Investment and Retirement Products
With access to Fidelity's investment management and retirement enterprise and our expansive array of investment and retirement products and services, we can help our clients address the rapidly changing needs of today's sophisticated investor. See how Fidelity can help address your clients' needs for asset allocation and portfolio diversification with our broad spectrum of investment products.- Mutual Funds
- Mutual Funds
- Individual Securities
- Individual Securities
- Alternative Investments
- Alternative Investments
- Managed Products
- Managed Products
- Insurance
- Insurance
- Charitable Services
- Charitable Services
- Fidelity 529 Plans
- Fidelity 529 Plans
- Retirement
- Retirement
- Roth IRA 2010
- Roth IRA 2010
Mutual Funds
Fidelity is your direct connection to a vast universe of mutual funds. Choose from thousands of Fidelity and non-Fidelity class shares to help address your clients' precise needs and objectives.Fidelity Funds
Fidelity Advisor funds: Available to investors through investment professionals, this family of 90-plus funds provides your firm with pricing flexibility with A, B, C, I, and T shares. Fidelity Retail funds: A comprehensive family of more than 190 mutual funds. Our equity funds span the risk/reward spectrum in a variety of investment disciplines, styles, and market capitalizations. We offer a full selection of Treasury, government, corporate, high-yield, and municipal funds and one of the widest selections of international, industry-specific and sector portfolios. Investment Consulting Services team: Access to timely and accurate information is essential to your success. Through our Investment Consulting Services team, you'll have a direct line to information on Fidelity funds from our investment management organization, Fidelity Management & Research CompanyInstitutional FundsNetwork®
Access more than 14,000 share class alternatives from over 430 popular fund companies through Fidelity's Institutional FundsNetwork®. Efficiently manage an extensive selection of class shares and commission structures, including A, B, and C shares, as well as hundreds of no-load class shares. In addition, more than 4,200 class shares are available without a transaction fee payable to Fidelity. Institutional FundsNetwork eliminates the need to contact multiple fund families in order to place and reconcile trades. The platform also enables your firm to offer an investor-level, wrap-fee fund marketplace that can be private labeled and customized to incorporate fund offerings. To assist you in fund evaluation and selection, we provide a quarterly performance review compiled and distributed by Kanon Bloch Carre, an independent research firm specializing in mutual fund analysis. Institutional FundsNetwork events are also held throughout the country each year to provide our clients with direct access to portfolio managers and their investment insights. View the list of all funds available with the Institutional FundsNetwork (as of September 28, 2009).Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact Fidelity for a prospectus containing this information. Read it carefully. Kanon Bloch Carre is an independent company and is not affiliated with Fidelity Investments. Listing them does not suggest a recommendation or endorsement by Fidelity. No Transaction Fee Funds: Registered investment advisors have direct access to more than 5,900 fund choices from more than 425 fund families. More than 4,100 fund choices are available on a no-transaction fee (NTF) basis. NTF funds are offered through IFN. Other fees and expenses described in a fund's prospectus still apply. Funds in the NTF program pay a fee to Fidelity Brokerage Services LLC (FBS) or National Financial Services LLC (NFS) for shareholder services. FBS or NFS may receive annual compensation of up to 0.35% of the average daily net assets of the NTF funds in connection with your clients' brokerage account with respect to those shares. This compensation is paid by the mutual fund and/or its affiliate. FBS or NFS can engage other entities to provide certain services and may share with these entities all or a portion of the compensation it receives from the NTF funds. Fidelity reserves the right to charge a transaction fee under certain circumstances for funds otherwise available without paying such a fee to Fidelity. Fidelity reserves the right to change the funds available with no transaction fee and to institute a transaction fee on any fund. See the Commission Schedule for complete details.
Individual Securities
Our broad selection of equity products will give you and your clients a wide range of asset classes from which to choose. You can also strengthen your wealth management capabilities through direct access to our inventory of fixed income products, new issue and syndicate offerings originated through Fidelity Capital Markets Services and external resources.1Fixed Income Products
Our Web-based, fixed income platform, BondTraderPro®, offers access to over 15,000 fixed income and syndicate products and the dedicated service of experienced fixed-income trading specialists.New Issue and Syndicate Offerings
Enhance your wealth management offering by providing your clients with access to value-added products and services previously available only to institutional investors. We provide origination, underwriting and distribution services of publicly registered new-issue securities including equity, preferred, and structured products, as well as municipal and corporate bond offerings.2Structured Equity Products
Leverage the in-depth knowledge and experience of our professionals at Fidelity1 to help you create an appropriate strategy for your high-net-worth clients with concentrated holdings of a single stock that may or may not be classified as restricted.1 Subject to certain qualifications. 2 Services provided by Fidelity Capital Markets Services, a division of National Financial Services LLC, Member NYSE, SIPC
Alternative Investments
High-net-worth investors are increasingly turning to their advisors for holistic asset allocation that includes a diverse range of investments, including alternative investments. Fidelity has invested in both the technology and resources necessary to support a broad range of alternative investments. While alternatives may be complex, Fidelity provides solutions to help simplify the custody and administration of these assets. Our solutions are designed to stay in stride with the current market growth and to help satisfy our clients' needs.Custody Services
Our custody services for alternative investments combines Internet-based technology with our extensive experience with these assets to help you manage them as part of your clients' portfolios. We can work with you to custody your clients' alternative investments at one consolidated place. Subject to the asset's meeting certain eligibility requirements, our dedicated and knowledgeable alternative investments service team will facilitate the purchase, sale or transfer of an alternative investment and make the necessary contacts with the transfer agent or investment issuer. In addition, our reporting capabilities incorporate alternative investments into your clients' account statements, including the ability to report assets held away.1Alternative Investments Network®
With the Fidelity Alternative Investment Network®, gain access to registered alternative investment funds from well known third-party providers with no transaction fee.2 All are available through one consolidated platform and offered with no transaction cost. We also include these investments on your client brokerage statement-helping you to manage them more efficiently as part of your clients' overall portfolios.Fidelity Private Offerings ProgramSM
The Fidelity Private Offerings ProgramSM is a service available to qualified advisors3 that provides access to an array of exclusive alternative investments that may be of strategic value to qualified high-net-worth (HNW) clients. Because these private investments are not registered with the SEC, they tend to be highly speculative and illiquid. Therefore, securities regulations require that your clients meet certain criteria regarding assets, net worth, income, and other regulatory requirements before gaining access to these investments.
1 Information for assets not custodied by Fidelity Brokerage Services LLC ("Assets Held Away") is provided by the investment advisor or outside parties and is included for information purposes only. These positions are not part of the end-client's brokerage account carried by Fidelity Brokerage Services LLC and therefore, any SIPC account protection afforded to the end-client's account through Fidelity Brokerage Services LLC does not cover these assets. Fidelity Brokerage Services LLC is not responsible for the information provided and does not guarantee the accuracy or timeliness of the assets or prices reported.
2 Fidelity reserves the right to change the funds available without transaction fees and reinstate the fees on any funds. Fidelity will charge a short-term trading fee each time you sell or exchange shares of FundsNetwork® No Transaction Fee (NTF) funds held less than 60 days (short-term trade) with certain exceptions. If these funds are held for more than 60 days, they may be sold without a short-term trading fee. Fidelity funds, money market funds, funds redeemed through a systematic withdrawal program, shares purchased through a periodic purchase program, and shares purchased through dividend reinvestment may be sold without this fee. Fidelity Investments reserves the right to exempt certain funds (including funds that allow short-term trading) or accounts from this fee.
The fee will be based on the following fee schedule:
0.50% of the principal amount of the transaction
Maximum: $200
Minimum: $30
Please be aware that certain FundsNetwork funds may be subject to separate and additional redemption fees imposed by the particular fund. Please remember to inform your customers regarding these fees and commissions. Please refer to that fund's current prospectus for details. Fidelity Brokerage Services LLC, or its brokerage affiliate, may receive remuneration for providing certain recordkeeping or shareholder services to these fund families
3 To qualify for the Fidelity Private Offerings ProgramSM, an advisor must have at least $25 million in assets custodied with Fidelity Institutional Wealth Services, and a minimum of one investor that is a U.S. resident and who qualify's as an Accredited Investor, Qualified Purchaser, and/or Qualified Client as defined by federal securities laws.
There are risks associated with investment products offered through the Fidelity Private offerings Program, which may not be appropriate for every investor. As with all your investments, you must make your own investment determination of whether an investment in any offering is consistent with your client's investment objectives and risk tolerance. Fidelity is not recommending or endorsing any offering by making available to its clients the opportunity to participate.
A client must be a resident who qualifies as an Accredited Investor, a Qualified Purchaser, and/or a Qualified Client as defined by federal securities regulations.
Managed Products
Many high-net-worth clients expect you to manage their portfolios with a great degree of customization, in response to this need managed products have become an increasingly popular and important investment vehicle for wealth managers. Fidelity Managed Account Resources® offers three distinct approaches to access managed account products in a way that may be most appropriate for your practice: Fidelity Separate Account Network,® Manager Resource Network, and Manager Resource Wrap.Separate Account Network®
Separate Account Network® can offer you the flexibility in developing a managed account solution for your client, supplying access to more than 350 separate account managers1 offering more than 1000 investment disciplines2. It gives you the freedom to negotiate fees and account minimums directly with separate account managers, and it's designed for advisors who perform their own due diligence.Manager Resource Network®
Manager Resource Network allows you to maintain control over the investment selection process, providing access to more than 180 managers collectively, offering more than 500 disciplines at pre-negotiated fees and minimums2. This offering is designed for advisors who perform their own due diligence while delegating selected responsibilities to a thirdparty.Manager Resource Wrap
Manager Resource Wrap allows you to delegate performance reporting, fee billing, and asset allocation to a third-party. It's designed for advisors who want to outsource investment product selection, such as separate account managers and mutual funds.1 All separate account managers participating in the Separate Account Network® are independent firms and are not affiliated with Fidelity Investments. Listing them does not suggest a recommendation or endorsement by Fidelity Investments. 2 As of July 31, 2008. Fidelity Managed Account Resources is provided by Envestnet Asset Management, Inc. ("Envestnet"), a third-party provider of investment management services. Fidelity does not provide investment advisory services in connection with these services. Envestnet is not a corporate affiliate of Fidelity.
Insurance1
Fidelity's comprehensive insurance offering can provide solutions to help your clients protect themselves from unforeseen market or life events. Our specialists at Fidelity Insurance Agency, Inc., are available to work with you to develop financial protection strategies that may help minimize your client's exposure to financial and other risks.Fidelity Investments Life Insurance Company®2
Enable your clients to protect the plans they've made and prepare for the unexpected. Our selection of insurance products includes Term Life Insurance, which protects your clients for a specified period of time; and Long-Term Care Insurance3, which helps cover at-home and facility-based care.1 Fidelity refers to Fidelity Insurance Agency, Inc. 2 In New York, Empire Fidelity Investments Life Insurance Company®, New York, New York. Annuities and life insurance policies are issued by Fidelity Investments Life Insurance Company and in NY, by Empire Fidelity Investments Life Insurance Company®, New York, NY. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. Some insurance products are issued by third-party insurance carriers which are not affiliated with any Fidelity Investments company and are distributed by Fidelity Insurance Agency, Inc. The contract's financial guarantees are solely the responsibility of the issuing insurance company. 3 Long-term care insurance is issued by Genworth Financial and is distributed by Fidelity Insurance Agency, Inc. Investment returns and principal value of a variable life insurance policy is not guaranteed and will fluctuate daily. Loss of money is a risk of investing in the policy. Before investing, consider the investment objectives, risks, charges and expenses of the life insurance policy and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus containing this information. Read it carefully. Life insurance policies are issued by Fidelity Investments Life Insurance Company and in NY, by Empire Fidelity Investments Life Insurance Company®, New York, NY. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors. Some insurance products are issued by third-party insurance carriers which are not affiliated with any Fidelity Investments company and are distributed by Fidelity Insurance Agency, Inc. The contract's financial guarantees are solely the responsibility of the issuing insurance company.
Charitable Services
Fidelity's philanthropic advisory services may be ideally suited for clients with sophisticated wealth management needs. By assuming the administrative burdens, Fidelity Private Foundation Services® allows clients to devote more time to managing their private foundations. The Fidelity Charitable Gift FundSM can afford your clients favorable tax treatment while offering them the flexibility to recommend grants to their favorite charities on their own timeline.Fidelity Private Foundation Services®
Fidelity Private Foundation Services®1 provides your clients with an easy and more flexible way to effectively manage their private foundations by alleviating the administrative burdens usually associated with these vehicles.Fidelity Charitable Gift Fund
The Fidelity Charitable Gift FundSM2 is an independent public charity with a donor-advised fund program, which can afford your clients favorable tax treatment while offering them the flexibility to recommend grants to their favorite charities on their own timeline. Donors' contributions can be allocated to one or a combination of investment programs.1 Fidelity Private Foundation Services offers clients an easy and flexible way to establish and manage a private foundation. Various Fidelity companies provide administrative services to Fidelity Private Foundation Services. Brokerage services, including the Fidelity Account, are provided by Fidelity Brokerage Services LLC, Member NYSE, SIPC. Tax preparation services provided by an independent certified public accountant firm under agreement with Fidelity Private Foundation Services. Fidelity, Fidelity Investments and the Pyramid logo and Fidelity Private Foundation Services are registered service marks of FMR Corp. 2 The Fidelity Charitable Gift Fund ("Gift Fund") is an independent public charity with a donor-advised fund program. Various Fidelity companies provide nondiscretionary investment management and administrative services to the Gift Fund. "Charitable Gift Fund" and the Charitable Gift Fund logo are service marks and Giving Account is a registered service mark of The Trustees of the Fidelity Investments Charitable Gift Fund. Fidelity is a service mark of FMR Corp. used by the Gift Fund under license. Fidelity Investments is a service mark of FMR Corp. The estate planning and tax information herein is general in nature and should not be considered legal or tax advice. An attorney or tax professional should be consulted regarding any specific legal or tax situation.
Fidelity 529 Plans
Provide your clients with information about successful college planning. A Fidelity Investments managed 529 plan can offer convenience, tax advantages, and flexibility. It's a more simple way to invest for college and our plans are available to residents of all states.529
A Fidelity Investments managed 529 plan an easy and convenient way to invest for college, offering convenience, tax advantages, and flexibility. Fidelity Investments manages the UNIQUE College Investing PlanSM for the state of New Hampshire, the U.Fund College Investing PlanSM for Massachusetts, the Delaware College Investment PlanSM for Delaware, the Fidelity Arizona College Savings Plan for Arizona, and The ScholarShare® College Savings Plan for California. Residents of any state can invest in any plan.11 The UNIQUE College Investing Plan, the U.Fund College Investing Plan, the Delaware College Investment Plan, the Arizona College Savings Plan, and ScholarShare College Savings Plan are offered by the state of New Hampshire, the Massachusetts Educational Financing Authority, and the state of Delaware, the Arizona Commission for Postsecondary Education, and the ScholarShare Investment Board (an agency of the state of California), respectively, and managed by Fidelity Investments. If you are not a New Hampshire, Massachusetts, Delaware, Arizona, or California resident, you may want to investigate whether your state offers its residents a plan with alternate tax advantages. Units of the portfolios are municipal securities and may be subject to market volatility and fluctuation.
RetirementFidelity can provide you with the resources you need to help you expand your retirement business. We offer access to a broad range of products, services, and sales ideas to help you provide your clients with retirement income strategies that can help preserve more of their wealth.Fidelity Retirement Income ServicesFidelity's Retirement Income Services resources can help you educate your clients on the importance of a lifetime income plan, as well as identify potential strategies to help address your clients' retirement income needs.Individual Retirement ProductsFidelity's Premiere Select® offering provides you with access to an array of individual retirement solutions, including:
Small Business Retirement ProductsWith the Fidelity SIMPLE-IRA, Fidelity Retirement (Self-Employed 401(k)), or Premiere Select® SEP-IRA plans, you can offer your small-business clients cost-effective solutions that can help them save for retirement while providing attractive tax advantages.Self-Directed BrokerageFidelity Investments self-directed brokerage account, BrokerageFlex®, lets you offer plan sponsors an additional investment account option for their plan participants. BrokerageFlex is intended for experienced, sophisticated investors who want the flexibility to design their own portfolios of individual stocks, bonds, mutual funds, and other securities.Annuity ProductsAnnuities can be increasingly important revenue-generating products for your firm. To help increase your assets under management, Fidelity Investments Life Insurance Company,1 our affiliate, offers three competitive variable annuity products:
Company-Issued StockOffer plan sponsors the opportunity to provide their employees with the option of purchasing company-issued stock through their qualified retirement plan. Through the support services of Fidelity, you can now handle these company stock transactions for your plan sponsor clients and their employees.In New York, Personal Retirement Annuity, Freedom Lifetime Income, and Income Advantage. Before purchasing an annuity, you should carefully consider its investment options' objectives, and all the risks, charges and expenses associated with the annuity and its investment options. For this and other information, call Fidelity at 800-910-7899 or visit www.fidelity.com for a free prospectus. Read it carefully before you invest. Principal value, income payments and investment returns of a variable annuity will fluctuate, and you may have a gain or loss when money is withdrawn or received. Taxable amounts withdrawn form an annuity prior to age 59 ½ may be subject to a 10% IRS penalty. 1 For New York residents, Empire Fidelity Investments Life Insurance Company®, New York, New York. 2 According to Morningstar/VARDS®, the Fidelity Personal Retirement Annuity's annual annuity charge of 0.25% is among the lowest 1% in the industry of non-group open variable annuity contracts. As of 12/31/2006. Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.), Fidelity Freedom Lifetime Income (Policy Form Nos. FFLI-Q-2005, et al. and FFLI-NQ-2005, et al.), and Fidelity Income Advantage (Policy Form Nos. FVIA-92100, et al. and FVIA-99100, et al.), are issued by Fidelity Investments Life Insurance Company. For NY residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.), Freedom Lifetime Income (Policy Form Nos. EFLI-Q-2005, et al. and EFLI-NQ-2005, et al.), and Income Advantage (Policy Form Nos. EFVIA-92100, et al. and EFVIA-99100, et al.) are issued by Empire Fidelity Investments Life Insurance Company,® New York, New York. Fidelity Brokerage Services (Member NYSE, SIPC) and Fidelity Insurance Agency, Inc. are the distributors. For Registered Investment Advisor use only. Not for distribution to the public as sales material in oral or written form. This information is general in nature and should not be considered legal advice. Laws of a particular state or a particular situation may affect this information. Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact Fidelity for a prospectus containing this information. Read it carefully. |
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"(With) more than $1 trillion in tax-deferred IRAs and defined contribution plan1 assets... wealthy people will be inundated with opportunities to convert... The advisers who get to their clients and prospects first can position themselves as experts, and will gain a competitive advantage".2
—Investment News, September 2009 Be the resource your clients need with our comprehensive Roth 2010 Conversion Program.
The Situation
Roth 2010 Conversion can provide an exceptional opportunity for advisors to meet with their clients. Because such important changes are happening in 2010, advisors need to take steps now to understand the rule change and how to advise their clients.The Solution
Take advantage of Fidelity’s retirement leadership to develop the expertise on Roth– helping to drive new business and solidifying current relationships.- Fidelity's proprietary Conversion Tool makes it easier for advisors to make recommendations
- One-on-one help is available from Fidelity professionals
- Our new Practice Management alliance with Advisors Trust Advisor, a division of The Collaborative* offers additional fee-based support—including prepared letters, checklists, and materials for educating clients
- What does Roth 2010 mean for my future contributions?
- What are the advantages of converting now rather than later?
- What's my tax liability if I wait to convert?
- If I'm concerned about my legacy, should I be concerned with Roth?
- How do I know if – or how much – I should convert?
1 Be sure to keep in mind that your clients who participate in workplace savings plans will need to meet a plan distribution event in order to be able to convert assets from the plan.
2 Beverly R. Flaxington, Using Roth IRAs to Build Your Business, Investment News, 9/6/09
* Third parties are independent entities and are not affiliated with Fidelity Investments.
For Investment Professional Use Only. Not for distribution to the general public.
Clearing, custody or other brokerage services may be provided by National Financial Services LLC, or Fidelity Brokerage Services LLC, Members NYSE, SIPC.
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