Fidelity Advisor IRAs
Build your practice by providing clients with sound retirement planning advice. Review possible tax advantages of Roth IRA conversions and capture a more complete understanding of Traditional IRAs, including 72(t) and SEPP.
There are certain important factors to consider as you weigh this decision with your clients, including desired investment options and services, fees and expenses, withdrawal options, required minimum distributions, and tax treatment. Based on your clients' unique financial and retirement needs, one of three Fidelity IRAs may be a good fit. They include:
Fidelity Advisor Roth IRA
Contributions are made with after-tax money. The entire balance may grow unaffected by taxes and is tax-free when withdrawn – as long as certain requirements are met.†
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Fidelity Advisor Rollover IRA
Allows eligible rollover money to remain invested on a tax-deferred basis without paying current income taxes or penalties.
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Fidelity Advisor Traditional IRA
The entire balance may grow year after year unaffected by taxes, which are not owed until money is withdrawn.
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Benefits of using a Fidelity Advisor IRA
- Choose from a wide selection of Fidelity Advisor Funds® with access to practically every segment of the world's markets
- Leverage advanced notification to investors who must take minimum required distributions (MRDs)
- Gain access to systematic investing programs and the potential benefit of dollar-cost averaging*
- Connect with a dedicated team of retirement specialists to answer questions and work with you and your clients to establish a Fidelity Advisor IRA
- Allows convenient 24/7 virtual account access
For nearly 70 years, Fidelity has helped our clients achieve their investment and business objectives by harnessing our deep and diverse capabilities. As the number one IRA provider in the U.S., Fidelity Investments can help you as you guide your clients along the path to—and through—retirement.¹
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† A distribution of earnings from a Roth IRA is federal income tax free if it has met the five-year aging requirement and its owner is at least 59½, deceased, or disabled. Distributions up to $10,000 for a first-time home purchase may also be tax free provided the five-year aging requirement is met. If the IRA owner is under age 59½ at the time distributions are taken, income taxes and a 10% early withdrawal penalty may apply.*
Dollar cost averaging does not ensure a profit or protect against loss in a declining market. For the strategy to be effective, you must continue to purchase shares in both up and down markets.
1. Cerulli Associates, The State of U.S. Retail and Institutional Asset Management 2021. In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation, credit, and default risk for both issuers and counterparties.
Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks.
The above information is educational in nature and should not be construed as legal or tax advice.