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
Overview of Personalized Planning & Advice ("PP&A") proactive outreach across eligible and enrolled employees: Proactive outreach one-pager.

Resources for you to leverage to engage eligible employees

Off-the-shelf materials:
Centrally deployed campaigns
(can be requested to send ad hoc)
  • Activation: Upon the service launching – this multitouch communications program is intended to drive awareness and adoption of PP&A. 
  • Re-engagement: Multi-touch email that is sent from Fidelity to re-engage those participants who have demonstrated an interest 
  • Awareness: Multi-touch communications program
Workshops
  • Educational Workshop: Invest Confidently for Your Future 
  • Educational Workshop: Fidelity® Personalized Planning &Advice
Plan Sponsor Resources

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

NetBenefits
Enrolled participants should be encouraged to view their PP&A Dashboard on a regular basis for exclusive market commentary from the PP&A investment team
Video
Managing your Personal Profile: Prompting participants to update their profiles to make the most of their personalized plan
Workshop
Ask Fidelity: Getting the most from Personalized Planning & Advice.
Plan Sponsor Resources
Fidelity Workplace Website: Workplace Managed Accounts

Methodology Enhancement Rollout
PP&A helps enrolled participants prepare for and live in retirement by delivering a personalized investment strategy in line with their risk tolerance, financial situation and time horizon. In the spirit of continued innovation, we’re making two key enhancements to our methodology, driven by research and the needs of today’s participants: Personal Profile scoring refinement and enhanced asset complementing. These are not new features, rather refinements to what we already do today.

Learn more:
Sample communication – Methodology Enhancement Rollout

1Fidelity analysis as of 6/30/2026. Engagement is measured for both active and terminated enrolled 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. At minimum, engagement is defined as making a NetBenefits or Fidelity.com log-in or inbound phone call.

>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; Fidelitybranch visits; workshop attendance; financial wellness assessment completion; IPQ update; journey spaceinteractions; 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.

3More than an Investment Portfolio: Participant insights on the value and impact they receive from workplace managed accounts,” Fidelity Investments, 2025.

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.

The Material is intended for use by your organization in print, including a brochure, newsletter, or electronic, including email form. In all cases, you are responsible for ensuring the Material appears exactly as it was sent to you, with the exceptions of those fields which are variable (names/plan type); you shall not alter or modify the Material in any manner whatsoever. You will not make the Material available to any unauthorized third party without the prior written consent of Fidelity. You will only use the Material in accordance with these instructions and with any additional instructions provided by Fidelity.

You acknowledge that the Material is the property of Fidelity and/or its licensors and that except as expressly provided herein, you will receive no rights to any property, intellectual or tangible, associated with the Material or its contents. You will indemnify, defend and hold Fidelity and its affiliates harmless from any and all claims, liability, damages and/or costs arising from your use or misuse of the Material or from your breach of any part of this agreement, including any unauthorized modification of the Material. This permission expires upon the earlier of: 1) one (1) year from today’s date, or 2) on a date as specified by Fidelity. Please plan to remove the Material from distribution upon the expiration date or receipt of an updated version of the Materials by Fidelity. Use of this piece represents acknowledgment and agreement of the terms set forth

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

©2026 FMR LLC. All rights reserved.


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