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Welcome to
FidelityExecutiveServicesSM
Questions? Call 800.823.0217.
Fidelity Brokerage Services LLC, Member NYSE and SIPC, 900 Salem Street, Smithfield, RI 02917© 2014 FMR LLC. All rights reserved.
461046.7.0 1.844632.106
Welcome to our highest level of stock plan service.
At Fidelity, we know that as an executive, your stock plan represents
a significant portion of your compensation. That’s why Fidelity Executive
Services dedicates an entire team to helping you make the most it.
From wealth management to tax planning, our experienced professionals
are here to assist you with all your stock plan needs.
Help with the management of control and restricted sharesIf you are a control person, as defined under the
securities laws, or receive restricted company shares
through your stock plan, we’ll help make sure your
trades meet the appropriate requirements within
the required time frames.
• In executing your control stock sell orders, your
Executive Services team will help ensure that your
trades comply with all aspects of Rule 144,
including the completion and filing of the appro-
priate forms.
• In addition, we’ll help ensure successful sales of
your restricted shares with a complete process
that includes verifying if shares are restricted and
which restrictions apply, completing the necessary
documentation, requesting issuer legal approval,
placing your trades, and ensuring you receive
your proceeds in a timely fashion.
Placement of complex tradesTo help minimize the impact of your personal
transactions on your company’s stock price, we offer
consultation about, coordination for, and execution
of your large trades. Leveraging a combination of
trading skill, market intelligence, and investment
community relationships, Fidelity Capital Markets
Services traders seek to buy or sell large blocks of
stock invisibly and with as little impact on market
prices as possible. You can count on Fidelity Capital
Markets to help you achieve the best execution of
your large block trades.
Skilled assistance with trading company sharesYour Fidelity Executive ServicesSM team helps you deal swiftly and accurately with the sensitive and sometimes complicated issues you may face in trading company shares.
Fidelity Capital Markets is a division of National Financial Services LLC, Member NYSE, SIPC.
Fidelity Stock Plan Services, LLC
Fidelity Brokerage Services, Member NYSE, SIPC
© 2014 FMR LLC. All rights reserved.
1.850108.106 461008.7.0
Executive Trading Services
A trading plan helps mitigate “insider trading” issues.This Securities and Exchange Commission rule may
give you “safe harbor” by allowing you to continue
trading company shares, including stock options
(even during trading blackout periods), while
avoiding insider-trading liability. The key is to
establish a predetermined trading plan (or, more
specifically, a 10b5-1 trading plan), which is easily
done with the help of the 10b5-1 professionals at
Fidelity Executive Services.SM
What a 10b5-1 trading plan can do for you.Your predetermined trading plan allows you to sell
or buy company stock according to a schedule you
establish up front, even at times when other trading
would be impermissible, while minimizing the risk
of violating insider-trading laws. This results in
several very important benefits.
A thoughtfully designed 10b5-1 trading plan helps you:• Keep your long-term investment strategy, and
larger financial plan, on track by helping you avoid
interruptions and insider-trading risks.
• Keep your portfolio diversified by avoiding too
large a concentration of company shares.
• Provide predictable cash flow for your individual
goals.
• Adopt a strategy for stock option exercises, which
is particularly useful in exercising expiring options.
Trading plans for company insidersDon’t let insider status keep you from having an investment strategy. While you may be considered an insider when it comes to trading your company stock, your status shouldn’t prevent you from pursuing your long-term investing goals. Thanks to Rule 10b5-1, it doesn’t have to.
Action Plan• Decide how company stock trades fit into your
larger investment strategy.
• Establish a plan for predetermined trading activity.
• Talk to a Fidelity Executive ServicesSM
Representative about getting started today.
Continued >
10b5-1 Trading Plans
Fidelity Stock Plan Services, LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC
900 Salem Street, Smithfield, RI 02917
451799.7.0 1.844640.108
What you need to do.First, think about your larger investment strategy
and how your company stock trades fit into it. Then
determine an appropriate trading plan to fit your
investment strategy — including dates, number of
shares, and target price range — for future sales or
purchases of company shares and the exercise of
company stock options. Once you establish your
10b5-1 trading plan, Fidelity will execute your
trades according to your formula.
Let Fidelity Executive Services help.Fidelity provides you ready access to a team of
experienced and dedicated 10b5-1 professionals,
ensuring that you receive all the support you need
to establish and execute your 10b5-1 trading plan.
If you prefer, we can discuss your objectives and
help you formulate a trading plan to help meet
them.
What to keep in mind.A preestablished, written 10b5-1 trading plan helps
you create an affirmative defense against insider-
trading liability under federal securities laws.
Fidelity’s procedures are designed to help maximize
these protections. In order to offer this protection,
your 10b5-1 plan may only be established — or
modified — during a period when trading is
allowable for insiders (an open window), and when
you’re not in possession of material nonpublic
information.
If your plan allows, you may be able to modify your
plan, but any plan modification requires the
approval of your company counsel. You may also
cancel your plan at any time. All these actions must
be accepted as being “in good order” by Fidelity.
Various types of trading instructions are available,
including good-till-canceled (GTC) orders lasting
up to one year. We’ll tell you about all your options.
Executed according to plan.For a 10b5-1 trading plan to protect you from
insider-trading liability, trades must be executed
according to the formula set down in your plan, and
without your involvement in future investment
decisions with respect to the trading instructions set
forth in that plan.
For example, a typical formula could direct Fidelity
to make trades filtered through the following criteria:
• Order Type: Sell long shares
• Quantity: 1,000 shares
• Type of Order: Market
• Date: First trading day of each month
How to get started.Contact Fidelity Stock Plan Services to speak with
an experienced 10b5-1 trading plan specialist.
Call 800.823.0217, weekdays from 8:00 a.m. to
4:30 p.m. Eastern time.
Financial strategies for now and into retirementFidelity’s full suite of wealth management services
and investment options includes:
• Guidance, tools, products, and ongoing support
to help you effectively develop your accumulated
wealth and convert it into a reliable source of
retirement income.
• Diversification, life insurance planning, and other
strategies to help offset the risks associated with
a concentrated investment in company shares.
• Estate planning support that ranges from online
organizers to trust and inheritor services.
Stock option investment analysisYour team can help you understand the potential
value of the stock options you have been awarded,
and work with you to develop a strategy to help you
meet your goals. Prepared for you by your Executive
Services team, your personalized analysis provides a
detailed look at:
• The value of each grant of your stock options
today, and the potential values using Black-
Scholes calculations.
Connecting stock plan success to your broader financial goalsAs a stock plan participant, your strategy may call for leveraging the substantial assets your stock plan can generate, integrating your stock plan assets into your total portfolio, and, of course, using your wealth to help pursue your most important goals. By providing a link to Fidelity’s wealth management products, tools, and services, Fidelity Executive ServicesSM helps make accomplishing all this seamless for you.
Continued >
Wealth Management Services
• Your portfolio’s risk/reward profile — specifically,
the value and leverage potential of your options
as the stock price increases or decreases.
• The events and ratios you can use to monitor your
option portfolios, so you can take timely action.
Fidelity Portfolio Advisory Service®1
Executives who establish a managed account with
Portfolio Advisory Services (PAS) receive a
comprehensive strategy to meet your investing needs.
In addition to having your assets overseen by highly
skilled, dedicated money managers, you benefit from
a disciplined, risk-appropriate investment approach,
robust research capabilities, and dedicated customer
service. A Fidelity managed account can help you
manage risk, mitigate complexity, avoid a number
of investing pitfalls, and better maximize return
potential in order to increase the likelihood of
reaching your financial goals. Each of our portfolios
is developed and managed by Fidelity’s Strategic
Advisers, Inc., a registered investment adviser and
a Fidelity Investments company. Our managed
accounts include:
Fidelity® Personalized Portfolios: Offers professional
money management to those who have complex
portfolios and are concerned with taxes. Your
personalized portfolio will be constructed
according to your goals and preferences, including
the ability to include or exclude certain investments
or asset classes. The investment managers will also
seek to enhance your after-tax performance by
utilizing a number of tax-sensitive investment
management strategies throughout the year.
Fidelity Portfolio Advisory Service®: Offers a long-
term asset allocation investment strategy and a
thoughtfully constructed model portfolio (ranging
from conservative to aggressive) that is aligned to
your specific investment objectives, risk tolerance,
and time frame.
Fidelity Private Client Group® 2
When your total account reaches $1 million or more,
your Executive Services team may introduce you to
the Fidelity Private Client Group® program. Private
Client Group is reserved for top-tier clients, with
support provided by senior-level representatives,
including your own Private Client Group Account
Executive and support representatives.
With Private Client Group, you receive:
• A wide range of investment guidance opportunities,
products, and services, including estate analysis,
charitable giving solutions, alternative investments
and private offerings, professional money
management, and trust services.
• Fidelity’s lowest brokerage commissions, special
fee waivers, and other discounts. Review our
commission schedule for complete details and
eligibility requirements.
• Access to our Active Trader Pro® trading platform,
expedited problem resolution, exclusive
publications, and invitations to special events and
seminars in your area.
Fidelity Wealth Advisor Solutions®3
If you have substantial assets and want
comprehensive wealth planning and customized
investment management services, consider the
Fidelity Wealth Advisor Solutions® program. Fidelity
can introduce you to prescreened independent
advisors from across the country who can offer you:
• Customized investment advice and portfolio
management investment guidance.
• Highly specialized products and planning services.
• Personal service and planning for you and
your family.
1 Fidelity Portfolio Advisory Service® is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. Fidelity® Personalized Portfolios may be offered through the following Fidelity Investments companies: Strategic Advisers, Inc.; Fidelity Personal Trust Company, FSB (“FPT”), a federal savings bank; or Fidelity Management Trust Company (“FMTC”). Nondeposit investment products and trust services offered through FPT and FMTC and their affiliates are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency, are not obligations of any bank, and are subject to risk, including possible loss of principal. These services provide discretionary money management for a fee.Brokerage services are provided by Fidelity Brokerage Services LLC. Custody and other services are provided by National Financial Services LLC. Both are Fidelity Investments companies and members of NYSE and SIPC. 2 Fidelity Private Client Group® is generally available to investors whose eligible retail household relationship assets are over $1 million, of which at least $500,000 is registered under the same Social Security number (SSN) or tax identification number (TIN) or lists the same SSN or TIN for the custodian of a Uniform Gifts/Transfers to Minors Act Account. Eligible Fidelity retail accounts generally include those maintained by Fidelity Service Company, Inc., or Fidelity Brokerage Services or held in Portfolio Advisory Services accounts [excluding assets maintained through any division of Fidelity Investments Institutional Services Company, Inc., such as 401(k) or 403(b) retirement plan assets]. Household relationship assets will be determined by aggregating the assets of eligible retail accounts held by the investor and his or her immediate family members who reside at the same address. 3 The Fidelity Wealth Advisor Solutions® program (“the Program”) is provided without charge as a convenience to you by Strategic Advisers, Inc. (SAI), a Fidelity Investments company. In no event shall SAI providing the names of one or more registered investment advisers (RIAs) constitute an endorsement, recommendation, or opinion as to the quality or appropriateness of the RIA or the related advisory services. SAI acts as solicitor to the RIAs in the Program and receives solicitation fees from the RIAs as a result of their participation. RIAs are not affiliated with or agents of SAI or any other Fidelity Investments company, but they are Fidelity Investments customers, and their clients compensate Fidelity Investments for custody, clearing, or other brokerage services. You must conduct the evaluation and due diligence you deem necessary to determine whether an RIA and any related advisory services are suitable for your needs. You are under no obligation to contact or engage any RIA. RIAs are eligible to participate in the Program if they represent to Fidelity Investments that they meet the following criteria:(1) RIA is an investment adviser registered and in good standing with the U.S. Securities and Exchange Commission and/or any applicable
state securities regulatory authorities or is exempt from such registration;(2) RIA charges fee-based, asset-based, or flat rate investment advisory service fees (which may include hourly fees);(3) RIA will maintain a minimum of $200,000,000 in assets under management, as reported on RIA’s Form ADV 2A, throughout the duration of
RIA’s participation in the Program;(4) RIA and all associated persons of the RIA who manage client assets or who supervise such associated persons shall at all times be covered
through both Errors and Omissions Liability Insurance and Fidelity Bond Coverage;(5) RIA offers one or more of the following services: financial planning, investment management, performance reporting, trust and estate
planning, retirement income planning, tax planning, small business services, corporate executive services, and/or wealth management; and(6) RIA maintains a minimum of two principals or officers as well as a minimum of five employees.SAI may, in its sole discretion, waive these criteria in whole or in part with respect to any RIA at any time. Fidelity has relied on the representa-tions of the RIA’s in determining whether the criteria have been met, and cannot guarantee the accuracy, completeness, or timeliness of the information provided by the RIAs. RIAs retain the right to accept or reject new advisory accounts. Please see SAI’s Form ADV Part 2A brochure for additional information about the Program. Guidance provided is educational.Fidelity Stock Plan Services, LLC.Fidelity Brokerage Services LLC, Member NYSE, SIPC900 Salem Street, Smithfield, RI 02917461012.10.0 1.844635.110
What is net unrealized appreciation? Why does it matter?Net unrealized appreciation (NUA) is nothing more
than the difference between the price you pay for
the company stock in your retirement savings plan
account (your cost basis) and the market value of
the shares when it is distributed from the plan. As
long as you keep your shares within your retirement
savings plan, you’ll continue to defer paying income
taxes on any appreciation of your company shares.
But when it’s time to move your account balance
out of your plan, there are tax consequences at
potentially different times. This liability can vary,
depending on where your company stock ends up.
Moving your company stock: possible tax scenarios.Option 1: Transfer your company stock
to a rollover IRA.
When you leave your employer, you have the option
of moving your company stock from your retirement
savings plan account directly to an IRA. When you
roll over your employer stock in kind1 to an IRA,
you’re generally not taxed at that time.
However, the special NUA tax advantages for
company stock are lost because all distributions
from IRAs are taxed at ordinary income rates
(currently as high as 39.6%). This option may still
make sense if the NUA is a small percentage of the
stock’s market value, or if your investment time
horizon is sufficiently long, since tax-deferred
growth may be achieved for many years in an IRA.
Support for making informed decisions — today and tomorrowIf you hold company stock in your retirement savings plan, you’ll eventually need to move those shares into a tax-deferred or taxable account. Which move may make sense for you? The answer may surprise you.
Continued >
1 An in-kind distribution is in the form of actual shares of your company stock from your retirement savings plan.
Tax Planning for Appreciated Shares
Option 1: Transfer your company stock to a rollover IRA.
Within your retirement savings plan account:
Upon direct, in-kind transfer to an IRA:
Upon withdrawal from your IRA:
You defer paying taxes on your initial company stock investment (the cost basis) and your NUA.
No taxes due.
Special NUA tax advantages for company stock are lost.
You are taxed at ordinary income rates (currently up to 39.6%) on your cost basis and any appreciation within your rollover IRA. Cost basis cannot be maintained and NUA cannot be elected in an IRA.
Option 2: Put your company stock in a taxable, nonretirement brokerage account.
Within your retirement savings plan account:
Upon direct, in-kind transfer to a taxable, nonretirement brokerage account:
Upon sale of the shares:
You defer paying taxes on your initial company stock investment (the cost basis) and your NUA.
The basis of the stock is taxed at ordinary income rates (up to 39.6% in 2016) in the year the stock is distributed from the plan.2
You are subject to long-term capital gains taxes (currently 0%, 15%, or 20% for 2016) on your NUA. You should be subject to either long-term or short-term capital gains taxes on any appreciation since distribution from your retirement savings plan.
2 A 10% withdrawal penalty may also apply on the cost basis of the stock if the distribution is made before age 59½, but not on the NUA.
3 The short-term capital gains tax rate, which is the same as your regular income tax rate, applies to shares you hold outside a retirement savings plan for less than 12 months. Beyond a year, long-term capital gains rates apply.
Option 2: Put your company stock in a taxable,
nonretirement brokerage account.
When you leave your employer, you may also have
the option of taking your company shares directly
and depositing them in kind in a taxable, nonretire-
ment brokerage account. The basis of the stock is
taxed at ordinary income rates in the year the stock
is distributed from the plan.2 When you finally sell
your shares of company stock, you pay long-term
capital gains tax (currently 0%, 15%, or 20% for
2016, depending on your tax bracket) on the net
unrealized appreciation. Any additional apprecia-
tion should be taxable as short-term or long-term
capital gains, depending on how long you held the
stock after it was distributed in-kind from the plan.3
While this brochure discusses two scenarios for NUA,
you may have other options available to you as well.
Please contact your plan’s toll-free number for more
information.
Comparing tax consequences: two company stock distribution options.The table below illustrates the tax implications of
(1) rolling over employer stock you hold in your
workplace retirement savings plan to an IRA, versus
(2) taking a direct distribution of your shares (which
may include depositing them in a taxable, non-
retirement brokerage account). Keep in mind that
the options in the example are for illustrative
purposes only. Your personal situation may differ,
depending on your plans for your retirement
savings account.
An example of the impact of NUA on two distribution options
This example assumes for both options:• 1,000 shares of employer stock in company retirement plan• Market value of 1,000 shares at time of distribution (year 1) is $100 per share, equal to $100,000• Cost basis of 1,000 shares at time of distribution is $10 per share, equal to $10,000• NUA is $90,000 [$90 per share ($100 per share – $10 per share) x 1,000 shares sold = $90,000]• Market value of 1,000 shares in year 5 is $120,000
Option 1:Roll over employer stock from an employer-sponsored retirement plan to an IRA and take qualified distributions from the IRA.
Option 2:Distribute employer stock in kind from an employer-sponsored retirement plan and place shares into a taxable, nonretirement brokerage account (example assumes partici-pant is age 59½ or older).4
Federal income tax: 39.6%5 Owe 39.6% federal income tax on market value of $120,000, which is $47,520 ($120,000 x 0.396), when distributed from rollover IRA in year 5.
Owe 39.6% federal income tax on cost basis of $10,000, which is $3,960 ($10,000 x 0.396).
Capital gains tax: 20%6 Not applicable Owe 20% capital gains tax when you sell your shares on:• NUA of $90,000, which is $18,000 ($90,000 x
0.20), and• Appreciation of stock, which is $4,000
($20,000 x 0.20)
Total tax $47,520 $25,960 ($10,000 x 0.396 = $3,960) + ($90,000 x 0.20 = $18,000) + ($20,000 x 0.20 = $4,000)
Tax savings due to special tax treatment known as NUA: $21,560 ($47,520–$25,960)
4 A 10% withdrawal penalty may also apply on the cost basis of the stock if the distribution is made before age 59½, but not on the NUA.
5 Federal income tax rates start at 10% and increase gradually to 39.6%. For purposes of this illustration, the highest federal income tax rate was used.
6 An individual’s capital gains tax rate will be 0%, 15%, or 20%, depending on the individual’s regular tax rate. For purposes of this illustration, the highest capital gains tax rate was used.
Action Plan• Learn the importance of net unrealized appreciation.
• Find out which distribution method may make sense for you.
• Determine what’s right for you and your company stock.
Fidelity does not provide legal or tax advice, and the information provided herein is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.
The company stock fund is neither a mutual fund nor a diversified or managed investment option. NUA treatment is available only with certain lump sum (i.e., qualified lump sum) distributions (except for after-tax contributions). It is also permissible to roll over the cash portion and take shares in kind.
Fidelity Stock Plan Services, LLC
Fidelity Brokerage Services LLC, Member NYSE, SIPC
900 Salem Street, Smithfield, RI 02917
472879.9.0 1.852608.109
Careful planning can save you a lot.While a direct transfer to an IRA may be a great
financial move for the cash portion of your retire-
ment savings account, it may not be the best
choice for your company stock holdings. As the
scenario on the previous page shows, smart tax
planning could help you hold on to thousands
more in retirement savings. And that can make a
big difference.
Here’s HelpFor more details about net unrealized appreciation,
your company stock distribution options, and how
they may affect you:
• Call your Executive Services Officer.
• Speak to a Fidelity Retirement Representative
by calling your plan’s toll-free number, weekdays
from 8 a.m. to 8 p.m. Eastern time.
• Contact your tax or financial advisor.
Pursue your giving goals with ease.When you create a plan for charitable giving, you can
be more strategic, ultimately allowing you to give
more — and more effectively. By contributing to Fidelity
Charitable®, you can take advantage of a solution that:
• Enables you to support multiple charities, at
virtually any time,1 with a single contribution.
• Provides an organized way to manage your
charitable giving, simplifying your tax preparation.
• Makes it possible for you to contribute certain
assets beyond cash equivalents or publicly traded
appreciated securities, which other charities may
not be able to accept.
• Offers online access to manage all aspects of
charitable giving.
• Invests contributions for potential growth,
possibly resulting in more dollars available for
grants to charities.
Benefit from a tax-smart giving strategy.Fidelity can help you take advantage of a tax-savvy
approach with Fidelity Charitable — an independent
public charity with a donor-advised fund program.
It offers the following advantages:2
• It allows you to take an immediate tax deduction
for your contributions — separating the timing of
your tax deduction from your charitable support.
• Donations of appreciated securities with long-
term unrealized gains are generally deductible at
fair market value, and you typically will not have to
pay taxes on the appreciation.
• It can also be a valuable estate planning tool to
support your legacy goals.
Helping make the most of your charitable giving
Fidelity Charitable®
A dynamic approach to charitable giving
Make a tax-deductible
charitable contribution to
fund a donor-advised fund.
Assets contributed to
Fidelity Charitable are
invested for potential
tax-free growth.
Support charitable causes
at virtually any time.
Give Grow Grant
When you contribute long-term appreciated stock instead of selling the securities and contributing the net
cash sales proceeds, you can potentially eliminate capital gains, give more to charity, and pay less in taxes.
* This is a hypothetical example for illustrative purposes. Chart assumptions: Donor is in the 39.6% federal income bracket with an AGI of $500,000. State and local taxes, the federal alternative minimum tax, and limitations to itemized deductions applicable to taxpayers in higher-income brackets are not taken into account. Assumes all realized gains are subject to the maximum federal long-term capital gain tax rate of 20% and the Medicare surtax of 3.8%. Does not take into account state or local taxes, if any. Availability of certain federal income tax deductions may depend on whether you itemize deductions. Charitable contributions of capital gain property held for more than one year are usually deductible at fair market value. Deductions for capital gain property held for one year or less are usually limited to cost basis. Please consult your tax advisor regarding your specific legal and tax situation. Information herein is not legal or tax advice.
How you can benefit: Hypothetical Example*
Scenario 1: Donate Stock Contribute securities directly to charity
Scenario 2: Donate Cash Sell securities and donate net proceeds
Fair Market Value $50,000 $50,000
Eliminate capital gains
Assumes federal long-term capital gains tax of 20% and Medicare surtax of 3.8%, cost basis of $20,000, and long-term capital gains of $30,000
$0 $7,140
Donate more to charity Charitable contribution/charitable deduction
$50,000 $42,860
Save more in taxes
Maximum value of chari-table deduction less capital gain taxes and Medicare surtax, if any (assumes deduction offsets income taxed at 39.6%)
$19,800 $9,833
The end result: Give $7,140 more to charity and double the tax savings.
1 Subject to minimum grant activity requirements.
2 The tax information provided is general and educational in nature, and should not be construed as legal or tax advice. Fidelity Charitable does not provide legal or tax advice. Content provided relates to taxation at the federal level only. Charitable deductions at the federal level are available only if you itemize deductions. Rules and regulations regarding tax deductions for charitable giving vary at the state level, and laws of a specific state or laws relevant to a particular situation may affect the applicability, accuracy, or completeness of the information provided. As a result, Fidelity Charitable cannot guarantee that such information is accurate, complete, or timely. Tax laws and regulations are complex and subject to change, and changes in them may have a material impact on pre- and/or after-tax results. Fidelity Charitable makes no warranties with regard to such information or results obtained by its use. Fidelity Charitable disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation.
3 As of December 31, 2015.
Fidelity Charitable is the brand name for Fidelity® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.
Fidelity Stock Plan Services, LLC
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
© 2016 FMR LLC. All rights reserved.
541051.6.0 1.847681.110
Advantages of Fidelity CharitableSince 1991, Fidelity Charitable has helped more than
132,0003 donors simplify their charitable contributions
and maximize their giving with:
• Outstanding donor service
• Professionally managed investment pools
• Successor options for creating a charitable legacy
• An anonymous grant recommendation option
About Fidelity CharitableFidelity Charitable is one the country’s largest
independent public charities and offers the nation’s
largest donor-advised fund program.
• Offers investment options that have generated
$3.3 billion additional dollars for charitable
purposes3
• Has helped support over 219,000 nonprofit
organizations with more than $21 billion in grants.3
Please contact a Charitable Planning Specialist
at 800-682-4438 or visit FidelityCharitable.org
to learn how Fidelity Charitable can fit into
your financial plan and help you achieve
your charitable goals.
Fidelity® Cash Management Solutions
Fidelity® Cash Management Services
All the benefits you’d get from a traditional checking account.
Free ATM/debit card: Get reimbursed for all ATM and surcharge fees.1
FDIC eligible: Your uninvested cash is eligible for FDIC insurance up to $1,250,000.2
Free Fidelity BillPay®: Receive and pay bills on any of your devices.
No-fee checkwriting: Receive free unlimited checkwriting with free standard checks.
No monthly fees or account minimums
Mobile check deposit: Scan and deposit checks with your iPhone®, iPad®, or Android™ with Fidelity Mobile.®3
Fidelity® Rewards Visa Signature® Card
Get unlimited 2% cash back4 to save or invest in your eligible Fidelity account.5
No categories. No limits. No annual fee:6 Earning cash back is easy — you’ll get 2% everywhere you shop. And it’s even more rewarding knowing you won’t have to pay an annual fee.
Power your investments: Your rewards are automatically deposited into your eligible Fidelity account, so you could reach your financial goals even faster. Or, you can use your cash management account to have access to your money right away.
Accepted around the world: With Visa®, you’ll enjoy worldwide acceptance, so you can use your card at millions of places and online.
Easy management for your everyday spending—from the same place as your stock plan Fidelity® Cash Management Solutions help you streamline your money management, allowing you to easily move funds between your cash and investment accounts, while leveraging all the free services and unparalleled customer care you expect.
To set up your Cash Management featuresSpeak with your Executive Services Team
at 800.823.0217, or visit Fidelity.com/cash.
1 All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Visa® Gold Check Card linked to your account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there is a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Visa® Gold Check Card is issued by PNC Bank, N.A., and the check card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
2 The Fidelity® Cash Management Account’s uninvested cash balance is swept to one or more Program Banks, where it earns a variable rate of interest and is eligible for FDIC insurance. At a minimum, there are five banks available to accept these deposits, making customers eligible for nearly $1,250,000 of FDIC insurance. If the number of available banks changes, or you elect not to use, and/or have existing assets at, one or more of the available banks, the actual amount could be higher or lower. For more information on FDIC insurance coverage, please visit FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Refer to the FDIC-Insured Cash (Core) Disclosure Statement and list of eligible Program Banks for details. The deposits at Program Banks are not covered by SIPC.
3 iPhone, iPod touch, and iPad are trademarks of Apple Inc. Android is a trademark of Google Inc.4 You will earn two points per dollar in net purchases (purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. The 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your points for other rewards. Other restrictions apply.
5 Eligible accounts include most nonretirement registrations as well as traditional IRA, Roth IRA, rollover IRA, SEP IRA, and Fidelity® managed 529 college savings plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Rules new card customers receive with their card. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (1-800-343-3548).
6 The APR may vary and as of 03-01-16, the variable APR for Purchases and Balance Transfers is 14.24%. The variable APR for Cash Advances is 24.24%. Cash Advance fee: 3% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 3% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 1% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars; 1% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates, as provided under the Cardmember Agreement and applicable law.
7 Past performance is no guarantee of future results. Actual results will vary. This hypothetical is for illustrative purposes only in order to demonstrate the potential effect of investing 2% of a cardholder’s monthly Fidelity® Rewards Visa Signature® Card purchases into an eligible Fidelity account. The example is not intended to predict or project the performance of any investment security. The example assumes the following: The cardholder elects to turn all available earned rewards points into a deposit into an eligible Fidelity account for a period of 20 years The credit card balance is paid off in full each month and no funds are withdrawn from the eligible account during the 20-year period. The hypothetical investment return is calculated as a constant 7% throughout the 20-year period. The future value is the result of compound growth calculation using the assumptions above. Taxes, inflation, fees, and/or expenses have not been taken into account. If they had been deducted, performance would be lower. Performance will vary and you may have a gain or a loss when you sell shares.
The creditor and issuer of the Fidelity® Rewards Visa Signature® Card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Fidelity and Elan Financial Services are separate companies.Fidelity Stock Plan Services, LLC.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917© 2016 FMR LLC. All rights reserved. 472037.9.0 1.854123.109 03/25919
An easier way to manage your cashFidelity Cash Management Solutions give you the power to manage your cash and spending alongside your investments.
Manage Money & Payments Once you log on to Fidelity.com, the Manage Money & Payments page provides a clear view of money movement and payment trans-actions in your brokerage and cash management accounts:
• See cash balances aggregated across all Fidelity account types
• Pay and manage bills via Fidelity BillPay®
• See Fidelity Rewards credit card balances, payment dates, and rewards earned
• Review running balances and pending transactions
• View deposit availability times and amounts
Fidelity Mobile® Manage your money on the go with Fidelity Mobile® apps:
• Remote check deposit
• Mobile Fidelity BillPay®
• Move money among your Fidelity accounts
• Check balances, trade, research, and more
Screenshots are for illustrative purposes only.
$2,500 IN MoNThly CreDIT CArD PurChAses
$600
$26,822
ANNUAL CASH BACK CASH-BACK GrowtH potENtiAL
Fidelity® Rewards Visa Signature® Card2% is just the beginning
This example shows how investing your rewards in an eligible Fidelity account can potentially grow over 20 years.7
This chart is for illustrative purposes only. Your actual rewards earned will depend on your pattern of purchases.
20-year hypothetical value of your 2% cash-back contribution
Strategic communications just for Fidelity Executive Services clientsDelivered online, by phone, and in person, these
resources can help you make the important
decisions you’ll face in the coming months
and years:
• Executive e-newsletter
Our online biannual publication is designed to
help Fidelity high-net-worth customers become
more informed on relevant topics. It features a
wide array of educational articles about market
trends and investing, financial guidance, tax-law
and SEC changes and updates, as well as in-depth
fund coverage and news concerning Fidelity
products and services.
• Exclusive seminars
Cohosted by your local Fidelity Investor Center,
these events focus on a wide range of financial
topics specifically for high-net-worth investors
and are another valuable source of guidance
and information.
• Fidelity Viewpoints® Inside/Out webcast
Fidelity Viewpoints® Inside/Out brings together
the industry’s top investment strategists and
portfolio managers, from both inside and outside
of Fidelity Investments, to discuss their insights on
current market conditions and economic trends.
• Personal alerts
You’ll receive personal emails or phone calls
about plan events that need your attention,
such as approaching option expirations and
vesting dates. Whichever delivery method you
choose, you’ll be linked directly to a highly
trained Executive Services Representative who’s
ready to help.
Analysis and information tailored for executives like youYour Fidelity Executive ServicesSM benefits include market analysis and timely financial information tailored to executive needs. It’s all designed to help you make better investment and financial decisions, both inside and outside your stock plan.
Guidance provided is educational.
Fidelity Stock Plan Services, LLC
Fidelity Brokerage Services LLC, Member NYSE, SIPC
900 Salem Street, Smithfield, RI 02917
461006.8.0 1.844638.108
Executive and High-Net-Worth Programs
With in-depth knowledge about your company
stock plan, and significant experience helping
executives navigate the opportunities and
requirements of plan participation, your Fidelity
Executive Services team is your primary resource
for ongoing support.
Simply contact a member of your team to review
the services available to you. You’ll also have the
chance to discuss your specific stock plans, a first
step in establishing a strategy that makes sense
for you.
About your Fidelity Executive ServicesSM TeamYour Fidelity Executive Services team is made up of some of the most highly trained and skilled representatives at Fidelity.
Fidelity Executive ServicesSM
Guidance provided is educational.
Fidelity Stock Plan Services, LLC
Fidelity Brokerage Services LLC, Member NYSE, SIPC
536207.3.0 1.904475.103
Call Your Fidelity Executive Services Team at 800-823-0217 to:
• Review your holdings and plan for any upcoming decisions.
• Activate your Fidelity Account®.
• Review the planning resources and guidance services available to you
from Fidelity.
• Request specialized stock services, including assistance with restricted stock,
and help with large-block and other complex trades.
• Receive account service and updates.
• Resolve any service issues or concerns.
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