Consolidate your retirement plans.


If you’ve left money behind in old workplace savings plans or opened up multiple IRAs, now’s a good time to consider consolidating them and benefit from:

  • One view of your retirement resources
  • Greater access to Fidelity’s money management expertise
  • Easier account management

Here are two ways to consolidate your accounts without interrupting your tax-deferred savings.
1. Roll your savings into your Fidelity workplace plan and benefit from:

  • One account and statement for your retirement savings
  • A set of investment choices pre-screened by your employer
  • Plan fees negotiated by your employer
  • Ability to take loans
  • Professional management through Portfolio Advisory Services at Work (availability may vary depending on your plan.)
  • Federal bankruptcy protection from creditors
  • An opportunity to defer required distributions if over 70½ and still working


A few exceptions to consider

If your current plan offers some specific advantages, like housing allowances, creditor protection, or custom fund options, contact Fidelity for assistance evaluating your specific situation. And if you hold company stock in your existing workplace plan, you are strongly encouraged to consult your legal or tax professional before taking any action.

2. Roll your savings into a Fidelity IRA (there are no annual account fees1):

  • Complete control of savings—without plan restrictions
  • Most investment choices—including a full range of funds, stocks, bonds, CDs
  • Flexible distribution options
  • Penalty-free withdrawals for education and first-time home purchase2
  • Professional account management through Portfolio Advisory Services ($50,000 minimum balance)
1 There is no cost to open and no annual fee for Fidelity's Traditional, Roth, SEP, and Rollover IRAs. A $50 account close out fee may apply. Fund investments held your account may be subject to low balance and short term trading fees, as described in the offering materials.  For all securities, see the Fidelity commission schedule for trading commission and transaction fee details.

2 Up to the $10,000 limit on first-time home

Fidelity® Portfolio Advisory Service at Work and Fidelity Portfolio Advisory Service® are services of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee.


HAVE QUESTIONS?
NEED HELP?

Call 800-835-5095 to talk with a Fidelity Representative.