How we can work together

Planning can help you reach your goals, but it's also a way to feel more confident in the journey. We call that The Planning Effect. To help you create a plan and investment strategy on your terms, we offer a range of options.

Fidelity can choose and manage your investments or you can do it yourself. First, look below to decide how you'd like to work with us. Then you'll choose which type of account you want—for example, a rollover IRA, Roth IRA, traditional IRA, or brokerage account.

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Fidelity DIY

Planning

Access to planning tools and additional support

Clients with $250K or more at Fidelity may be eligible for access to a dedicated financial professional. Online chat and phone center support is available regardless of investment level.

Investing

You are responsible for choosing and managing your investments. You'll have access to a wide range of investment options including stocks, bonds, mutual funds, and ETFs.

Gross advisory fee

No account1 or advisory fees with this type of retail account. Depending on which investments you choose, there may be underlying fees.

General eligibility

No minimum to open an account1

Fidelity Go® 

Planning

Access to planning tools

Investing

We choose and manage your investments using your financial goals and risk tolerance.

Gross advisory fee

Under $10,000: $0

$10,000–$49,999: $3 per month

$50,000 and above: 0.35% per year

General eligibility

No minimum to open an account2

Fidelity® Personalized Planning & Advice

Planning

Access to planning tools + unlimited 1-on-1 financial coaching calls with Fidelity advisors

Investing

We choose and manage your investments using your financial goals and risk tolerance.

Gross advisory fee

0.50% per year

General eligibility

$25,000 managed through Personalized Planning & Advice3

Wealth Management

Through Fidelity® Wealth Services

Planning

Access to planning tools + a dedicated Fidelity advisor that will look at your full financial picture

Investing

We choose and manage your investments from a wide range of options, considering your risk tolerance and using tax-smart techniques4 to help meet your goals.

Gross advisory fee

0.50%–1.50%5, 6

General eligibility

$250,000 managed through Fidelity® Wealth Services for a dedicated advisor7

Private Wealth Management

Through Fidelity® Wealth Services or Fidelity® Strategic Disciplines

Planning

Access to planning tools + a dedicated Wealth Management Advisor and team of specialists who will lead you through comprehensive and complex wealth planning

Investing

We choose and manage your investments from a wide range of options, considering your risk tolerance and using tax-smart techniques4 to help meet your goals.

Gross advisory fee

0.20%–1.04%5, 6

General eligibility

$2 million managed with Fidelity® Wealth Services and/or Fidelity® Strategic Disciplines and $10 million total investable assets8

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Our planning tools can give you a glimpse into your future


As a Fidelity customer, you can use our Planning & Guidance Center to access a suite of simple, yet powerful tools to get a snapshot of where you stand—plus a personalized action plan for retirement or any of your other goals.


Our investment professionals are here to help with your planning, investing, or service-related questions.

Call us
800-343-3548