small business plans fidelity

If you're looking to move your self-employed 401(k), SEP IRA, or SIMPLE IRA to Fidelity, we can help. Call one of our retirement specialists at 800-544-5373.

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Self-employed 401(k)

Self-employed individuals, owner-only businesses and partnerships can save more for retirement through a 401(k) plan designed especially for you.

With Fidelity, you have no account fees and no minimums to open an account. 1 You'll get exceptional service as well as guidance from our team.

Compare all small-business plans

Plan details

Maintaining your plan, 1. key things to know, 2. open your plan and establish account, 3. contribute to your account.

4. Roth Self-Employed 401(k) Information

Note: The employee salary deferral contribution has one overall annual limit, and that is aggregated between your Traditional Self-employed 401k and your Roth Self-employed 401K deferrals.

Participants are eligible for withdrawals once a triggering event has been reached. Triggering events include reaching age 59 1/2, disability, and more. For a full list of triggering events see the One-Time Withdrawal — Defined Contribution Retirement Plan form (PDF) . A 10% early withdrawal penalty may apply if you are under age 59 1/2 and taking a withdrawal. Required minimum distributions start at age 73.

A wide range of mutual funds, stocks, bonds, ETFs, and more.

There is no opening cost, closing cost, or annual fee for Fidelity's self-employed 401(k). 1 $0 commission for online US stock, ETF, and options trades.* †

An IRS filing is required when you terminate your plan and in some cases on an annual basis. Please see Maintaining Your Plan for more information.

The deadline to open a new plan is generally the tax filing deadline (including extensions) of the sponsoring business.

Note: For partnerships and corporations that establish their plan after the business's year end, only the employer profit sharing contributions are permitted for the first year. Sole proprietors who establish their plan after the business's year end and before their tax filing deadline (no extension) must make their deferral contribution by their tax filing deadline (no extension). Sole proprietors who establish their plan after their tax filing deadline but before their extension deadline may only make profit sharing contributions for the plan's establishment year.

Online, by phone, through mobile check deposit , or by transfer or EFT on Fidelity. Learn more

To fully establish your plan, you'll also need to complete the self-employed 401(k) account application, adoption agreement and trust agreement. Please keep copies for your records, along with the Defined Contributions Retirement Basic Plan Document No. 04.

Online plan establishment is available if you:

Are establishing a new plan
Are the plan administrator and plan participant
Are a US Citizen
Are naming your spouse as your primary beneficiary if you are married

If you are not eligible for online establishment, you may:

Review, download, complete and keep for your records the following form:

Designated Roth Contributions Addendum to the Defined Contribution Retirement Plan

Review, download and save (or print for your records) the following document:

Defined Contribution Retirement Basic Plan Document No. 04 (PDF)

Review, download, complete, return to Fidelity, and keep a copy for your records the following forms:

Self-employed 401(k) adopting agreement (PDF)
Trust agreement (PDF)
Self-employed 401(k) account application for yourself and each participating owner (including the business owner's spouse, if applicable).

Once you've established your self-employed 401(k) plan and any new account(s), the next step is to contribute to your 401(k).

You can use the Small Business Retirement Plan Contribution Calculator to calculate your annual contributions.

You may contribute to your Self-employed 401(k) through the following methods:

Contribute now via EFT on Fidelity.com Log In Required or from a Fidelity non-retirement account in the name of the plan administrator and used for the business.
Deposit checks on Fidelity's mobile app using mobile check deposit
Send a contribution via an external Billpay service

To set up salary deferral elections

Online from an existing brokerage account in the name of the plan administrator used exclusively for the business.
You can use the sample 401(k) Salary Reduction Agreement Form (PDF) . Fill it out yourself and have each participating owner (including the business owner's spouse, if applicable) fill it out as well.
Keep this form for your records and do not forward to Fidelity.

To roll over other plan assets

If you already have a retirement savings plan for your business, you may be able to roll over or transfer existing plan assets to a Self-Employed 401(k). Consult with your tax advisor or benefits consultant prior to making a change to your retirement plan.

Assets from the following plans may be eligible to be rolled over into a Self-Employed 401(k):

Profit Sharing, Money Purchase, and 401(k) plans
SEP IRAs and SARSEPs
SIMPLE IRA accounts after two years of SIMPLE participation
403(b) and governmental 457(b) plans
Traditional IRAs

Call a retirement specialist at 800-544-5373 , and say "retirement representative," to get help with a rollover into a Fidelity Self-Employed 401(k).

Contribution deadlines

The deadline for self-employed individuals and owner-only businesses to make both the company profit sharing and employee salary deferral is the business's tax filing deadline, including extensions.

Contribution deadlines may be different in the year the plan is established, see establishment deadlines

For the year salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners if they are also participating employees) must make a written salary deferral election by the business's year end.

4. Roth Self-employed 401(k) Information

Section 603 of the SECURE 2.0 ACT of 2022 requires that eligible participants in a 401(k) plan whose wages for the preceding calendar year exceeded $145,000, must make any catch-up contributions as designated Roth deferrals.

Coming soon

Fidelity is pleased to inform you that Roth contributions will be available for the Self-employed 401(k) plan prior to the regulatory deadline of Jan 1st, 2026.

Depending on your unique situation, you may be eligible to make Roth deferrals for tax years 2024 and beyond. For questions around your specific eligibility to make Roth contributions, we strongly suggest you work with a tax professional. 

Action required

Steps you must take to enable your plan to accept designated Roth deferral contributions:

Fill out and retain this addendum in your files before the end of the calendar year for which you intend to contribute.
Do not complete sections 2 and 3 of the addendum: conversions are not offered for the Self-employed 401(k).
The Roth Self-employed account is not currently available; we will notify clients when it becomes available.
Your designated Roth deferral contributions must be made into the Roth Self-employed 401(k) account.
The Roth Self-employed 401(k) account is not a separate plan, it is part of your existing plan and is a separate account for accurate accounting and tax reporting purposes.
Please consult a tax professional if you have questions related to the contributions you are eligible to make and their deadlines.

Important information about the Roth Self-Employed 401(K)

Your Self-employed 401(k) allows for two different contribution types: employer profit sharing and employee salary deferrals, that hasn’t changed. However, should you elect to complete the addendum and add the ability to contribute designated Roth deferrals to your plan, keep in mind the employee salary deferral contribution has one overall annual limit, and that is aggregated between your traditional self-employed 401k and your Roth self-employed 401K. You may contribute the entire amount as a traditional tax-deductible contribution, or a Roth non-deductible contribution, or split the amount between both. For 2024 the total amount you can contribute as an employee deferral is $23,000 if you are under the age of 50 and $30, 500 if you are age 50 or older.
Any contributions you have made as traditional tax-deductible contributions must remain as traditional tax-deductible contributions and cannot be recharacterized to a Roth contribution.
Designated Roth deferral contributions are not tax deductible.
To be qualified, the distribution must occur when the Roth Self-employed 401(k) has met its 5-year aging AND the participant is 59 ½ years old or older, disabled or deceased.
The 5-year aging begins Jan 1 of the year the first contribution is made for.
Distributions from your Roth Self-employed 401(k) account that are nonqualified may be subject to taxes and penalties.
You must meet a triggering event to take a distribution. Triggering events are listed on the Distribution form .
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A Self-Employed 401(k) plan is a profit-sharing plan with a salary deferral arrangement, qualified under Internal Revenue Code 401.

The Roth Self-employed 401(k) is an account within your Self-employed 401(k) plan in which you must make any designated Roth deferral contributions. A separate account is needed for accurate tracking and tax reporting purposes. The Roth Self-employed 401(k) account is not available now, we will notify clients when it is ready. Learn more

Eligibility

A self-employed 401(k) plan may be appropriate for sole-proprietors and other small businesses who have no eligible employees other than owners and spouses of the owners. Individuals with corporations (Corp.), limited liability corporations (LLC), and partnerships may also be able to establish a self-employed 401(k), provided there are no common law employees of the business.

In addition to the business owners, the owners' spouses may participate in the plan provided they are compensated employees of the business.

If the company has common law employees this plan is not appropriate. This plan might not be appropriate if you have ownership interest in more than one business or are a participant in a company sponsored 401(k) or other salary deferral retirement plan. If you are looking for a plan that allows Roth salary deferral contributions, loans, or hardship withdrawals, this would not be an appropriate plan for your business as these features are not offered at this time.

The plan administrator, who is typically the business owner, would be responsible for the administration of the plan, and is required to maintain and update, when needed, all plan records and documents pertaining to the plan. Contributions to and distributions from the plan are also the plan administrator's responsibility. In addition, the plan administrator is responsible for the tax filing that is required for some plans annually and all plans upon termination. Please see Maintaining Your Plan for more information.

Account Opening

If you're setting up a plan and opening an account for someone else or if you'd prefer not to submit documents digitally, please complete the documents found here .

Note: For partnerships and corporations that establish their plan after the business's year end, only the employer profit sharing contributions are allowed for the first year. Sole proprietors who establish their plan after the business's year end and before their tax filing deadline (no extension) must make their deferral contribution by their tax filing deadline (no extension). Sole proprietors who establish their plan after their tax filing deadline but before their extension deadline may only make profit sharing contributions for the plan's establishment year.

A spouse, who is also a compensated employee of the business, may be added to the plan by using the Self-Employed 401(k) account application (PDF) .

Contributions

How do I make contributions to my plan? See Contribute To Your Account

For corporations and partnerships, in the year the plan is established, if it is established after the business's year end, only profit sharing contributions are allowed. In subsequent years, both company profit sharing and employee salary deferrals are permitted.

Sole proprietors must open their plan by their tax filing deadline (no extension) to make both profit sharing and salary deferral contributions in the first year.

For the year that salary deferrals are to commence, generally participants (including self-employed individuals and spouses of owners (if they are also participating employees) must make a written salary deferral election by the business's year end.

If you have an unincorporated business, you (and your spouse if they are an employee of the business) must make a written salary deferral election before the end of the year. Employees of incorporated businesses must make a written salary deferral election before they can begin deferring from paychecks and that must be before the end of the business’s tax year.

You may use the sample 401(k) Salary Reduction Agreement Form (PDF) . Fill it out and have each participating owner (including the business owner's spouse, if applicable) complete a Salary Reduction Agreement Form if they will be making salary deferral contributions to the plan.

Please keep this form for your own records. There is no need to send a copy to Fidelity.

Individuals may elect a salary deferral amount up to $22,500 for 2023 and $23,000 for 2024.
Employers may contribute a profit-sharing amount up to 25% of compensation, with the maximum allowed combined employer and salary deferral contribution amount of $66,000 for 2023 and $69,000 for 2024.
For participants aged 50 or older, additional salary deferral catch-up contributions are allowed of $7,500 for 2023 and 2024.

Investments

You can select from a wide range of investment options. These include Fidelity and non-Fidelity mutual funds along with stocks, bonds, ETFs, and CDs.

Withdrawals

Participants are eligible for withdrawals once a triggering event has been reached. Triggering events include reaching age 59½, disability, and more. For a full list of triggering events see the One-Time Withdrawal — Defined Contribution Retirement Plan form (PDF) .

If you are under age 59½ and are taking a distribution, a 10% early withdrawal penalty from the IRS will apply. A 20% mandatory withholding would also apply to any distribution that is an eligible rollover distribution. Required Minimum Distributions (RMDs) must begin at age 73.

To process a withdrawal from a Self-employed 401(k) plan, please use the One-Time Withdrawal - Defined Contribution Retirement Plan (PDF) form. The plan administrator and the participant for the Self-employed 401(k) plan will both be required to review and authorize the distribution from the plan.

Maintaining your self-employed 401(k)

A self-employed 401(k) is a qualified retirement plan for a small business where the only employees are the owner(s) of the business and/ or the spouse(s) of the owner(s) if they work for the business. You shouldn't use this plan if you have any other employees. The self-employed 401(k), in some cases, can offer you the ability to make a larger contribution than other plans. However, it does have extensive administrative and tax reporting requirements that are your responsibility as the business owner and plan administrator. The list below does not cover all of your responsibilities. You may want to consult the IRS or a qualified tax advisor if you have additional questions.

Employer and plan administrator responsibilities

1. establish your plan.

The deadline to open a new plan is generally the tax filing deadline (including extensions) of the sponsoring business. Note: For partnerships and corporations that establish their plan after the business's year end, only the employer profit sharing contributions are allowed for the first year. Sole proprietors who establish their plan after the business's year end and before their tax filing deadline (no extension) must make their deferral contribution by their tax filing deadline (no extension). Sole proprietors who establish their plan after their tax filing deadline but before their extension deadline may only make profit sharing contributions for the plan's establishment year.
The employer will establish the plan and name the plan administrator. Typically with the self-employed 401(k), the employer and the plan administrator are the same person, but you may name someone else as plan administrator if you choose.

NOTE: The plan administrator is responsible for making contributions, authorizing withdrawals, preparing and filing the 5500 when necessary, and recording and keeping documents for the plan and updating those documents when necessary.

2. Notify eligible participants of their ability to defer pay into the plan

Eligible participants who wish to defer salary must complete a salary reduction agreement form before the plan's year end. You may use the Salary Reduction Agreement form (PDF) and keep it in your own records.

3. Contribute to the participants' accounts by your business' tax filing deadline plus extensions

Note: For corporations and partnerships, in the year the plan is established, if it is established after the business's year end, only profit sharing contributions are allowed. In subsequent years, both company profit sharing and employee salary deferrals are permitted. Sole proprietors must open their plan by their tax filing deadline (no extension) to make both profit sharing and salary deferral contributions in the first year. Sole proprietors must open their plan by their tax filing deadline (no extension) to make both profit sharing and salary deferral contributions. In the first year deferral contributions must be made by the tax filing deadline (no extension). Sole proprietors who establish their plan after the tax filing deadline but prior to the extension deadline may only make employer profit sharing contributions the first year of their plan.
As a plan sponsor, you can make contributions online via EFT from your bank or from an individual account on Fidelity.com . Mobile check deposit is available using the Fidelity's mobile app.
For assistance calculating your contribution amount please use the Small Business Retirement Plan Contribution Calculator .
The employee salary deferral contribution has one overall annual limit, and that is aggregated between your Traditional self-employed 401k and your Roth self-employed 401K deferral.

4. Submit withdrawal requests when eligible

Participants are eligible for a withdrawal once a triggering event occurs, such as turning age 59½, disability, or death. 10% early withdrawal penalty applies if you take a distribution before you're 59½ years old. Required minimum distributions (RMDs) start at age 73.
There is a 20% mandatory federal withholding requirement for any withdrawal that is otherwise eligible to roll over to another plan.
Withdrawals are done in writing using the Defined Contribution Retirement Plan One-Time Withdrawal form (PDF) .
RMDs are generally required the year you turn 73 years of age for self-employed retirement plans, regardless of your working or participation status. You may set up recurring RMDs using the Defined Contribution Retirement Plan - Automatic Withdrawals form .

5. Abide by the Defined Contributions Retirement Plan document (PDF)

This document contains the IRS-approved rules for your plan, as well as a definition of terms.
Important Information regarding your Defined Contribution Retirement Plan: Participation in a 401(k) arrangement has changed with the passing of the SECURE Act and the SECURE Act 2.0. Beginning in 2021 the strictest age and service requirements that can be applied to an employee before the employee can participate in a 401(k) arrangement are: 1) at least 21 years old and the date completing 1 year (12 months) and no less than 1, 000 hours of service or 2) completing 3 consecutive years (36 months) of service with at least 500 hours of service or more each year provided the employee has attained age 21 by the close of the third year. The later could make 401(k) deferrals under the plan available to certain part-time employees starting 1/1/2024. Beginning in 2023, the SECURE Act 2.0 reduces the 3 year rule to 2 years. This could affect employees starting 1/1/2025.

6. Keep good records

Starting with the forms you fill out to establish your plan, you'll want to keep a file of all relevant documents. This is not a comprehensive list, but among the important documents you will need are the plan document, the adoption agreement, records of all contributions and distributions, and any corrections of errors of operation, should they occur. Over the life of your self-employed 401(k), you may have reason to amend your adoption agreement. You should keep any older versions, along with the most current version. You may operate under different versions of the plan document, and you should keep a copy of all versions. Note: Fidelity doesn't retain any of these records on your behalf.

7. Update your records

Any change in your plan that would alter information on your adoption agreement requires you to fill out a new adoption agreement, amending your plan. Substantial changes could result in a termination of the plan. If you are unsure whether you should amend or terminate your plan, please see your tax advisor.
The plan document itself is updated for legislative changes every 6 years. Once Fidelity makes the changes to the plan document and they are approved by the IRS, you'll need to restate your plan. That will require an amended adoption agreement and a new plan document.

8. File the version of the 5500 that's appropriate for your plan

Most owner-only plans can file the 5500EZ after plan assets exceed $250,000 but consult the IRS or your tax advisor if you are unsure of which version of the form applies to you.
See Understanding form 5500 for more information and help with the filing.

9. Correct errors of operation

The profit-sharing excess which cannot be removed from the plan. The IRS remedy is to "carry forward" the excess and apply it to a future year. Penalties may apply.
An excess salary deferral, which must be removed by 4/15 after the year the excess was deferred.
If you believe you have contributed more than you should, please consult your tax advisor. If you have questions, our retirement representatives may be able to help. Please call 1-800-544-5373 and say "Small Business Retirement plan." Please be aware, our representatives are not tax advisors.

10. Terminate your plan

An active plan should have substantial and recurring contributions. If you are ready to terminate your plan please see the. Self-employed 401(k) Termination Guide (PDF)
Money Purchase Termination Guide (PDF)
Profit Sharing Termination Guide (PDF)

11. Provide Fee Disclosure information

Your self-employed 401(k) should not be subject to Title 1 of ERISA because it does not cover employees beyond the owners of the business sponsoring the plan (or their spouses). However, you if operate a money purchase or profit sharing plan with common law employees you should be aware of the to keep up to date on fee disclosure regulations for plan sponsors and plan participants.

Fidelity's Responsibility

1. provide the plan document.

Defined Contributions Retirement Plan Document (PDF) is qualified and approved by the IRS and updated as required.

2. Maintain accounts

Fidelity will provide the self-employed brokerage account(s) on our platform and the custodial agreement that outlines the rules and agreement for the account(s). Please see Establish Your Accounts .

3. Provide an Annual Valuation Statement (AVS) for the plan annually

The AVS is available online and/or mailed annually in late April.
A detailed explanation is on the Understanding form 5500 page.

4. Prepare tax forms for participants

IRS form 1099-R for each year distributions or rollovers are processed out of an account.

5. Offer planning and investment guidance

Choose your investments using our exceptional online tools and data. Our experienced representatives can also help you make an informed decision.
For more information on how we can help you with investment management, planning, and advice, please see What We Offer .

Helpful resources

IRS 401(k) plan Fix-It Guide
The Employee Plans Compliance Resolution System (EPCRS)
I RS 401(k) plan additional resources
IRS Website
Understanding form 5500

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$0.00 commission applies to online U.S. equity trades, exchange-traded funds (ETFs), and options (+ $0.65 per contract fee) in a Fidelity retail account only for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (historically from $0.01 to $0.03 per $1,000 of principal). A limited number of ETFs are subject to a transaction-based service fee of $100. See full list of ETFs subject to this service fee here . There is an Options Regulatory Fee that applies to both option buy and sell transactions. The fee is subject to change. Other exclusions and conditions may apply. Employee equity compensation transactions and accounts managed by advisors or intermediaries through Fidelity Institutional ® are subject to different commission schedules.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Before trading options, please read Characteristics and Risks of Standardized Options . Supporting documentation for any claims, if applicable, will be furnished upon request.

No account fees or minimums to open Fidelity retail IRA accounts. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs), and commissions, interest charges, and other expenses for transactions, may still apply. See Fidelity.com/commissions for further details.

Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

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

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Tax Advantages of Self-Employed 401(k)s

A Self-Employed 401(k) may substantially reduce your current income taxes because generally, you can deduct the entire amount of your plan contributions from your taxable income each year.

If your business is unincorporated, you can deduct contributions for yourself from your personal income.
If your business is incorporated, you can generally deduct contributions as a business expense.

Note: Fidelity also offers a Profit Sharing Plan which lets you contribute the same amount as a SEP-IRA. A Profit Sharing Plan may be better suited for your needs if you have multiple employees and want more restrictive eligibility requirements to participate in the plan. Please contact a Fidelity retirement representative at 800-544-5373 and say "retirement representative" to receive more information.

Contribution methods depend on the business structure, and include:

Mobile check deposit through Fidelity's mobile app (account owner must log in)
On Fidelity.com from an individual account or via Electronic funds transfer (ETF) from a personal bank account (generally only for sole proprietors/owner-only businesses.)
By check, mailed or deposited at an investor center. View/download contribution remittance form. If funding multiple accounts with one check, please include a spreadsheet with the instructions to split between accounts
By BillPay from a personal business account used for the business, or a business bank account.
By phone through a representative from an established Fidelity account used primarily for the business.

See all Self-employed 401(k) FAQs

Important Information Virtual Assistant is Fidelity’s automated natural language search engine to help you find information on the Fidelity.com site. As with any search engine, we ask that you not input personal or account information. Information that you input is not stored or reviewed for any purpose other than to provide search results. Responses provided by the virtual assistant are to help you navigate Fidelity.com and, as with any Internet search engine, you should review the results carefully. Fidelity does not guarantee accuracy of results or suitability of information provided. Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money. Fidelity does not provide legal or tax advice, and the information provided is general in nature and should not be considered legal or tax advice. Consult an attorney, tax professional, or other advisor regarding your specific legal or tax situation. Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 796549.1.0

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Fidelity Advantage 401(k)℠

A 401(k) built for your small business.

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Treat your employees to a retirement plan. Use code GET500 to get $500 off Fidelity Advantage 401(k) before Dec 31. 1

Your business has a big advantage: your people.

They work hard for you every day. Now you can help them save for retirement with a plan that works for your size, budget, and schedule—backed by the security and expertise of Fidelity. Let us show you how.

We’re well-positioned to support you

With over 40 years’ experience managing 401(k) plans, Fidelity has the insight and tools to deliver a simplified and affordable retirement plan built for small businesses like yours.

Affordable, transparent pricing

A straightforward, low-cost pricing structure lets you participate in Fidelity Advantage 401(k) with no surprises, and you may also be eligible for new tax credits. 1

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Simplified fund lineup

Based on our research team’s proprietary fund evaluation process, we’ve selected a diversified investment lineup to support the retirement goals of you and your employees.

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Less plan management

As the plan fiduciary, we do more so you can do less. This allows you to offer a retirement plan to your employees with less administrative stress and risk than is typically associated with traditional 401(k) plans.

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As the plan administrator, we’ve taken care of the complex decisions for you. Our plan is designed to reduce the work on your end so you and your employees can start saving for retirement faster.

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INTEGRATION
FINANCIAL WELLNESS

1. This offer is valid through December 31, 2024. To qualify for this $500 credit, you must complete our contact form on or before December 31, 2024 and be eligible for Fidelity Advantage 401(k). The contact form can be found at the top of this page and is labeled “Contact us.” This offer applies for new Fidelity Advantage 401(k) customers only and will be honored at the time of payment.

2. The maximum annual credit is the greater of $500 or $250 per eligible non-highly compensated employee up to $5,000. The credit cannot exceed 50% of qualified startup costs paid or incurred during a tax year for businesses with between 51 and 100 employees. For businesses with up to 50 employees, the credit may not exceed 100% of qualified startup costs paid or incurred during a tax year. Estimated based off the number of employees above and assumes two highly compensated employees (defined as having annual gross salaries over $150,000). The employer may benefit from additional tax deductions on fees and matching employer contributions, and may be eligible for additional tax credits for five years of up to $1,000 per employee equal to the applicable percentage of eligible employer contributions to an eligible employer plan. Certain other restrictions apply with respect to these additional tax credits. Please consult your tax or legal advisor for more information.

Investing involves risk, including risk of loss

Diversification and asset allocation do not ensure a profit or guarantee against loss.

Fidelity Advantage 401(k) is a service mark of FMR LLC.

For plan sponsor and investment professional use only.

Some products and services described on this website are not available outside the United States.

The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.

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