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.
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
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.
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Call us
800-343-3548 |
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
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.
No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.
Zero account minimums apply to retail brokerage accounts only. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Fidelity mutual funds that have a minimum investment requirement. See Fidelity.com/commissions and/or the fund's prospectus for details.
To be eligible for enhanced non-discretionary financial planning and support ("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 Fidelity® Wealth Services and/or Fidelity® Strategic Disciplines accounts and have investable assets of at least $10 million.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
