RIA How To Read Your Statement Brochure - Fidelity …

How to Read Your Statement

Comprehensive investment reporting

Your Statement

Your statement provides a fast and easy way to analyze your portfolio, and provides details on your account(s) activity and positions for the current period. The statement is designed to help you make informed decisions about your portfolio and account, while enabling you to effectively manage your investments and plan for your financial future.

FIDELITY CLEARING & CUSTODY SOLUTIONS 245 SUMMER STREET BOS TON, MA 02210 -1133

Screenshots are for illustrative purposes only.

Fidelity Clearing & Custody Solutions? provides clearing, custody, or other brokerage services through National Financial Services LLC or Fidelity Brokerage Services LLC, Members NYSE, SIPC.

? 2021 FMR LLC. All rights reserved.

504164.6.0

1.533061.115

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

Envelope # 900043677

2

JOHN W. DOE

100 MAIN ST.

BOSTON, MA 02201

3

Your Advisor/Agent

1

AB FINANCIAL ADVISORS ATTN: JOHN ADVISOR

123 MAIN STREET

NEW YORK, NY 10001

Contact Your Advisor/Agent

JOHN ADVISOR Phone: (888) 123-4567

Advisor Message

It is important that AB Financial Advisors and you touch base at least annually to review any changes to your financial situation, investment objectives, risk tolerance, or investment restrictions on your managed account. Please contact Jonathan Williams, CFP at AB Financial if you are interested in meeting or if there have been any changes to your financial situation that may affect your investment strategy.

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Your Portfolio Value Portfolio Change from Last Period:

$3,833,815.21

$11,438.06

Beginning Portfolio ValueZ

Additions Subtractions Transfers Between Fidelity Accounts Net Adjustments Change in Investment Value* Ending Portfolio Value**

Accrued Interest (AI) Ending Portfolio Value Incl. AI

This Period $3,822,377.15

-22,420.23

319.72 34,178.29 $3,833,815.21

$3,833,815.21

Year-to-Date $1,989,344.09

527,491.28 -227.305.18

-37,319.72 319.72

1,581,924.44 $3,833,815.21

* Reflects appreciation or depreciation of your holdings due to price changes, transactions from Other Activity In or Out and Multi-currency transactions, plus any distribution and income earned during the statement period.

** Excludes unpriced securities.

Z If you added or removed an account to your statement-reporting household during this period, the Beginning Portfolio Value and Change from Last Period are based off the accounts that were in the statement household as of the end of the last period and thus may not accurately reflect the updated statement household.

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIPC, (800) 544-6666. Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Portfolio Summary

4

Accounts Included in This Report

Page Account Type/Name GENERAL INVESTMENT

5 John W. Doe - Individual - TOD

Account Number

111-111111

Beginning ValueZ $120,173.95

Net Additions

Change in

& Subtractions T Net Adjustments Investment Value* Ending Value

$13,838.90

-

$1,458.33 $135,471.18

PERSONAL RETIREMENT 20 John W. Doe - Traditional IRA

222-222222

137,232.44

-

-

5,180.68 142,413.12

TRUST

27 John W. Doe - Trust Under Agreement

333-333333

Separate Account Manager: ABC XYZ - Domestic Equity LG Growth

Total Portfolio

117,880.14 $375,286.53

T Includes transfers between Fidelity accounts.

* Reflects appreciation or depreciation of your holdings due to price changes, transactions from Other Activity In or Out and Multi-currency transactions, plus any distribution and income earned during the statement period.

Z If you added or removed an account to your statement-reporting household during this period, the Beginning Portfolio Value and Change from Last Period are based off the accounts that were in the statement household as of the end of the last period and thus may not accurately reflect the updated statement household.

-

$13,838.90 Accrued Interest (AI) Total Including AI

-

4,724.59 122,604.73

$11,363.60

$400,489.03 582.57

$401,071.60

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Portfolio Summary

Income Summary

5 Taxable Dividends Interest Short-term Capital Gains Long-term Capital Gains Tax-exempt Dividends Interest Tax-deferred Return of Capital Liquidations Total

This Period $178.53 178.53 $372.10 372.10 $500.31

$4,000.00 -

$5,050.94

7

Year-to-Date $5,450.67 1,548.81 10.25 391.70 3,499.91 $3,456.97 1,798.10 1,658.87 $7,020.49

$10,500.00 $1,533.47

$27,961.60

Top Holdings

Description Fidelity Government Cash Reserves Fid Conservative Income Bond Fund Fidelity Mass Muni Money Market Massachusetts St College Bldg Auth Massachusetts St College Bldg Auth Massachusetts St Wtr Res Auth Rev Ref Bds Massachusetts St Dev Fin Agy Spl Oblig Massachusetts St Health & Edl Facs Massachusetts St Go Ref Bds Ser.2009B Total

Value $89,139.31

47,113.80 28,892.05 44,382.94 15,375.00 13,859.10 13,710.00 10,744.20 10,165.00

$273,381.40

Percent of Portfolio 22% 12 7 11 4 4 3 3 3

69%

6

Realized Gains and Losses from Sales

(Realized gains and losses from non-retirement accounts only, may not reflect all gains and

losses due to incomplete cost basis.)

Net Short-term Gain/Loss

This Period -

Year-to-Date -$682.58

Short-term Gain

-

391.70

Short-term Loss

-

-1,083.03

Short-term Disallowed Loss

-

8.75

Net Long-term Gain/Loss

$0.00

$1,404.46

Long-term Gain

-

2,982.63

Long-term Loss

-13,992.12

-15,570.29

Long-term Disallowed Loss

13,992.12

13,992.12

Net Gain/Loss

$0.00

$721.88

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIPC, (800) 544-6666. Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

Envelope # 900043677

JOHN W. DOE 100 MAIN ST. BOSTON, MA 02201

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

8 Brokerage JOHN W. DOE - INDIVIDUAL Account Number: 111-111111

9

Your Account Value:

Change from Last Period:

$255,896.43

$6,634.90

10

Your Advisor/Agent

AB FINANCIAL ADVISORS ATTN: JOHN ADVISOR 123 MAIN STREET NEW YORK, NY 10001

Contact Your Advisor/Agent

JOHN ADVISOR Phone: (888) 123-4567

Advisor Message

It is important that AB Financial Advisors and you touch base at least annually to review any changes to your financial situation, investment objectives, risk tolerance, or investment restrictions on your managed account. Please contact Jonathan Williams, CFP at AB Financial if you are interested in meeting or if there have been any changes to your financial situation that may affect your investment strategy.

Beginning Account ValueZ

Additions Subtractions Change in Investment Value* Ending Account Value**

Accrued Interest (AI) Ending Account Value Incl. AI

This Period $249,261.53

10,024.70 -7,247.90 3,858.10 $255,896.43

597.02 $256,493.45

Year-to-Date $255,312.02

22,426.09 -25,349.40

3,507.72 $255,896.43

* Reflects appreciation or depreciation of your holdings due to price changes, transactions from Other Activity In or Out and Multi-currency transactions, plus any distribution and income earned during the statement period.

** Excludes unpriced securities.

Z If you added or removed an account to your statement-reporting household during this period, the Beginning Portfolio Value and Change from Last Period are based off the accounts that were in the statement household as of the end of the last period and thus may not accurately reflect the updated statement household.

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIPC, (800) 544-6666. Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

Multiple Account Statements

Customers with more than one account in their statement household will receive a portfolio summary view of all their accounts. This provides an aggregated view of key information across all accounts within the portfolio. This is in addition to the individual account summaries. (Note: If you have only one account, the portfolio summary will not appear.)

1 Financial Professional Information Provides you with advisor contact information for easy access when making inquiries about your account.

2 Your Portfolio Value Provides the value of all the accounts within the portfolio at a glance.

3 Change from Last Period Indicates the increase or decrease in your portfolio value from the prior period.

4 Accounts Included in This Report Displays a table of contents that includes each account within the portfolio, high-level account summary information, and the specific page on which each account begins.

5 Income Summary Provides a summary of income earned in the current statement period and year-to-date, aggregated across all accounts in the portfolio.

6 Realized Gain/Loss from Sales Provides a summary of your realized gain or loss information during the current statement period and year-to-date. These figures exclude transactions where cost basis information is incomplete, and are aggregated across all accounts in the portfolio.

7 Top Holdings Provides a list of your top 10 holdings across all accounts within the portfolio.

Single Account Statements

The account summary is provided when there is a single account and displays a summary of key account information.

8 Your Account Number Lists the account number for your account.

9 Your Account Value Provides the total value of your account.

10 Change from Last Period Indicates the increase or decrease in your account value from the prior period.

11 Account Summary Provides a summary of your account activity for the current statement period and year-to-date.

12 Income Summary Provides a summary of income earned in the current statement period and year-to-date.

13 Top Holdings Provides a list of the top 10 holdings for this account.

14 Core Account and Credit Balance Cash Flow Provides a summary of investment activity and cash management activity that impacted your core account balance in the current statement period and year-to-date.

15 Realized Gain/Loss from Sales Provides a summary of your realized gain or loss information during the current statement period and year-to-date. These figures exclude transactions where cost basis information is incomplete.

Holdings and Activity for All Statements

The holdings and activity sections will provide detailed information for all holdings and transactions at the account level.

16 Holdings A detailed view of your positions as of the end of the current statement period, including core account/ cash, mutual funds, stocks, bonds, ETFs, loaned/ collateralized, options, and other securities.

17 Activity A recap of transactions that occurred in your account for the current statement period. See details on trading, additions, withdrawals, income, expenses, and other activity.

Your statement is customized to include information about your portfolio and/or account. It may not contain all the sections described here, or it may contain sections in addition to those described here. Contact your investment advisor if you have any questions.

11

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

Account Summary

Net Account Value:

Change in Account Value

Beginning Account Value Additions

Deposits Exchanges In Subtractions Withdrawals Exchanges Out Cards, Checking & Bill Payments Transaction Costs, Fees & Charges Margin Interest Transfers Between Fidelity Accounts Change in Investment Value* Ending Account Value Accrued Interest (AI) Ending Account Value Incl. AI

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Account # 111-111111 JOHN W. DOE - INDIVIDUAL

$1,031,010.92

This Period $1,061,354.25

-$18,935.99 -6,696.44 -12,038.29 -201.26 -11,407.34 $1,031,010.92

8,029.71 $1,039,040.63

$30,343.33

Year-to-Date $1,550,636.15

$51,481.28 604.11

50,877.17 -$805,499.86

-63,478.50 -555,544.22 -156,975.85 -19,644.80

-9,856.49 157,044.42

77,348.93 $1,031,010.92

Free Credit Balance

$191.06

Free credit balances (FCB) include cash credits from the sale of long positions, deposits, cash dividends, and interest payments which have not been transferred to a money market fund or FDIC core position. FCB also includes multi-currency position, FCASH and credit balances that exceed the amount required to satisfy your margin obligations. Refer to the back of your statement for more information.

Balance Details

Market Value of Holdings Net Debit Balance Ending Net Account Value

$1,074,703.94 -43,693.02

$1,031,010.92

*Reflects appreciation or depreciation of your holdings due to price changes, transactions from Other Activity In or Out and Multi-currency transactions, plus any distribution and income earned during the statement period.

Income Summary

Taxable Dividends Interest

Tax-exempt Interest

Return of Capital Total

12

This Period $923.43 923.24 0.19 3,009.94 3,009.94 -

$3,924.37

Year-to-Date $26,806.62

21,515.63 5,290.99

33,786.30 33,786.30

604.11

$61,897.03

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIPC, (800) 544-6666. Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

Account Summary

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Account # 111-111111 JOHN W. DOE - INDIVIDUAL

13 14

Top Holdings

Description Fidelity Government Cash Reserves Fid Conservative Income Bond Fund Fidelity Mass Muni Money Market Massachusetts St Go Ref Bds Ser.2006 B Massachusetts St College Bldg Auth Massachusetts St College Bldg Auth Massachusetts St Wtr Res Auth Rev Ref Bds Massachusetts St Dev Fin Agy Spl Oblig Massachusetts St Health &Edl Facs Massachusetts St Go Bds Ser.2009B

Total

Percent of Value Account

$150,911.25 130,450.00 80,625.60 63,939.50 50,417.50 50,031.50 49,998.50 36,400.74 33,204.99 32,250.00

14% 12

8 6 5 5 5 3 3 3

$678,229.58

64%

Core Account and Credit Balance Cash Flow (continued) Core Account: CASH

Other Activity In Other Activity Out

Total Investment Activity

This Period 15,001.42 -15,001.42

$3,924.37

Cash Management Activity Deposits Withdrawals Checking Activity Debit Card Activity Fees & Charges Margin Interest

Total Cash Management Activity

-6,696.44 -9,873.12 -2,165.17

-201.26

-$18,935.99

Ending Balance

-$43,693.02

Year-to-Date 140,702.83 -140,557.94 $169,983.03

604.11 -63,478.50 -144,237.68 -12,738.17 -19,151.25

-9,856.49 -$248,857.98

-$43,693.02

D Includes dividend reinvestments.

Core Account and Credit Balance Cash Flow

Core Account: CASH

This Period

Beginning Balance

$28,681.40

Investment Activity Securities Bought Securities Sold Dividends, Interest & Other IncomeD Exchanges In Exchanges Out

3,924.37 -

15

Year-to-Date $35,181.93

-$97,906.02 711,818.29

60,592.92 50,877.17 -555,544.22

Margin Information (as of September 28, 2018) Margin balance Maximum amount you can borrow Maximum rate that could currently apply

Realized Gains and Losses from Sales

(May not reflect all gains and losses due to incomplete cost basis)

This Period

Net Short-term Gain/Loss

-

Short-term Gain

-

Short-term Loss

-

Net Long-term Gain/Loss

-

Long-term Gain

-

Long-term Loss

-

-$43,884.08 $478,382.54

7.35%

Year-to-Date -8,301.59 154.35 -8,455.94 6,384.81 15,448.95 -9,064.14

Net Gain/Loss

-

-$1,916.78

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIPC, (800) 544-6666. Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

INVESTMENT REPORT Month 1, YYYY - Month 31, YYYY

Holdings

16

Stocks

Description Common Stock MAPPLE INC (AAPL) MAMERCO COM (UHAL) ENSTAR GROUP LIMITED COM STK USD 1.00 (ESGR) Total Common Stock (24% of account holdings)

Preferred Stock BANK AMER CORP DEP SHS REPSTG 1/1200TH PFD SER 5 (BMLPRL)

M CITIGROUP INC DEP SH REP STG 1/100TH INT NON CUMULATIVE PFD SER F 8.50% (CPRM) ISIN: US1729675561 Total Preferred Stock (8% of account holdings)

Total Stocks (32% of account holdings)

AB FINANCIAL ADVISORS

123 Main Street, New York, NY 10001

Account # 111-111111 JOHN W. DOE - INDIVIDUAL TOD

Quantity

25.00 30.00 100.00

Price Per Unit

$525.31 203.15 137.10

150.00 300.00

$20.230 25.843

Total Market Value

$13,132.75 6,094.50

13,710.00

$32,937.25

Total Cost Basis

$9,350.12 4,149.75

14,510.99

$28,010.86

$3,034.50 7,752.90

$10,787.40 $43,724.65

$2,470.16 6,895.40

$9,365.56 $37,376.42

Unrealized Est. Annual Est. Yield

Gain/Loss Income (EAI)

(EY)

$3,782.63 1,944.75 -800.99

$4,926.39

$304.68 -

$304.68

2.32%

$564.34 857.50

$154.15 616.36

5.08% 7.95

$1,421.84 $6,348.23

$770.51 $1,075.19

17

Bonds

Description

Maturity

Asset Backed Securities FEDERAL NATL MTG ASSN CUSIP: 3136FPEX1 Int. Semi-Annually

12/17/13

Total Asset Backed Securities (7% of account holdings)

INVESTMENT REPORT

Month 1, YYYY - Month 31, YYYY

Quantity 10,000.00

Price Total Market Value Per Unit Accrued Interest (AI)

Total Cost Basis

Unrealized Est. Annual Gain/Loss Income (EAI)

Coupon Rate

$100.00

$10,000.00 $51.25

$10,250.00

AB FINANCIAL $10,000.00

$10,250.00

ADVISORS

123 Main Street, New York, NY 10001

-$250.00 -$250.00

$125.00

1.25%

$125.00

Your Advisor is an independent organization and is not affiliated with Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), Member NYSE, SIAPCcc, (o8u00n)t5#441-61616-61. 11111

Activity Brokerage accounts carried with National Financial Services LLC (NFS), Member NYSE, SIPC.

JOHN W. DOE - INDIVIDUAL TOD

Securities Bought & Sold

Settlement

Date

Security Name

m/dd

SPDR SER TR BARCLAYS CAP HIGH YIELD BD ETF

m/dd

SPDR SER TR BARCLAYS CAP HIGH YIELD BD ETF

Total Securities Bought Total Securities Sold Net Securities Bought & Sold

Symbol/ CUSIP JNK

JNK

Description

You bought Wash sale of 3/8/17: $2,805.50

You sold LT loss: $8,781.90 LT disallowed loss: $8,781.90

Quantity 100

-200

Price $37.17900

36.88200

Total Cost Basis

$6,000.00

Transaction Cost

-$7.95

-7.95

Amount -$3,725.85

7,368.45

-$7.95 -$7.95

-$3,725.85 $7,368.45 $3,642.60

Deposits

Date 05/12

Reference

12/29

Total Deposits

Description Wire Trans From Bank Deposit Received

Withdrawals

Date

Reference

01/06 01/14

EFT FUNDS PAID AD35639794/DIRECTED WIRE TFR TO BANK

Total Withdrawals

Description Money Line Paid Wire Tfr To Bank

Amount $312,500.00

50,256.27 $362,756.27

Amount -$10,000.00

-25,000.00 -$35,000.00

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