Updated September 5, 2026. Quick answer: Fidelity Go charges no advisory fee under $25,000 and 0.35% a year at $25,000 and above, per its own current page. There’s no minimum to open an account, though your balance needs to reach $10 before it actually invests. Unlimited coaching sessions open at the same $25,000 line, described on Fidelity’s own page as “financial coaching,” not a dedicated CFP relationship. We were not able to resolve a discrepancy across secondary sources over the exact SEC CRD number of Strategic Advisers LLC, the entity behind the product, against a primary filing this session, so that specific detail is left unverified rather than guessed.
Fidelity Go at a glance
| Fact | What the company’s own pages say |
|---|---|
| Under $25,000 | No advisory fee |
| $25,000 and above | 0.35%/year |
| Account minimum | None to open; balance must reach $10 to begin investing |
| Coaching access | Unlimited 1-on-1 sessions at $25,000+; described as coaching, not a dedicated CFP relationship |
| Registration | Program provided through Strategic Advisers LLC, an SEC-registered Fidelity/FMR subsidiary |
The $25,000 line that changes everything
Below $25,000, Fidelity Go is genuinely free to hold; above it, the fee is 0.35% a year and coaching access turns on at the same threshold. That makes $25,000 the single number that determines both what you pay and what you get, rather than a gradual scale.
What we couldn’t verify
Secondary sources disagreed on the exact CRD registration number for Strategic Advisers LLC, the entity operating Fidelity Go, and we did not resolve that discrepancy against a primary SEC filing this session. It doesn’t change the fee or minimum figures above, which came directly from Fidelity’s own current page, but if the specific registered-entity detail matters to you, confirm it directly on adviserinfo.sec.gov before relying on any secondary source’s CRD number, including ours.
You have read our assessment of Fidelity Go. Here is the one we are paid to refer you to.
Stated outright because it is the only honest framing next to a form: the service below is our partner, not Fidelity Go, and we are paid when you submit it. Comparing both is reasonable. It is free to you, and it is not the only way to find an adviser.
Before you start, what actually happens. The form is run by Kapitalwise, our advisor-matching partner. Kapitalwise sends your details to advisers who pay for the introduction, so expect calls and texts. Clear Money Guide is paid when you submit the form, whether or not you ever hire anyone. This is free to you and there is no obligation to hire anyone.
The Kapitalwise form opens here. You stay on this page.
What happens when you press the button
It asks about nine questions, age, investable assets, location, then your name, email and phone number, and verifies the phone by text. Nothing loads and nothing reaches Kapitalwise until you press the button.
Before you sign up, five minutes of your own verification
- Read the figures above against the company’s own current pricing page; prices in this category change without much notice.
- If it’s an investment adviser, look it up free on the SEC’s Investment Adviser Public Disclosure site and read its Form ADV Part 2A fee section and any disclosure events.
- Ask directly how the person or advisor you’d actually work with is compensated, not just the headline company fee.
- Run any percentage fee through the Financial Advisor Fee Calculator and the Fee Drag Calculator to see the dollar cost over time, not just the rate.
- Bring our questions to ask a financial advisor to the first call.
Bottom line
A genuinely free option below $25,000 with a straightforward, single-threshold fee structure above it; good for a first robo-advisor account with an existing Fidelity relationship.
Sources
- Fidelity Go overview and pricing: https://www.fidelity.com/managed-accounts/fidelity-go/overview
- Fidelity Go Form ADV Part 2A brochure: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/FGo-FPPA-ADV-2A-2B.pdf
Methodology. This page was materially reviewed on September 5, 2026. Figures came directly from the company’s own current pricing pages, Form CRS, or Form ADV brochures where noted, with sources linked inline; any figure we could not independently confirm this session is named as such above rather than presented as verified.
Independent analysis based on the reviewed company’s own published pages, pricing, and SEC filings where applicable, cited inline with the date we read them. We have not used any of these services as a client. Nothing here is personalized financial, tax, or legal advice. Companies did not pay for, review, or influence this content. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.