Retirement & life planning

As the number 1 retirement provider according to two independent media surveys(1), we are uniquely positioned full-service solutions to support you and your clients through each life stage – deepening client relationships. Our offerings are designed to fit every client – individuals and businesses alike.

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Help your clients live life on their terms

We know client goals are evolving and differ across generations – and in fact, life stages and events are no longer linear. Access a vast selection of products and tools to help you create a personalized plan and put it in action for your clients.

Extensive selection of individual and small-business retirement solutions

From initial conversations and planning to execution—access tools and the product options needed to evolve with client goals and timelines.

Simplified charitable giving and wealth management

Understanding evolving goals and considerations as clients accumulate wealth is key to tax-savings and continued growth. Explore solutions in charitable giving, trusts and other wealth management strategies.

Go-to planning partner for all life’s stages

From HSA offerings to help your clients manage healthcare expenses for today and future needs, to paying for college and other major expenses, you’ll have a one-stop selection to support your clients.

#1 retirement provider
for small businesses¹
#1 defined benefit provider
in the US as measured by total participants under administration (5M)²
Ranked the best HSA
For savers and spenders by Morningstar for 6 years in a row³
  • 1. This statement is based on the results of two independent media surveys. Fidelity ranked first in DC assets under administration and participants as of September 30, 2022 in Pensions & Investments' 2023 annual Defined Contribution Record Keepers Survey; and first in total recordkeeping assets and participants as of December 31, 2022, in PLANSPONSOR's 2023 annual Defined Contribution Recordkeeping Survey.
  • 2. Plansponsor DB Survey-September 2025.
  • 3. Morningstar®, 2024 Health Savings Account Landscape as of 09/2024 - Previous years awarded: 09/2023, 09/2022, 09/2021, 09/2020, and 09/2019.

Support your clients through every phase of life with tailored solutions

Planning for Retirement
Planning for Retirement

Fidelity Retirement Planner4: A sophisticated tool to help you build and manage retirement income plans for your clients. Easily populate account data to assess their financial situation and deliver actionable, scalable plans that support meaningful conversations.

Planning Calculators: Easily access 10 interactive calculators that deliver on-screen results and generate downloadable PDFs—perfect for sharing with clients and supporting informed decision-making.

Annuities and insurance: Eligible clients can take advantage of a tax-deferred variable annuity, while those with clients in or near retirement can explore fixed income annuities to provide a steady stream of income in retirement.

Individual retirement solutions: Our range of individual retirement products includes traditional IRAs, Roth IRAs, rollover IRAs, and inherited IRAs.

Small-business retirement plan solutions: We also provide products and tools to help support company-sponsored plans: SIMPLE IRAs, SEP IRAs, 401(k) plans, plus the tools to digitally manage them.

Health savings account (HSA): A turnkey HSA solution offering full operational oversight, tax reporting, enforced contributions, an HSA debit card, and access to over 10,000 investment options. With health care being one of the largest expenses in retirement, HSAs provide a powerful way to save—offering triple tax advantages: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses.

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Retirement Hub: Gain enhanced visibility into your retirement business to drive informed action with Retirement Hub, a centralized location for next best actions related to client retirement accounts.
Wealth Management and Charitable Giving
Wealth Management and Charitable Giving

Trust services: Our Personal Trust Services5 program helps to ensure a seamless wealth transfer for your clients through integrated trustee services in WealthscapeSM.

Corporate executive services: We’re well equipped to help you provide your clients with corporate executive services, including:

  • Custody of and services for restricted stock, including trade execution, margin borrowing, and processing
  • Structured equity products for hedging and monetization of concentrated stock positions-donor-advised funds, for charitable giving

Charitable giving: The Fidelity Charitable®6 Giving Account® is a donor-advised fund that can help simplify your clients’ giving, offer tax advantages, and help them give more to the causes they care about. Fidelity Charitable® also provides services to advisors through their charitable planning consultants, expertise in donating non-cash assets, continuing education, and the Charitable Investment Advisor Program to take your financial guidance to the next level.
Planning for College
Planning for College

529 College savings plan: Easily open, fund, trade, and maintain your clients’ 529 plans in WealthscapeSM.

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Cash & lending

Go beyond banking to give your clients a smarter way to save, spend, and borrow money to reach their goals.

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Technology to grow faster, smarter, and further

Fidelity's technology solutions can help enhance your firm's efficiency while giving clients the support they need at every stage of the their wealth management journey.

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4. The Fidelity Retirement Income Evaluator tool is an educational tool developed by and offered for use by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company.

5. Fidelity Personal Trust Company, FSB (FPTC), is a federal savings bank and a Fidelity Investments company. Non-deposit investment products and trust services offered through FPTC and other affiliates of Fidelity Investments 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.

6. Fidelity Charitable is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo, Fidelity, and GivingCentral are registered service marks of FMR LLC, used by Fidelity Charitable under license. Giving Account is a registered service mark of the Trustees of Fidelity Charitable.

WealthscapeSM, an on-line brokerage portal offered by Fidelity Brokerage Services LLC ('FBS') and National Financial Services LLC ('NFS')

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