Understand the options for your retirement savings.

Understand the options for your retirement savings.

Understand your options

If you're like most investors, your retirement savings may be your largest asset, and deciding what to do with them is one of the most important financial decisions you will make. Now that you're no longer contributing to your former employer's workplace savings plan, you'll want to ensure that you have an appropriate strategy to keep your savings working for you.

A key step is to review the options you have and decide which one makes the most sense for you. Fidelity can help. Give us a call at 877.902.0006 for a complimentary one-on-one consultation with a Fidelity Retirement Representative who knows your plan and can help you assess your options.

Options

Advantages

Things to consider

Leave your money in your former employer's plan

? Continued tax-deferred savings ? Access to same investment choices and managed

money services, if available ? After age 55, penalty-free withdrawals may

be possible

? Potentially fewer investment options ? Withdrawal options may be limited ? Options for your beneficiaries may be limited

Move your money to an IRA

? Continued tax-deferred savings in a Rollover IRA ? Potential for tax-free growth in a Roth IRA ? Opportunity to convert to a Roth IRA for some

or all of your savings, regardless of income ? Consolidation of multiple accounts for ease

of management1 ? More control of your savings -- freedom to make

account transactions when and how you want ? Broad range of investment choices ? Penalty-free withdrawals for education and

first-time home purchase2

? Access to plan-specific investment options and/or pricing

? Special tax treatment for company stock when you take stock in the form of stock certificates (net unrealized appreciation)

? Cannot take a loan from an IRA

Move your money to your current employer's plan3

? Continued tax-deferred savings ? Consolidation of multiple accounts for ease

of management ? Ability to invest in plan-specific investment options

and/or managed-money services ? May be able to take a loan ? May be able to defer required distributions if over

70? and still working

? May have limited number of investment options ? Options for your beneficiaries may be limited ? You will be subject to all provisions of the plan ? Special tax treatment for company stock when

you take stock in the form of stock certificates (net unrealized appreciation)

Take your money in cash

? Immediate access to your savings

? Requires a 20% federal income tax withholding; you may owe more when you file your taxes, depending on your tax bracket

? Potential 10% early withdrawal penalty if you are younger than 59?

? Liquidating your account leaves you with less money for retirement

? Special tax treatment for company stock when you take stock in the form of stock certificates (net unrealized appreciation)

Call 877.902.0006 for your free consultation with a Fidelity Retirement Representative.

1 Keep in mind that fees may apply when closing and consolidating accounts. 2 Up to the $10,000 limit 3 Your new employer's plan must accept the rollover.

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Take control of your savings.

At Fidelity, we believe that simplifying your finances, by bringing retirement assets together in one place, is an important part of a sound financial strategy. Consolidating your savings lets you see your whole financial picture at a glance, giving you more control over your money. Fidelity can help you determine where best to consolidate and manage your existing retirement savings, so you can feel confident your money is working hard for you. We can help you find answers to some of the questions you may have, including:

? Have my plan features changed? ? Do I have the right mix of investments? ? How should I manage my savings going forward?

Call 877.902.0006

Talk to a Fidelity Retirement Representative, who can help you assess your needs and make informed decisions.

Log on to and click on Tools & Learning

You'll get information about your account and access to powerful planning and guidance tools.

With you for the long run

Fidelity can provide the ongoing support you need to realize your unique vision for retirement. We're here to give you the support--and confidence--to help make it a reality.

? A range of financial services -- from do-it-yourself to professional portfolio management where you can have your account managed for you

? Powerful online tools-- helping you make more confident investment decisions ? Easy access to information--available when and how you want, online and over the phone For more than 60 years, Fidelity has been committed to helping individuals succeed through a range of investment options, powerful planning tools, and world-class customer service. Add it all together, and you have a great resource to help you succeed through every stage of your financial life.

Before investing in any mutual fund, please carefully consider the investment objectives, risks, charges, and expenses. For this and other information, call or write Fidelity for a free prospectus or, if available, a summary prospectus. Read it carefully before you invest.

Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions.

Discretionary Management Services are offered by Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. These services provide discretionary money management for a fee.

Investment and workplace savings plan products and services offered directly to investors and plan sponsors are provided by Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917.

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