees, or any other charges imposed by law or otherwise applicable to your account. You will also incur underlying expenses associated with the investment vehicles selected.
3. To be eligible for enhanced discretionary management and/or financial planning ("PWM Program Services"), Fidelity Private Wealth Management clients are subject to a qualification and acceptance process, and must typically invest at least $2 million, in the aggregate, in Program Accounts and have investable assets of at least $10 million.
There is no minimum amount required to open a Fidelity Go account. However, in order for us to invest your money according to the investment strategy you've chosen, your account balance must be at least $10. The money for all accounts with balances of less than $10 will be kept in short-term investments, with no advisory fee charged, until such time as your account balance reaches $10.
The Fidelity Go program advisory fee does not include the expenses of the underlying mutual funds held in your account; these are the standard expenses paid by all shareholders of those funds. To the extent some of these underlying fund expenses will be paid to us, that amount will be credited against the gross program advisory fee.
Fidelity Go® and Fidelity® Personalized Planning & Advice are advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Fidelity® Wealth Services is an advisory service offered by FPWA or Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank. Nondeposit investment products and trust services offered by FPTC and its affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. 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. FPWA, FPTC, FBS and NFS are Fidelity Investments companies. These advisory services are provided for a fee.
FPWA and Strategic Advisers also offer Fidelity® Personalized Planning & Advice at Work, which is available exclusively through workplace savings plans that have selected FPWA and Strategic Advisers to provide advisory services to eligible plan participants. References to Fidelity® Personalized Planning & Advice refer solely to the investment advisory program described herein, and not to Fidelity® Personalized Planning & Advice at Work.
The only additional expenses you pay associated with the mutual funds held in your Fidelity® Personalized Planning & Advice account will be for certain expenses of the Fidelity® Government Cash Reserves Fund.
The estimate of your Fidelity® Personalized Planning & Advice costs is based on the assumption that the following things will not change for one full year:
(i) the strategy in which your account is invested
(ii) the investments in the selected strategy
(iii) your account balance
(iv) the compensation paid to Fidelity based on the investments in your account
Please see your client agreement for additional information about how your net advisory fee is calculated.
Fidelity Go is a registered trademark of FMR LLC.
IMPORTANT: The projections or other information generated by the Planning & Guidance Center's Retirement Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917