Fidelity Investments

Secure your financial future with flexible annuity options for retirement income.

Provides affordable coverage options for financial protection during a specific term.

Optimize your healthcare spending with a tax-advantaged Health Savings Account.

Invest in professionally managed mutual funds for diverse portfolios.

Diversify your portfolio with flexible, low-cost ETFs that offer real-time trading.

Customize Your Investments With Tax Efficiency.

Tax-advantaged savings for education expenses.

Access diverse fixed income options to enhance your investment portfolio and secure steady income.

Get personalized financial strategies to manage your wealth effectively.

Simplify investing with automated management and advisor support for personalized financial assistance.

Enjoy professional management and personalized investment strategies.

Education Funding Families

Families saving for education with tax-advantaged accounts.

Geography: North America

How we help: Holistic education funding and investment options designed to maximize tax benefits and simplify saving for families planning to fund college.

Retirees And Near Retirees

Individuals planning retirement income with risk-managed strategies.

Geography: North America

How we help: Integrated retirement income solutions balancing guaranteed income, capital preservation, and tax efficiency for retirees and near-retirees.

Wealthy Investors Seeking Tax-Efficient Growth

Affluent investors seeking tax-efficient, customized portfolios.

Geography: North America

How we help: Tax-aware, bespoke investing and wealth management to optimize after-tax returns for affluent clients with coordinated multi-account strategies.

Everyday Investors Seeking Guided Investing

Retail investors seeking diversified, low-cost, guided investing.

Geography: North America

How we help: Accessible, low-cost investing with guided support and educational resources to help everyday investors build wealth.

Products focused on providing predictable or tax-deferred retirement income, longevity protection, and capital preservation for retirees and pre-retirees.

Products: Annuities, Fixed Income, Bonds & CDs

Core portfolio construction products that deliver passive and active market exposure, diversification, and tax-efficient index-based strategies.

Products: ETFs, Mutual Funds, Direct Indexing

Personalized financial planning, ongoing portfolio oversight, and hybrid automated-plus-human advice for wealth accumulation and goal-based investing.

Products: Wealth Management, Managed Accounts, Robo Investing Plus Advice

Accounts designed to deliver tax benefits for specific savings goals such as education and healthcare.

Products: 529 College Savings, Health Savings Accounts

Term life insurance products that provide affordable, time-bound death benefit protection with convertible and rider options.

Products: Term Life Insurance

Annuities

Fidelity's annuities provide retirement income solutions with a variety of payout options to fit long-term planning and wealth preservation.

• Guarantee Income for Life
  Ensure financial security during retirement by opting for payment structures that provide a steady income stream for as long as you live.
• Choose Your Payment Terms
  Tailor your retirement income strategy by selecting from a range of payout structures to meet your individual needs.
• Grow Your Savings Tax-Free
  With annuity contracts, your earnings accumulate without immediate tax implications, enhancing your long-term investment potential.
• Tailor Your Investments
  Customize your annuity to align with your risk tolerance and financial goals, benefiting from a variety of investment options.
• Provide for Your Beneficiaries
  Safeguard your loved ones by guaranteeing a financial benefit from your annuity in the case of untimely death.

Term Life Insurance

Term life insurance product offering affordable coverage for a specified term, with optional riders and conversion features.

• Focus on Budget-Friendly Options
  Get the protection you need without straining your financials.
• Select Desired Coverage Duration
  Opt for the term length that best matches your financial responsibilities and goals.
• Easily Switch to Permanent Coverage
  Provides flexibility to adjust your coverage as your life circumstances change.
• Activate Coverage Without Delay
  Get instant peace of mind knowing your loved ones are protected from day one.
• Customize Your Coverage
  Tailor your policy to fit your unique needs and circumstances.

Health Savings Accounts

Health savings account (HSA) enabling tax-advantaged saving for medical expenses with integrated tools.

• Reduce Your Taxable Income
  Lowering your taxable income through HSA contributions offers significant savings, enhancing your overall financial wellness.
• Easily Save and Invest
  Grow your savings through investments and make direct payments for medical expenses, simplifying your budgeting process.
• Grow Your Savings Over Time
  The ability to roll over unspent funds empowers you to plan for long-term health costs, enhancing financial security.
• Utilize Comprehensive Resources
  Accessing integrated tools helps you efficiently manage and plan your healthcare spending, ensuring informed financial decisions.

Mutual Funds

Mutual funds offering professionally managed, diversified portfolios across asset classes.

• Access to Expertise
  Investment professionals analyze market trends and adjust portfolios to optimize returns.
• Reduces Investment Risk
  By investing in a mix of assets, mutual funds help mitigate the risks associated with individual stocks or bonds.
• Easy Transactions
  Shares can be sold at the end of any trading day, providing liquidity that is advantageous for investors.
• Lower Minimum Investment
  This allows a wider range of investors to participate and build a diversified portfolio.
• Diverse Fund Options
  Options include equity funds, bond funds, and balanced funds, catering to various risk appetites and objectives.

ETFs

Exchange-traded funds offering diversified investments that trade on exchanges with intraday liquidity.

• Trade Anytime During Market Hours
  Enjoy the flexibility of buying or selling ETFs at any point during market hours, similar to stocks.
• Minimize Investment Costs
  Lower costs mean more of your money stays invested, potentially enhancing long-term returns.
• Access to Broad Market Segments
  Invest in a diverse range of securities without purchasing each individually, reducing risk exposure.
• Minimize Capital Gains Taxes
  Efficient trading mechanisms in ETFs often lead to fewer taxable events.
• Start Investing with Low Capital
  Begin investing in diversified portfolios with relatively small amounts of money.

Direct Indexing

Direct indexing allows investors to create a customized portfolio by replicating an index while providing tax benefits through tax-loss harvesting and tax-efficient stock selection.

• Offset Taxes With Losses
  This feature allows investors to sell securities at a loss to offset capital gains, ultimately lowering tax liabilities.
• Tailor Your Portfolio
  Investors can select specific stocks rather than traditional ETFs, allowing for a more personalized investment strategy.
• Replicate Market Indices
  Investors can achieve desired market exposure with the flexibility to modify their portfolios as needed.
• Implement Unique Strategies
  Finance professionals can devise and execute tailored strategies that align with investor goals, all while maintaining tax efficiency.
• Reduce Investment Costs
  Direct indexing can save investors money in management fees compared to typical actively managed funds, paving the way for better returns.

529 College Savings

529 college savings plans that help families save for education with potential tax advantages.

• Maximize Growth With Tax Benefits
  Invest your contributions to allow them to grow without being diminished by tax liabilities, optimizing your savings potential.
• Cover All Essential Costs
  Ensure that your savings can fully support a diverse range of educational costs, making higher education more accessible.
• Contribute As You Prefer
  Adapt your contributions based on your financial situation or educational goals, providing control over your savings.
• Select Investments That Suit You
  Personalize your investment approach to align with your financial goals and comfort level, enhancing potential growth.
• Manage Your Account Easily
  Utilize technology for convenient monitoring and adjustments to your savings plan, simplifying the management of your account.

Fixed Income, Bonds & CDs

Fixed income products including bonds and certificates of deposit designed to generate income and preserve capital.

• Generate Steady Income
  With fixed income investments, clients can enjoy reliable income streams from regular interest payments while mitigating risks associated with market volatility.
• Discover Various Investment Options
  Investors can explore a diverse range of fixed income options, helping them optimize their portfolios according to risk tolerance and income needs.
• Safeguard Your Investments
  Investing in fixed income products can help protect capital by providing a stable alternative to more volatile asset classes like stocks.
• Enjoy Tax-Exempt Income
  Investors can benefit from the tax advantages of municipal bonds, potentially resulting in higher after-tax returns for their portfolio.
• Access Expert Research
  Stay informed on market trends and economic factors with Fidelity's extensive research resources supporting fixed income investment strategies.

Wealth Management

Wealth management services providing tailored planning, investment management, and advice, aimed at helping clients achieve their financial goals through personalized strategies.

• Receive Tailored Advice
  Engage in a deep-dive assessment to align financial strategies with personal goals, including retirement, education funding, and legacy planning.
• Optimize Your Portfolio
  Leverage professional investment strategies to maximize portfolio performance while managing risks based on market conditions and client objectives.
• Access Expert Guidance
  Build a solid financial foundation through collaboration with experienced advisors who provide insights and guide investment decisions.
• Manage Wealth Holistically
  Receive comprehensive support that intertwines various aspects of wealth management, ensuring all areas align with your financial goals.
• Regular Strategy Adjustments
  Beneficial analysis and tweaking of investment strategies as client needs evolve and market landscapes shift.
• Maximize After-Tax Returns
  Utilize tailored tactics to enhance investment efficiency while mitigating tax implications.

Robo Investing Plus Advice

Robo investing plus advice combines automated portfolio management with optional human advisor support.

• Manage Investments Automatically
  The program automatically adjusts the portfolio to ensure it aligns with your financial goals, minimizing the need for constant monitoring.
• Align Investments With Goals
  This feature allows users to set and prioritize their financial objectives, ensuring that investment strategies reflect their unique financial aspirations.
• Consult With Advisors As Needed
  Clients can connect with a human advisor for personalized guidance, leveraging the technology with the benefit of expert insights.
• Invest Without High Fees
  This service provides a cost-effective approach to investment management, making sophisticated financial services more accessible.

Managed Accounts

Managed accounts provide professional money management and ongoing account oversight.

• Ensures Active Management
  Managed accounts provide continuous monitoring, allowing for dynamic investment adjustments in response to personal changes or market fluctuations, ensuring that investment strategies align with client goals.
• Leverages Expert Insights
  With professional oversight, clients benefit from the expertise of seasoned financial managers dedicated to optimizing portfolio performance and aligning investments with individual objectives.
• Enhances Investment Decision-Making
  This feature allows clients to utilize technology for automated portfolio management while still receiving bespoke financial advice, balancing efficiency with personalized guidance.