It all starts with seeing what's possible. We can help you bring your goals into focus and create a clear plan with actionable steps that leaves you feeling good. That's The Planning Effect, from Fidelity.

Fidelity Investments operates a brokerage firm, manages a large family of mutual funds, provides fund distribution and investment advice, retirement services, index funds, wealth management, securities execution and clearance, asset custody, and life insurance.

Explore what Fidelity has to offer. Try our retirement planning experience for free. Sign up, see where you stand, and save your plan.

The Fidelity Planning & Guidance Center can help you every step of the way, from building your plan to maintaining it over time. It factors in variables like inflation, Social Security, unpredictable markets, and tax considerations to help you develop a strategy for saving and investing.

By age 40, you should have accumulated three times your current income for retirement. By retirement age, it should be 10-12 times your income at that time to be reasonably confident that you'll have enough funds. Seamless Transition: enough to replace 60%-100% of your pre-retirement annual income.

Fidelity is a multidimensional construct focused on providing evidence of adherence, quality, dosage, differentiation, and responsiveness following implementation.

Fidelity is something that is important in any relationship. It is an indicator of the value and trust both partners place in the relationship.

Costs. Fidelity has ranked highly in our Best for Low-Cost category every year. It offers commission-free online trading in U.S. stocks and ETFs, and there are no account fees or minimums to open a retail brokerage account.

Fidelity's guideline: Save 10x your income by age 67.

Withdraw too little and you may not live the life you want to in retirement. Our guideline is to limit withdrawals to 4% to 5% of your initial retirement savings 4 , then keep increasing this withdrawal based on inflation. Read Viewpoints on Fidelity.com: How can I make my savings last?

But when retirement arrives, Fidelity recommends that your savings should cover 45% of your income needs, with Social Security covering the rest.

The 4% rule suggests that a $1.5 million portfolio will provide for at least 30 years approximately $60,000 a year before taxes for you to live on in retirement.