Fidelity’s Workplace Managed Account offering: Personalized Planning & Advice

Personalized Planning & Advice delivers unique investing and planning strategies to help employees
reach their retirement goals:

icon_Lightbulb Improved engagement: 93% of enrolled participants regularly engage with retirement planning1
icon_Badge Tailored investment strategy: Nearly 50% of participants saw a portfolio equity change of 10% or more2
icon_Celebration Promotes retirement readiness: 80% of participants are on track to meet retirement expenses3

How to best engage your employees with Personalized Planning & Advice:

Tools for you to leverage to engage eligible employees

Category Investment Help Personalized Planning & Advice
Online education NetBenefits® Learn Hub
Learn more on current topics such as investing concepts and market commentary		 NetBenefits® Learn Hub
Learn more on current topics such as investing concepts and market commentary
Off-the-shelf materials

Materials that can be used as part of an internal communications strategy (or stand-alone), to help your employees understand all the ways Fidelity can help them manage their retirement savings		 Email*
Digital Signage
Newsletter/Social/Intranet Copy
Infographic/Digital Signage/Email Banner
Infographic/Digital Signage/Email Banner- Spanish		 *
Digital Signage
Newsletter/Social/Intranet Copy
Newsletter/Social/Intranet Copy - Activation
Brochure 1
Brochure 2 - Condensed Version

Infographic/Digital Signage/Email Banner
Infographic/Digital Signage/Email Banner- Spanish
Campaigns

Fidelity will typically send these campaigns once a year but you can also request to send ad hoc		 Investment Help Campaign
Email campaign which communicates to your employees the different ways Fidelity can help them manage their retirement savings		 Activation Campaign
Upon the service launching – this multi-touch communications program is intended to drive awareness and adoption of Personalized Planning & Advice.

Personalized Planning and Advice Re-engagement Campaign
Multi-touch email that is sent from Fidelity to re-engage those participants who have demonstrated an interest in Personalized Planning & Advice.

Personalized Planning & Advice Awareness Campaign
Multi-touch communications program intended to drive awareness and adoption of Personalized Planning & Advice.
Workshops Educational Workshop: Take the First Step to Investing
Educational Workshop: Make the Most of Your Retirement Savings
Ask Fidelity: Investment Styles		 Educational Workshop: Invest Confidently for Your Future
Educational Workshop: Fidelity® Personalized Planning & Advice


Tools for you to leverage to improve engagement and personalization for enrolled employees


Emails WI Email: Personal Profile update reminder
TEM Email: Personal Profile update reminder
Workshop Ask Fidelity: Getting the most from Personalized Planning & Advice
Video Managing your personal profile: Prompting participants to update their profiles to make the most of their personalized plan
NetBenefits Enrolled participants should be encouraged to view their Personalized Planning & Advice Dashboard and the LearnHub on a regular basis for exclusive market commentary from the Personalized Planning & Advice investment team

Plan Sponsor Resources:

Fidelity Workplace website: Workplace Managed Accounts

1Fidelity analysis as of December 31, 2024. Engagement is measured for approximately 22 million active and terminated participants in corporate DC and TEM plans with a positive balance over a period of the last 12 months "Engaged" includes three tiers: Highly Engaged, Educational Engaged, and Basic-Level Engaged and is defined as follows:

>Basic Engaged: NetBenefits or Fidelity.com log-in; inbound phone call

>Education Engaged: NetBenefits content views/engagement; advisory dashboard visit; financial wellness topic pages view; live events visit; Learn Hub visits; Student Debt Tool visit

>Highly Engaged: Self-led or rep-led tool completion; phone guidance; onsite one-on-one meetings; Fidelity branch visits; workshop attendance; financial wellness assessment completion; IPQ update; journey space interactions; Goal Booster usage

2Population includes the Fidelity enrolled Personalized Planning & Advice base as of December 31, 2024, excluding universal enrollments, $0 balance accounts, and managed account plan conversions.

3Cohort data includes all participants who had been enrolled in Personalized Planning & Advice for 8+ years as of December 31, 2021. Assessment based on Fidelity’s RPM (Retirement Preparedness Measurement) score, which represents the percentage of a participant’s retirement expenses that are on track to be covered in poor market conditions. RPM considers an individual’s contributions, portfolio asset mix, retirement time horizon, and expected retirement expenses.

There are four categories on the retirement preparedness spectrum based on the participant’s ability to cover estimated retirement expenses.

>Dark green: On Target (96 or over). On target to cover 95% or more of total estimated expenses.

>Green: Good (81-95). On target to cover essential expenses, but not discretionary expenses like travel, entertainment, etc.

>Yellow: Fair (65-80). Not on target to sufficiently cover all essential retirement expenses; some modest adjustments to planned lifestyle likely.

>Red: Needs Attention (less than 65). Not on target to sufficiently cover all essential retirement expenses, with significant adjustments to planned lifestyle likely.

Participants who have a score of Yellow (65-80) or above in the 45+ age group are considered retirement ready.

If you have any questions or for more information on our Education Topics, please contact your Fidelity representative.

*Email can be deployed by Fidelity representative or ad-hoc via Plan Sponsor.

By using these communications, you represent that you are an authorized representative of the organization for which you are copying, distributing, posting, or otherwise using the Fidelity prepared communications attached here and, on behalf of such organization, accept the terms and conditions located at http://go.fidelity.com/TermsForClientUsage.

For plan sponsor use only. Not for use with employees.

Investing involves risk, including risk of loss.

Fidelity® Personalized Planning & Advice at Work is a service of Strategic Advisers LLC, a registered investment adviser and a Fidelity Investments company, and may be referred to as "Fidelity," "we," or "our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee.

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

©2025 FMR LLC. All rights reserved.

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