Fidelity App
Retirement + investment management.
Why Fidelity?
- Among most popular brokerages for retirees.
- $0 commission stocks + ETFs.
- Excellent retirement planning tools.
- Mutual funds with no minimum.
- Free 401(k) rollover assistance.
- Brick + mortar branches available.
App features for seniors
- See all accounts in one place — IRA, 401(k), brokerage.
- Required Minimum Distribution (RMD) calculator.
- Income planning for retirement.
- Tax-loss harvesting opportunities.
- Set up bill pay from brokerage.
- Easy beneficiary updates.
RMD management
- Required at age 73 (most accounts).
- App calculates exact RMD amount.
- Schedule automatic monthly distributions.
- Avoid 50% penalty for missing RMD.
- Reminder notifications.
- Withhold taxes automatically if desired.
Income strategies
- Income generator tool — find dividend stocks.
- Bond ladder calculator.
- Annuity quotes inside the app.
- 4% rule retirement income simulator.
- Social Security claiming calculator.
- Net worth tracker.
Free phone advisors
- Free retirement advisor consultation.
- Phone or in-person at branch.
- Help with rollovers, RMDs, beneficiaries.
- No commission pressure.
- Real humans + good service.
- Book through app or call directly.
Senior security
- Add Trusted Contact — Fidelity contacts if suspicious activity.
- Set up 2FA.
- Voice biometric ID for phone calls.
- Lockdown mode if compromised.
- Designate Power of Attorney access.
- Excellent fraud protection.
Add Trusted Contact today
If your retirement accounts are at Fidelity, add a Trusted Contact this week — usually adult child or spouse. Fidelity will reach out to them if they suspect fraud or you appear cognitively impaired. This safeguard has saved many seniors from being scammed out of retirement savings. Free, takes 5 minutes, requires their consent.