WE

’RE

FID

ELI

TY.

Fam

ily-o

wne

d co

mpa

ny,

70 y

ears

exp

erie

nce

Pro

vide

a s

impl

e an

d st

raig

htfo

rwar

d ex

perie

nce

so th

at y

ou fe

el in

con

trol

of y

our f

inan

cial

futu

re

Hom

e of

fina

ncia

l edu

catio

n an

d re

sear

ch,

alon

g w

ith s

peci

alis

ts to

wor

k w

ith y

ou a

nd

help

ans

wer

you

r que

stio

ns

TOD

AY’S

W

OR

KS

HO

P

Makesm

artcho

ices

with

whatyou

’vegot

Build

asolid

foun

datio

nforthe

future

with

justfivesim

plemon

eyconcep

ts

ELE

CTR

ON

ICS

GA

ME

SH

OU

SE

PH

ON

EFO

OD

SU

NG

LAS

SE

SS

HO

ES

CLO

THE

SM

ED

ICIN

EW

INE

FUR

NIT

UR

ETO

OLS

CO

MP

UTE

RC

AR

FILM

SFU

EL

WH

AT W

OU

LD Y

OU

DO

WIT

H $

1000

?

CO

NC

EP

T 1:

BU

DG

ET

Mak

e th

e m

ost

of w

hat y

ou’v

e go

t.

•Fel

t sho

cked

by

how

muc

h yo

u sp

end

a m

onth

?

•Got

hit

with

an

unex

pect

ed

expe

nse?

•Trie

d bu

dget

ing

and

gave

up?

HAV

E Y

OU

EV

ER

?

CO

NC

EP

T 1:

BU

DG

ET

CO

NC

EP

T 1:

BU

DG

ET

Ess

entia

lsN

on-e

ssen

tials

Long

-term

sav

ings

Sho

rt-te

rm s

avin

gs

CO

NC

EP

T 1:

BU

DG

ET

50%

ES

SE

NTI

ALS

15%

RE

TIR

EM

EN

T5%

SAV

ING

S

•How

do

you

stac

k up

?

•How

can

you

funn

el

your

mon

ey in

to th

e rig

ht b

ucke

ts?

AC

TIO

N P

LAN

CO

NC

EP

T 2:

CR

ED

IT

Use

it to

yo

ur a

dvan

tage

.

WH

AT D

O Y

OU

TH

INK

…

CO

NC

EP

T 2:

CR

ED

IT •Of t

he p

hras

es “g

ood”

and

“b

ad” c

redi

t?

•Mak

es c

redi

t goo

d or

bad

?H

ow d

oes

that

affe

ct y

our

mon

ey c

hoic

es?

FIC

O C

RE

DIT

SC

OR

E

CO

NC

EP

T 2:

CR

ED

IT

PAY

ME

NT

HIS

TOR

Y

LEN

GTH

OF

HIS

TOR

Y

NE

W C

RE

DIT

CR

ED

IT U

TILI

ZATI

ON

CR

ED

IT M

IX

SO

UR

CE

: FIC

O

CO

NC

EP

T 2:

CR

ED

IT

Che

ck y

our

cred

it he

alth

Bui

ld c

redi

t as

nee

ded

Che

ck y

our

debt

load

Rea

d th

e fin

e pr

int

Pay

on

time

& p

ay a

t le

ast t

he m

inim

um

•How

can

you

che

ck

on y

our c

redi

t hea

lth

this

wee

k?

•How

can

you

kee

p yo

ur c

redi

t his

tory

he

alth

y?

AC

TIO

N P

LAN

CO

NC

EP

T 3:

DE

BT Han

dle

debt

sm

artly

.

•In

debt

? H

ow d

id y

ou g

et th

ere?

•Con

fuse

d or

frus

trate

d ab

out

your

deb

t?

•Com

plet

ely

debt

free

?

AR

E Y

OU

…

CO

NC

EP

T 3:

DE

BT

CO

NC

EP

T 3:

DE

BT

RE

PAY

SAV

E

+

CO

NC

EP

T 3:

DE

BT

Bui

ld a

n em

erge

ncy

fund

12C

ontri

bute

to y

our 4

03(b

)P

ay o

ff hi

gh-in

tere

st

cred

it ca

rds

3

Pay

off

priv

ate

stud

ent l

oans

45C

ontri

bute

eve

n m

ore

to y

our 4

03(b

)Ta

ckle

low

er

inte

rest

loan

s la

st6

•Whe

re a

re y

ou o

nth

is m

ap?

• Whe

re d

o yo

u w

ant t

ofo

cus

first

?

AC

TIO

N P

LAN

CO

NC

EP

T 4:

INV

ES

T

Rea

ch y

our

mon

ey g

oals

.

•A

bout

inve

stin

g?•

Abo

ut th

e st

ock

mar

ket?

WH

AT D

O Y

OU

TH

INK

OF

WH

EN

YO

U H

EA

R…

CO

NC

EP

T 4:

INV

ES

T

CO

MP

OU

ND

ING

CO

NC

EP

T 4:

INV

ES

T

Ris

k in

volv

ed (a

s co

mpa

red

to a

sav

ings

acc

ount

)

CO

NC

EP

T 4:

INV

ES

T

SH

OR

T TE

RM

0-5

Year

sLO

NG

TE

RM

+5 Y

ears

CO

NC

EP

T 4:

INV

ES

T

LOW

ER

RIS

KH

IGH

ER

RIS

K

Cas

h (s

hort

term

)B

ond

or fi

xed

inco

me

Sto

cks

(equ

ities

) and

Inte

rnat

iona

l sto

cks

AS

SE

T A

LLO

CAT

ION

AN

DD

IVE

RS

IFIC

ATIO

N IN

AC

TIO

N

Cas

h(s

hort

term

)

Bon

d or

fix

ed in

com

e

Sto

cks

(equ

ities

)

Mut

ual f

und

•Wha

t goa

ls d

o yo

u ha

ve?

•How

wou

ld in

vest

ing

help

you

reac

h th

ese

goal

s?

AC

TIO

N P

LAN

CO

NC

EP

T 5:

RE

TIR

E

Tack

le re

tirem

ent

(e

ven

toda

y).

•W

hen

you

hear

the

wor

d re

tirem

ent?

•Yo

u’ll

need

to re

tire?

WH

AT D

O Y

OU

TH

INK

…

CO

NC

EP

T 5:

RE

TIR

E

CO

MP

OU

ND

ING

CO

NC

EP

T 5:

RE

TIR

E

This

hyp

othe

tical

exa

mpl

e as

sum

es th

e fo

llow

ing

(1) $

5000

ann

ual I

RA

con

tribu

tions

on

Janu

ary

1 of

eac

h ye

ar fo

r the

age

rang

essh

own,

(2)

an a

nnua

l rat

e of

retu

rn o

f 7%

and

(3) n

o ta

xes

on a

ny e

arni

ngs

with

in th

e IR

A. T

he e

ndin

g va

lues

do

not r

efle

ct ta

xes,

fees

or i

nfla

tion.

If th

ey d

id, a

mou

nts

wou

ld b

e lo

wer

. E

arni

ngs

and

pre-

tax

(ded

uctib

le) c

ontri

butio

ns fr

om T

radi

tiona

l IR

As

are

subj

ect t

o ta

xes

whe

n w

ithdr

awn.

Ear

ning

s di

strib

uted

from

Rot

h IR

As

are

inco

me

tax

free

prov

ided

cer

tain

requ

irem

ents

are

met

. IR

A d

istri

butio

ns b

efor

e ag

e 59

1/2

may

als

o be

sub

ject

to a

10%

pen

alty

. Sys

tem

atic

inve

stin

g do

es n

ot

ensu

re a

pro

fit a

nd d

oes

not p

rote

ct a

gain

st lo

ss in

a d

eclin

ing

mar

ket.

This

exa

mpl

e is

for i

llust

rativ

e pu

rpos

es o

nly

and

does

not r

epre

sent

the

perfo

rman

ce

of a

ny s

ecur

ity. C

onsi

der y

our c

urre

nt a

nd a

ntic

ipat

ed in

vest

men

t hor

izon

whe

n m

akin

g an

inve

stm

ent d

ecis

ion,

as

the

illus

tratio

n m

ay n

ot re

flect

this

.The

as

sum

ed ra

te o

f ret

urn

used

in th

is e

xam

ple

is n

ot g

uara

ntee

d. In

vest

men

ts th

at h

ave

pote

ntia

l for

a 7

% a

nnua

l rat

e of

retu

rnal

so c

ome

with

risk

of l

oss.

2535

70AG

E

$1.5

M

$.5M$1M

Hyp

othe

tical

illu

stra

tion

–$7

96,6

87

CO

MP

OU

ND

ING

CO

NC

EP

T 5:

RE

TIR

E

This

hyp

othe

tical

exa

mpl

e as

sum

es th

e fo

llow

ing

(1) $

5000

ann

ual I

RA

con

tribu

tions

on

Janu

ary

1 of

eac

h ye

ar fo

r the

age

rang

essh

own,

(2)

an a

nnua

l rat

e of

retu

rn o

f 7%

and

(3) n

o ta

xes

on a

ny e

arni

ngs

with

in th

e IR

A. T

he e

ndin

g va

lues

do

not r

efle

ct ta

xes,

fees

or i

nfla

tion.

If th

ey d

id, a

mou

nts

wou

ld b

e lo

wer

. E

arni

ngs

and

pre-

tax

(ded

uctib

le) c

ontri

butio

ns fr

om T

radi

tiona

l IR

As

are

subj

ect t

o ta

xes

whe

n w

ithdr

awn.

Ear

ning

s di

strib

uted

from

Rot

h IR

As

are

inco

me

tax

free

prov

ided

cer

tain

requ

irem

ents

are

met

. IR

A d

istri

butio

ns b

efor

e ag

e 59

1/2

may

als

o be

sub

ject

to a

10%

pen

alty

. Sys

tem

atic

inve

stin

g do

es n

ot

ensu

re a

pro

fit a

nd d

oes

not p

rote

ct a

gain

st lo

ss in

a d

eclin

ing

mar

ket.

This

exa

mpl

e is

for i

llust

rativ

e pu

rpos

es o

nly

and

does

not r

epre

sent

the

perfo

rman

ce

of a

ny s

ecur

ity. C

onsi

der y

our c

urre

nt a

nd a

ntic

ipat

ed in

vest

men

t hor

izon

whe

n m

akin

g an

inve

stm

ent d

ecis

ion,

as

the

illus

tratio

n m

ay n

ot re

flect

this

.The

as

sum

ed ra

te o

f ret

urn

used

in th

is e

xam

ple

is n

ot g

uara

ntee

d. In

vest

men

ts th

at h

ave

pote

ntia

l for

a 7

% a

nnua

l rat

e of

retu

rnal

so c

ome

with

risk

of l

oss.

2535

70AG

E

$1.5

M

$.5M$1M

Hyp

othe

tical

illu

stra

tion

–$1

,641

,122

–$7

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Com

poun

ding

grow

thVa

riety

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inve

stm

ent o

ptio

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d as

an

indi

vidu

al

IND

IVID

UA

L R

ETI

RE

ME

NT

OP

TIO

NS

IRA

RO

THIR

A

TAX

ES

AN

D W

ITH

DR

AWA

LS

+

IND

IVID

UA

L R

ETI

RE

ME

NT

OP

TIO

NS

Whi

ch o

ne m

akes

sen

se fo

r you

?

Tax

on d

epos

ited

fund

s

Ear

ly w

ithdr

awal

s in

cur p

enal

ties

Taxe

d up

on w

ithdr

awal

IRA

Rot

h IR

A

•O

pen

an a

ccou

nt•

Mak

e it

auto

mat

ic•

Mee

t the

mat

ch•

Bum

p up

you

r co

ntrib

utio

ns

GIV

E Y

OU

R F

UTU

RE

SE

LFC

ON

CE

PT

5: R

ETI

RE

A FI

NA

NC

IAL

BO

OS

T

•Wha

t’s o

ne th

ing

you

can

do in

the

next

yea

r to

giv

e yo

ur fu

ture

sel

f a

boos

t?

AC

TIO

N P

LAN

EDU

CAT

ION

:A

rticl

es, v

ideo

s, to

ols

and

mor

e

AC

TIO

N:

Sim

ple

way

s to

take

act

ion

UPD

ATES

: Fo

llow

@fid

elity

for u

pdat

es a

nd

find

us o

n Fa

cebo

ok

FOR

MO

RE

INFO

RM

ATIO

N

fidel

ity.c

om/m

ymon

eyno

w

We’

re h

ere

to h

elp.

Cal

l 800

-642

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1 w

ww

.fide

lity.

com

/duk

eAlan

Collins,C

RPC®

Retirem

entP

lann

erCh

ristoph

erMann,

CFP®

Director,Retire

men

tPlann

er

Than

k yo

u!

IMP

OR

TAN

T IN

FOR

MAT

ION

Inve

stin

g in

volv

es ri

sk, i

nclu

ding

the

risk

of lo

ss.

Div

ersi

ficat

ion

and/

or a

sset

allo

catio

n do

es n

ot e

nsur

e a

prof

it or

gua

rant

ee a

gain

st lo

ss.

As

with

all

your

inve

stm

ents

thro

ugh

Fide

lity,

you

mus

t mak

e yo

ur o

wn

dete

rmin

atio

n as

to w

heth

er a

n in

vest

men

t in

any

parti

cula

r sec

urity

or s

ecur

ities

is

cons

iste

nt w

ith y

our i

nves

tmen

t obj

ectiv

es, r

isk

tole

ranc

e, fi

nanc

ial s

ituat

ion,

and

you

r eva

luat

ion

of th

e se

curit

y. F

idel

ity is

not

reco

mm

endi

ng o

r end

orsi

ng

any

inve

stm

ent b

y m

akin

g it

avai

labl

e to

its

cust

omer

s.

Fide

lity

does

not

pro

vide

lega

l or t

ax a

dvic

e. T

he in

form

atio

n he

rein

is g

ener

al a

nd e

duca

tiona

l in

natu

re a

nd s

houl

d no

t be

cons

ider

ed le

gal o

r tax

adv

ice.

C

onsu

lt an

atto

rney

or t

ax p

rofe

ssio

nal r

egar

ding

you

r spe

cific

situ

atio

n.

In g

ener

al, t

he b

ond

mar

ket i

s vo

latil

e, a

nd fi

xed

inco

me

secu

ritie

s ca

rry in

tere

st ra

te ri

sk. (

As

inte

rest

rate

s ris

e, b

ond

pric

es u

sual

ly fa

ll, a

nd v

ice

vers

a.

This

effe

ct is

usu

ally

mor

e pr

onou

nced

for l

onge

r-ter

m s

ecur

ities

.) Fi

xed

inco

me

secu

ritie

s al

so c

arry

infla

tion

risk,

liqu

idity

risk,

cal

l ris

k, a

nd c

redi

t and

de

faul

t ris

ks fo

r bot

h is

suer

s an

d co

unte

rpar

ties.

Unl

ike

indi

vidu

al b

onds

, mos

t bon

d fu

nds

do n

ot h

ave

a m

atur

ity d

ate,

so

avoi

ding

loss

es c

ause

d by

pric

e vo

latil

ity b

y ho

ldin

g th

em u

ntil

mat

urity

is n

ot p

ossi

ble.

Sto

ck m

arke

ts a

re v

olat

ile a

nd c

an fl

uctu

ate

sign

ifica

ntly

in re

spon

se to

com

pany

, ind

ustry

, pol

itica

l, re

gula

tory

, mar

ket,

or e

cono

mic

dev

elop

men

ts.

Inve

stin

g in

sto

ck in

volv

es ri

sks,

incl

udin

g th

e lo

ss o

f prin

cipa

l.

Fide

lity

Bro

kera

ge S

ervi

ces

LLC

, Mem

ber N

YSE

, SIP

C, 9

00 S

alem

Stre

et, S

mith

field

, RI 0

2917

© 2

016

FMR

LLC

. All

right

s re

serv

ed.

755890.1.2

Q&

A