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Portfolio Advisory Services ®

Investing toward a

goal can be stressful,
time-consuming work

And the more important the goal, the harder it

can be to go it alone – especially if you're investing for
retirement, income during retirement, tax management1
or to leave a legacy.

1Tax management investment solutions are available through Fidelity® Personalized Portfolios.
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It takes specific knowledge

And investing on your own means having to:

Adjust your strategy as your
life, needs and goals change

Select the right investments

Manage investments
with taxes in mind

Make sure your
investments are helping
you reach your goal

Analyze your investments
on a regular basis

Monitor global
markets

It takes vision

People are living longer and often retiring sooner
2
you may have to manage your money longer than you thought

Retirement needs are growing

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2 The Employee Benefit Research Institute, 2014 Retirement Confidence Survey.
Source: Centers for Disease Control and Prevention — National Center for Health Statistics, U.S. Census, Bureau of Labor Statistics and Gallup, as of June 2015.

It takes discipline

If you started with $250,000, jumping in and out of the market
due to temporary volatility could cost you more than $1 million over 20 years3

Market Volatility

volatility-chart
Past performance is not guarantee of future results. Asset allocation does not ensure a profit or guarantee against loss.
3 Source: Fidelity Investments, 2016. Hypothetical comparison of staying in the market versus going in and out of the market over 20 years. Based on $250,000 portfolio that entered the market on 1/1/1985 with a Balanced Asset Allocation (comprised equally of stocks and bonds) and exits the market at the end of each down year (as defined below) and then reenters the market one year later. A “down year” is defined as any rolling 12-month period in which the cumulative portfolio returns for that period were negative. “Exiting the market” is defined as shifting the portfolio to entirely short-term investments on the first trading day of the calendar month after a down year. “Entering the market” is defined as investing the entire value of the portfolio in the Balanced Asset Allocation prior to market open on the first trading day of the calendar month exactly 12 months after the portfolio exited the market.
Source: Bloomberg, as of 12/31/2015. The S&P 500® Index is a market capitalization–weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation. The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity Distributors Corporation and its affiliates. S&P is a registered service mark of Standard & Poor’s Financial Services LLC. The index performance includes the reinvestment of dividends and interest income. An investment cannot be made in an index. Securities indices are not subject to fees and expenses typically associated with managed accounts or investment funds.

With Portfolio Advisory Services, you can hand-off the hard work

With a team of professionals dedicated to helping your reach the goals that matter most

We plan

Tell us your needs and preferences,and we propose a strategy of stocks, bonds and short-term investments to help you reach your goal.

Manage

Our team handles the ongoing work of managing your money, and makes adjustments as your life, needs or the markets change.

And Support

We're here to guide you through volatile markets and the financial challenges life throws your way.

Access to the knowledge

and experience of Fidelity

Strategic Advisers, Inc., a registered investment adviser and Fidelity
Investments company, manages your investments on your behalf. 


You will have:

  • Over a hundred analysts, strategists and portfolio managers dedicated to putting your needs first.
  • A strategy of investments from Fidelity and other companies that we recommend and manage based on your time horizon, risk tolerance and overall financial situation.
  • A long-term, disciplined approach that's helped investors weather volatile markets for generations.

How we invest

Update your strategy

As your life, needs,
time horizon and even
your goals change.

Research

To identify new opportunities
to help you reach your goal.

Select investments

That align with your strategy,
risk tolerance and goals.

Monitor markets

To help manage risk and stay
disciplined through volatility.

Rebalance

To manage your exposure
to risk and stay in line with
your goals.

Manage for taxes4

To help you keep more
of what you earn.

4 Tax management investment solutions are available through Fidelity® Personalized Diversification.
Diversification and asset allocation do not ensure a profit or guarantee against loss. Diversification and asset allocation do not ensure a profit or guarantee against loss.

Ongoing support to help you reach your goal

A team to guide you
  • We meet with you annually to make
    sure we're working well together.
  • We answer all your questions and
    stay disciplined through volatile
    markets.
Insights from our investment professionals
  • Quarterly reports describe how we're managing your money.
  • Exclusive market insights share what our portfolio managers are thinking.
A view into your progress
  • A personalized site shows your
    progress to goal.
  • Trade explanations keep you
    informed of all investment activity.
Access and control
  • Withdraw funds or increase your contribution amount at any time.
  • Tell us if your risk tolerance or needs change, and as appropriate, we'll adapt your strategy.

Reach out to us as much or as little as you like, however you like.

One affordable fee
for professional money management

Your annual advisory fee covers the ongoing management of your assets - including investment selection and allocation, trading costs and commissions -as well as personalized service and timely communications so you're always aware of what's happening with your investments.

Our power in the market place helps keep your costs down:

There are no transaction costs—

for the investments held in your account.

There is no separate bill—

fees are deducted from your account quarterly

You can cancel at any time—

without penalty

Comparing investment solutions

Features
Individual Securities5
Percentage ownership in a particular company
Mutual Funds
An investment fund that pools money from many investors to purchase securities such as stocks and bonds.
Portfolio Advisory Services®
A suite of managed, portfolios that may contain individual securities6 and mutual funds
Performance tied to individual company checked-box
Access to professional money management checked-box checked-box
Diversification of investments checked-box checked-box
Trades made by investment firm checked-box checked-box
Ongoing rebalancing to maintain your proposed asset allocation checked-box
Regular monitoring to help manage risk and maintain discipline checked-box
Annual strategic review to ensure alignment with your investing goals checked-box
Account-based advisory fees checked-box
5 Refers to an individual security owned outside of a managed account.
6 Refers to an individual security owned as part of Fidelity® Personalized Portfolios.
7 Tax Management investment solutions are available through Fidelity® Personalized Portfolios.

Next steps

Whether you're investing for retirement, income during retirement, tax management7 or to leave a legacy, if you're ready to hand-off the work and stress of investing, we're ready to help.



Next, we:

  • Review your goals in detail—

    and how we can help you reach them.

  • Propose an investment strategy—

    that’s right for you.

  • Show you how to open and fund your account.

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Keep in mind investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.

Diversification and asset allocation do not ensure a profit or guarantee against loss.

The S&P 500 index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industry group representation to represent U.S. equity performance.

Fidelity Portfolio Advisory Service® is a service provided by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity® Personalized Portfolios may be offered through Strategic Advisers, Inc., or Fidelity Personal Trust Company, FSB (FPTC), a federal savings bank. Nondeposit investment products and trust services offered through FPTC and its affiliates 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. These advisory services are provided for a fee.

Brokerage services are provided by Fidelity Brokerage Services LLC. Custody and other services are provided by National Financial Services LLC. Both are Fidelity Investments companies and members of NYSE and SIPC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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