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Updated September 28, 2026. Quick answer: $10 for a Fidelity Go Program Account. Fidelity Go’s own Form ADV Part 2A brochure states this figure directly, and the brochure does not offer a general waiver for it. At that minimum, Fidelity Go’s own published fee schedule works out to $0 a year.
The minimum, in the firm’s own words
“There is no minimum to open a Fidelity Go Program Account; however, a Program Account will not be invested according to the selected asset allocation strategy until the Program Account has a balance of at least $10.”
Minimum investment and what it would cost
| Program | Minimum investment | Annual fee at that minimum | Waivable? |
|---|---|---|---|
| a Fidelity Go Program Account | $10 | $0 | No stated waiver |
| Source: Form ADV Part 2A Brochure, March 30, 2026 | |||
Fidelity Go’s own schedule charges nothing at all below $25,000: “Account balances of less than $25,000: No advisory fee.” So the $10 needed to begin management prices at $0 a year, not a percentage of $10; the fee only starts once a Program Account reaches $25,000, where the K74 fee page’s own benchmark figures ($875 at $250,000, and so on) already apply the flat 0.35% rate.
Fidelity Go’s own fee schedule at other balances
| Account balance | Annual fee |
|---|---|
| $250,000 | $875 |
| $500,000 | $1,750 |
| $1,000,000 | $3,500 |
| $2,000,000 | $7,000 |
What else to know
We can, in our sole discretion, change the Program Account opening minimum, the minimum amount at which we will begin managing your account, or the minimum amount at which clients become eligible for the Financial Planning Services at any time.
What a larger account would cost
The minimum is only the entry point. On a $500,000 account, Fidelity Go’s own published fee schedule runs $1,750 a year; see the full dollar breakdown from Fidelity Go’s own fee disclosure across several account sizes. Read our full review of Fidelity Go before you decide.
Already a client and thinking about the minimum a different way, like whether you could get a better deal elsewhere? Read the general mechanics of switching financial advisors, or use a dated termination letter once you decide.
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- Form ADV Part 2A Brochure (March 30, 2026): https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1032885
- SEC Investment Adviser Public Disclosure, Strategic Advisers LLC (CRD #104555): https://adviserinfo.sec.gov/firm/summary/104555
- Strategic Advisers LLC, SEC Form ADV filing: https://reports.adviserinfo.sec.gov/reports/ADV/104555/PDF/104555.pdf
Methodology. This page was built September 28, 2026, quoting directly from Fidelity Go’s own current Form ADV Part 2A / wrap-fee brochure, with the source linked above. The annual-fee-at-the-minimum figure applies that same brochure’s own published fee schedule to the disclosed minimum dollar amount; any distinction we could not independently confirm this session is named as an honest gap rather than presented as verified. Nothing here is personalized financial, tax, legal, or investment advice, and it is not a substitute for reading the firm’s own Form ADV Part 2A. See our Editorial Policy, Corrections, Affiliate Disclosure, and Disclaimer.