Plan Your Retirement | Fidelity Investments

Is a comfortable retirement truly within reach? Absolutely. With the right planning and tools, financial security in your later years isn't a dream, it's an achievable goal.

Navigating the complexities of retirement planning can feel daunting, but Fidelity offers a comprehensive suite of services designed to simplify the process and empower you to take control of your financial future. From personalized plans to cutting-edge investment tools, Fidelity provides the resources you need to confidently prepare for retirement, no matter your current life stage.

Company Name:	Fidelity Investments Inc.
Founded:	1946
Headquarters:	Boston, Massachusetts, United States
Services:	Retirement plans, Investment management, Brokerage services, Financial planning, Wealth management
Website:	www.fidelity.com

Fidelitys approach to retirement planning starts with understanding your individual needs. Whether you're just beginning your career, approaching retirement age, or already enjoying your golden years, Fidelity offers tailored guidance to help you maximize your savings and create a sustainable income stream. They provide personalized plans, tips, and insights that address your specific circumstances, ensuring you have a roadmap to a secure retirement.

• Richard Daddario Attorney Father More

Managing your retirement savings is crucial. Fidelity offers easy online access to your accounts, allowing you to monitor your investments, adjust your contributions, and access important documents like tax forms. Tools like the RMD (Required Minimum Distribution) calculator help you stay on top of IRS regulations and avoid penalties. Fidelity understands the importance of staying informed and provides educational resources and tools for every stage of your retirement journey.

Planning for retirement requires more than just saving money. It's about envisioning the life you want to live and creating a plan to achieve it. Fidelity helps you consider various factors, from lifestyle expenses to healthcare costs, to ensure your retirement savings adequately support your desired level of comfort and financial security. This holistic approach, combined with their expert guidance, empowers you to take control of your future.

A key component of Fidelitys services is their focus on retirement income planning. They can help you estimate your retirement needs, review your current savings, and develop a personalized strategy to bridge any gaps. This comprehensive planning process ensures youre not just saving for retirement but also planning for a secure and fulfilling retirement lifestyle. Their expert advisors are available to provide personalized guidance and support every step of the way.

• Kanye Wests Grammy Wins Nominations A Legacy

Fidelity offers a wide array of investment products, including mutual funds, ETFs, fixed income bonds, and CDs. Before investing, youre encouraged to carefully consider the fund's investment objectives, risks, charges, and expenses. A prospectus or summary prospectus, available directly from Fidelity, provides essential details to help you make informed investment decisions aligned with your risk tolerance and financial goals. They offer tools and resources to help you understand these complex investment options.

Fidelity recognizes the importance of accessibility and provides multiple channels for customer support. Whether you prefer to connect by phone, utilize their virtual assistant for quick answers, or share your screen with a representative for personalized assistance, Fidelity ensures you have access to the support you need. This dedication to customer service ensures you're never alone on your retirement journey.

Fidelity also highlights the value of various retirement savings accounts, such as 401(k)s, 403(b)s, and IRAs. They encourage maximizing contributions to these tax-advantaged accounts to accelerate savings growth. For those with high-deductible health plans (HDHPs), Fidelity recommends considering Health Savings Accounts (HSAs), which offer a triple tax advantage for qualified medical expenses, both now and in retirement. These strategies can significantly impact your long-term financial well-being.

When you're ready to retire, Fidelity guides you through the often-complex process of transitioning from employment to retirement. From understanding your employer's retirement plan options to navigating Social Security benefits, Fidelitys resources and expert guidance ensure a smooth and stress-free transition. They also provide information on important considerations such as documenting work processes and training replacements, allowing for a seamless handover of responsibilities.

For those seeking personalized financial guidance, Fidelity connects you with experienced advisors who take the time to understand your individual circumstances, values, risk tolerance, and long-term goals. This personalized approach ensures your retirement plan aligns perfectly with your vision for the future. Fidelity advisors provide expert support and guidance, helping you navigate the intricacies of retirement planning with confidence.

Fidelity NetBenefits provides a convenient platform to manage your workplace benefits, including 401(k)s, stock options, HSAs, and health insurance. This centralized access simplifies benefit management, allowing you to stay organized and informed about your financial resources.

Saving consistently and investing wisely are critical for retirement success. Fidelity recommends saving 15% of your income annually, including employer matching contributions. They also offer age-based savings targets as benchmarks: 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. These guidelines, while not one-size-fits-all, offer valuable benchmarks for planning your financial future. Factors influencing your personal savings goal include your planned retirement age and desired lifestyle.

Fidelity's Freedom Funds are target-date funds designed to simplify investing. The year in each fund's name represents the anticipated retirement year. This straightforward approach allows investors to choose a fund aligned with their retirement timeline.

Finally, Fidelity emphasizes the importance of understanding IRA withdrawal rules. They offer guidance on how age and other factors influence the IRS treatment of withdrawals, including hardship withdrawals for specific financial needs. This knowledge empowers you to make informed decisions about accessing your retirement savings.