The Fidelity Advisor 529 Plan Start investing today. Be ready for college tomorrow. Not FDIC Insured May Lose Value No Bank Guarantee

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1 The Fidelity Advisor 529 Plan Start investing today. Be ready for college tomorrow. Not FDIC Insured May Lose Value No Bank Guarantee

2 Learning Objectives Upon completion of this seminar you will be able to: Communicate to clients the importance of college savings in light of escalating costs Explain how a 529 works and its potential tax advantages Review the features of different college savings options 2 This seminar is defined as basic level for your continuing education credit.

3 Many Underestimate Future Costs of College Parents of kids in high school underestimated the cost of college by an average of $70,000 What Parents of Kids in High School Estimate Four Years of College will Cost Average Projected Sticker Price for Four Years of College 1 $218,000 + $145,000 $143,000 + College costs are increasing an average of 3% per year $77,000 Public Institution Private Institution Public Institution Private Institution 3 Source: Fidelity Investments 2016 College Savings Indicator Study, August College Board, Trends in College Pricing 2016, October Estimates assume the cost of college is growing at 2.98% each year. A straight average of total charges (tuition, fees, room and board) for a combination of public and private four-year colleges was used for this calculation. Note that total expenses include books, supplies, transportation and other costs.

4 The College Savings Gap Continues to Grow Parents intend to cover more but are on track to cover less 1 The Amount Intended to Cover Continues to Increase The Amount on Track to Cover Continues to Decrease 62% 70% 34% 29% About the Fidelity Investments 2016 College Savings Indicator Study: As part of the study, Fidelity conducted a survey of parents with college-bound children of all ages. Parents provided data on their current and projected household asset levels, including college savings, use of an investment advisor, and general expectations and attitudes toward financing their children's college education. Using Fidelity's proprietary asset-liability modeling engine, the company was able to calculate future college savings levels per household against anticipated college costs. The results provided insight into the financial challenges parents face in saving for college. Data for the Indicator (number of children in household, time to matriculation, school type, current savings, and expected future contributions) was collected by Boston Research Technologies, an independent research firm, through an online survey from May 13 to June 12, 2016, of 2,196 parents nationwide with children aged 18 and younger who are expected to attend college. The survey respondents had household incomes of $30,000 a year or more, and were the financial decision-makers in their household. College costs were sourced from the College Board's Trends in College Pricing Future assets per household were computed by Strategic Advisers, Inc. (a registered investment adviser and wholly owned subsidiary of FMR LLC). Within Fidelity's asset-liability model, Monte Carlo simulations were used to estimate future assets at a 75 percent confidence level. The results of the Fidelity College Savings Indicator may not be representative of all parents and students meeting the same criteria as those surveyed for this study.

5 Invest in a Child s Future The Fidelity Advisor 529 Plan can help make a college education happen College is the second-most important saving goal for parents, ahead of both retirement and general savings. 1 Tax Advantages Control and Flexibility Accelerated Gifting When you invest your money for college in a 529 plan, your earnings grow tax deferred and withdrawals are free from federal income taxes. 2 Unlike other savings accounts, a 529 offers the owner complete control of the account, even after the beneficiary turns 18. Accelerated gifts may increase a 529 plan account balance over time, thanks to compounding. 1 How America Saves for College, Sallie Mae, When used for qualified higher education expenses such as tuition and room and board. 5

6 Give a Gift That Gives Back Accelerated gifts: Good for the receiver and the giver Receiver Accelerated gifts may increase a 529 plan account balance over time, thanks to compounding. Giver Assets gifted to a 529 plan are considered immediately removed from the donor s estate, which may help reduce or eliminate estate taxes. Gifting-limit numbers per beneficiary: Single Filer $70,000 Married Filer $140,000 6 In order for an accelerated transfer to a 529 plan (for a given beneficiary) of $70,000 (or $140,000 combined for spouses who gift split) to result in no federal transfer tax and no use of any portion of the applicable federal transfer tax exemption and/or credit amounts, no further annual exclusion gifts and/or generation-skipping transfers to the same beneficiary may be made over the same five-year period, and the transfer must be reported as a series of five equal annual transfers on Form 709, United States Gift (and Generation-Skipping Transfer) Tax Return. If the donor dies within the five-year period, a portion of the transferred amount will be included in the donor s estate for estate tax purposes.

7 Exempt from the Federal Gift Tax Accelerated gifts: Contribute up to five years worth of gifts in one year with no gift tax. 1 Grandparents $140,000 Grandchild 1 $140,000 Grandchild 2 $140,000 Grandchild 3 This chart demonstrates how grandparents immediately reduced their estate by over $420,000 with a maximum five-year gift to three different grandchildren. 7 1 No further gifts to the same beneficiary may be made over the next five-year period. The gift must be reported as a series of five equal annual gifts on federal gift tax returns. See the Offering Statement for more information.

8 Make the Most of Every Dollar Tax-deferred investing may translate into more money for college $200,000 $150,000 $100,000 Tax-deferred (529) account $181,121 $149,473 Over 18 years, an advantage of more than $31,000 $50,000 Taxable account $- $ Years 8 HYPOTHETICAL EXAMPLE This hypothetical example compares the after-tax amounts potentially available at the end of the 18 years after investing in a tax-deferred (529 plan) account versus a taxable account. Assumptions include an initial after-tax investment of $10,000 and a $350 monthly after-tax investment at a 7% annual rate of return compounded monthly for 18 years for the taxdeferred (529 plan) account. The taxable account assumes an imputed constant annual federal income tax rate of 25% on earnings. Local and state taxes, inflation, fees, and/or expenses are not taken into account. If they had been deducted, performance would have been lower. The ending value of the tax-deferred (529 plan) account assumes all distributions will be used for qualified higher education expenses and, therefore, are federal income tax free. Investors may realize capital gains or capital losses in any year that they sell fund shares within a taxable account, although this example does not take into account capital loss carried forward or other tax strategies used to reduce taxes that could be incurred in a taxable account. Lower capital gains or dividend tax rates or tax rates in general would make the return for the taxable account more favorable. The earnings on distributions from a 529 plan not used for qualified higher education expenses are subject to federal income taxes and a 10% penalty. See last slide for important information on all hypothetical examples.

9 Capture the Greatest Growth Potential Consider the financial advantage of investing as early as possible HYPOTHETICAL EXAMPLE Invest $350 a month for 18 years in a tax-deferred account assuming a 7% annual rate of return. Age of Child When Investing Begins Years until College Potential Accumulation by College Age Newborn 18 $148,154 1 year old 17 $124,389 3 years old 15 $109,502 5 years old 13 $87,765 9 The chart is not intended to predict or project the performance of any investment. Past performance is no guarantee of future results. Assumptions include regular monthly investments of $350 into a tax-deferred account (529 plan) at a 7% annual rate of return compounded monthly over a series of different time periods (18, 17, 15, and 13 years). The regular monthly contributions are assumed to be made at the beginning of each month. Local and state taxes, inflation, fees, and/or expenses are not taken into account. If they had been deducted, performance would have been lower. The ending value of the tax-deferred (529 plan) account assumes all distributions will be used for qualified higher education expenses and, therefore, are federal income tax free. Any earnings on nonqualified distributions from 529 plan accounts are subject to federal income taxes at the distributee s rate as well as a 10% federal penalty tax. Periodic investment plans do not guarantee a profit or protect against a loss in a declining market. See last slide for important information on all hypothetical examples.

10 Invest Regularly Regular contributions over time can really add up* HYPOTHETICAL EXAMPLE $350 $400 $1,000 $10,000 $231,399 It s simply a Total saved for college Contribute $350 every month for 18 years Contribute $400 each December as a gift Add $1,000 for your child s birthday each year Begin with a $10,000 initial investment matter of setting an investing schedule and sticking to it. 10 The hypothetical illustrates the aggregate growth (total ending balance) of four monetary scenarios in a tax-deferred (529 plan) account over 18 years, assuming a 7% annual rate of return. All investments are made at the beginning of each month. Contributions to a 529 plan account must be made with after-tax dollars. The total investor contribution is $110,800. Total gifts to an individual that exceed the annual federal exclusionary amount may be subject to federal gift taxes. The ending value of the tax-deferred 529 plan account assumes all distributions will be used for qualified higher education expenses and, therefore, are federal income tax free. Any earnings on nonqualified distributions from 529 plan accounts are taxable at the distributee s income tax rate and are subject to a 10% federal penalty tax. Past performance is no guarantee of future results. Your performance will vary, and you may have a gain or loss when you sell your units. Periodic investment plans do not ensure a profit or protect against a loss in a declining market. * Local and state taxes, inflation, fees, and expenses were not taken into account. If they had been deducted, performance would have been lower. These hypotheticals are not intended to predict or project the investment performance of any security.

11 Minimal Impact on Financial Aid A 529 plan affects financial aid less than many people realize Earnings from a 529 used to pay for college expenses are not considered part of parental or child income. Today s federal financial aid formula considers roughly: 5% of parents assets (for example, a 529 plan) 20% of child s assets in a tax deferred account (for example, an UGMA/UTMA) The College Board,

12 Savings Plan Options 529 plans compare favorably 529 Plans Coverdell ESAs UGMA/ UTMAs Roth IRA Participant controls assets Qualified distributions are federal income tax free Unlimited tax-deferred investment earnings Use for noneducation expenses without penalty No income restrictions Gifts up to $70,000 in a single year per beneficiary* 12 * In order for an accelerated transfer to a 529 plan (for a given beneficiary) of $70,000 (or $140,000 combined for spouses who gift split) to result in no federal transfer tax and no use of any portion of the applicable federal transfer tax exemption and/or credit amounts, no further annual exclusion gifts and/or generation-skipping transfers to the same beneficiary may be made over the five-year period, and the transfer must be reported as a series of five equal annual transfers on Form 709, United States Gift (and Generation-Skipping Transfer) Tax Return. If the donor dies within the five-year period, a portion of the transferred amount will be included in the donor's estate for estate tax purposes.

13 In-State versus Out-of-State 529 Plans Calculating the actual benefit HYPOTHETICAL EXAMPLE* You invest $10,000 in an in-state 529 plan Your state allows you to deduct $2,000 The state tax rate is 5% You are in the 33% federal tax bracket 1 Multiply state s maximum allowed deduction by state tax rate. 2 State tax rebates are taxed at federal tax levels. Multiply the bracketed figure by (1 federal rate). $2,000 deduction 5% tax rate x $67 = [$100] x (1 33%) benefit Visit institutional.fidelity.com/529 for a link to the State Tax Deduction Calculator. 13 * Not based on any specific state s 529 tax deduction or state income tax rates.

14 Choose the Investment Tradition of Fidelity The Fidelity Advisor 529 Plan offers a fluid, age-based approach to help meet changing allocation needs Asset Class Age College 18+ U.S. Equity Funds 67% 58% 49% 41% 32% 23% 14% 14% Non-U.S. Equity Funds* 29% 25% 21% 17% 14% 10% 6% 6% Bond Funds 5% 17% 30% 36% 42% 49% 50% 50% Short-Term Funds 0% 0% 0% 6% 12% 18% 30% 30% MORE AGGRESSIVE LESS AGGRESSIVE Portfolio allocations shift gradually each year. Active Asset Allocation Fidelity managers have the flexibility to adjust major asset classes by +/- 10% 1 Active allocation can help improve returns and potentially mitigate risk * Includes developed-market and emerging-market funds. This table illustrates the approximate target asset allocation for the Fidelity Advisor 529 Plan Age-Based Portfolios and how these allocations may change over time. Due to rounding and/or cash balances, asset allocations may not equal 100%. Asset allocation percentages are based on long-term strategic weights and may not align with actual current weights. 1 In the early savings/accumulation years, we would not expect the active asset allocation range for equities to exceed 95%. 14 This table is not intended to represent current or future allocations in any portfolio.

15 Fitting a 529 Plan into Your Overall Financial Plan Your advisor can help 8 Age-Based Portfolios Gradual, automatic reallocation of portfolio assets 2 Static Allocation Portfolios Fidelity Advisor 529 Aggressive Growth Portfolio 17 Individual Fund Portfolios Fidelity Advisor 529 Moderate Growth Portfolio Domestic Equity Portfolios Fidelity Advisor 529 Dividend Growth Portfolio Fidelity Advisor 529 Equity Growth Portfolio Fidelity Advisor 529 Equity Income Portfolio Fidelity Advisor 529 Growth Opportunities Portfolio Fidelity Advisor 529 New Insights Portfolio Fidelity Advisor 529 Small Cap Portfolio Fidelity Advisor 529 Stock Selector Mid Cap Portfolio Fidelity Advisor 529 Value Strategies Portfolio International Equity Portfolio Fidelity Advisor 529 Diversified International Portfolio Fixed Income Portfolios Fidelity Advisor 529 High Income Portfolio Fidelity Advisor 529 Inflation-Protected Bond Portfolio Fidelity Advisor 529 Limited Term Bond Portfolio* Fidelity Advisor 529 Strategic Income Portfolio Fidelity Advisor 529 Total Bond Portfolio Asset Allocation Fidelity Advisor 529 Global Strategies Portfolio Fidelity Advisor 529 Strategic Dividend & Income Portfolio Money Market Portfolio Fidelity Advisor 529 Money Market Portfolio 15 The FA 529 High Income Portfolio impose a 1% short-term redemption fee on units held less than 90 days. See Offering Statement for more details. * Prior to 10/30/13 the portfolio was named FA 529 Intermediate Bond Portfolio. You could lose money by investing in this 529 money market investment option. Although the money market fund in which your investment option invests (the underlying fund ) seeks to preserve its value at $1.00 per share, the underlying fund cannot guarantee it will do so. An investment in this 529 money market investment option is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund s sponsor has no legal obligation to provide financial support to the underlying fund, and you should not expect that the sponsor will provide financial support to the underlying fund at any time.

16 Invest in a Lifetime Your advisor can help you build your plan 1 Open an account 2 Let it grow 3 Get ready for college People with a bachelor s degree earn 84% more over a lifetime than high school graduates* * Georgetown's Center on Education and the Workforce, August

17 Fidelity Advisor 529 Workplace Program A great addition to your benefits package Low cost Easy to implement May help improve employee retention Differentiates you to prospective employees Convenient contribution options: Checking account withdrawal Payroll direct deposit* 17 * Ask your payroll provider if he or she can process an Automated Clearing House (ACH) file in the required format.

18 Fidelity Makes Participation Easy Simple for you, simple for your employees Complete application to open account Select deduction amounts and investments* Designate beneficiaries Choose contribution method Participant will receive quarterly statements from Fidelity summarizing all account activity 18 * Federal tax law does not allow participants to have direct or indirect control over the investments in a 529 plan account.

19 Your Advisor Makes It Even Easier Your advisor is at your side throughout the process Assists in plan implementation Helps you choose appropriate funding options Provides materials to encourage participation Conducts enrollment meetings Helps employees select investments Communicates plan enhancements 19

20 Not FDIC Insured May Lose Value No Bank Guarantee The Fidelity Advisor 529 Plan is offered by the state of New Hampshire and managed by Fidelity Investments. If you or the designated beneficiary is not a New Hampshire resident, you may want to consider, before investing, whether your state or the designated beneficiary's home state offers its residents a plan with alternate state tax advantages or other state benefits, such as financial aid, scholarship funds, and protection from creditors. Not NCUA or NCUSIF insured. May lose value. No credit union guarantee. Fidelity Investments & Pyramid Design is a registered service mark of FMR LLC. Unless specifically indicated in an investment option s detailed description, principal invested is not guaranteed at any time, including at or after the target date. Consider your current and anticipated investment horizon and income tax bracket when making an investment decision, as the illustrations presented may not reflect these factors. Systematic investing does not ensure a profit and does not limit loss in a declining market. All hypothetical examples are for illustrative purposes only and do not represent the performance of any security. The assumed rate of return used in these examples is not guaranteed, and you may have a gain or loss when you sell your units. Investments that have potential for a 7% annual rate of return also come with risk of loss. The tax and estate planning information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. Fidelity does not provide legal or tax advice. Fidelity cannot guarantee that such information is accurate, complete, or timely. Laws of a particular state or laws that may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of such information. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact on pre- and/or after-tax investment results. Fidelity makes no warranties with regard to such information or results obtained by its use. Fidelity disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Always consult an attorney or tax professional regarding your specific legal or tax situation. Before investing, consider the Plans investment objectives, risks, charges, and expenses. Contact Fidelity or visit institutional.fidelity.com for a free Offering Statement. Read it carefully before investing FIAM-BD FIDELITY INVESTMENTS INSTITUTIONAL SERVICES COMPANY, INC., 500 SALEM STREET, SMITHFIELD, RI

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