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Account Types

As a truly open-architecture, flexible firm we can offer any account type available through our custodians and their affiliations. Currently Fidelity Institutional handles all types of accounts, including:

Brokerage Accounts

The basic account is an “investment only” account and features:
• Securities trading
• Option and margin capability
• Money market fund sweeps
• FDIC-insured money market account sweep option
As add-on features client may request a brokerage account with cash access.
It features the same benefits listed above, plus:
• A debit card
• Checkwriting

Retirement Accounts

Individual Roth and traditional retirement accounts
Small business Qualified Retirement Plans (QRP) such as the SEP-IRA, SIMPLE IRA, and Self-Employed 401(k)
Large company plans such as Company Retirement Accounts (CRA)
Defined contribution plans such as 401k plans

In addition, Brokerage accounts maintained with Fidelity Brokerage Services LLC ("FBS"), a Fidelity Investments company, are protected by the Securities Investor Protection Corporation ("SIPC") up to $500,000 (including cash claims limited to $100,000). FBS has arranged for additional insurance protection for cash and securities to supplement its SIPC coverage. This additional protection covers total account net equity in excess of the $500,000/$100,000 coverage provided by SIPC. Neither coverage protects against a decline in the market value of securities. Coverage is an agreement between Fidelity and their contracted insurers.

Fidelity Institutional Wealth Services and The Investment Advisor Alliance (Keeler & Co., LLC) are unaffiliated entities.