Honest comparison
PeakWorth vs Fidelity Go
Fidelity Go is free under $25k, then 0.35%/yr above. PeakWorth is the planning layer above either side.
The short version
Fidelity Go is a clean, cheap entry-level robo — $0 advisory fee under $25,000, then 0.35%/yr above (slightly above Betterment and Wealthfront), invested in zero-expense-ratio Fidelity Flex funds. It manages money well at small balances. It does not plan. PeakWorth is the planning layer above Fidelity Go or any robo.
Fidelity Go is best for
Investors starting out with under $25k who want a free, hands-off Fidelity-managed account, or anyone who values the zero-expense-ratio Flex funds and a single-firm Fidelity setup.
Under $25,000: $0 advisory fee. $25,000+: 0.35%/yr advisory fee, all-in (Fidelity Flex funds carry no separate expense ratio). $10 minimum to start investing. Fidelity Personalized Planning & Advice ($25k+, 0.50%/yr) layers in CFP coaching.
PeakWorth is best for
Households who want a household-wide plan, FI age, and Decision Hub — not just a managed account at one institution.
14-day free trial. Then $9.99/mo Navigator.
Feature by featureHow they compare
| Feature | PeakWorth | Fidelity Go |
|---|---|---|
Advisory fee under $25k | $9.99/mo | $0 |
Advisory fee at $25k and above | $9.99/mo | 0.35%/yr |
Underlying fund expense ratios | n/a — planning only | $0 (Fidelity Flex funds) |
Account minimum to open | None | $0 (start investing at $10) |
Automated rebalancing | ||
Tax-loss harvesting | Not standard on Fidelity Go | |
CFP coaching access | AI advisor on your numbers (Peak plan) | Personalized Planning & Advice tier (0.50%/yr, $25k+) |
Holds and trades your assets | No — planning only | |
Multi-decade net worth projection | ||
FI age — when work becomes optional | Retirement-readiness check | |
Decision Hub (buy/rent, kids, job change) | Built-in | |
Tax-aware projections Household-wide, marginal bracket, withdrawal order | Within Fidelity Go accounts only | |
Account aggregation (full picture) | Fidelity-held assets | |
Built for dual-income households | ||
Cost on $25k portfolio | $119.88/yr | $0 |
Cost on $100k portfolio | $119.88/yr | $350/yr |
Cost on $500k portfolio | $119.88/yr | $1,750/yr |
Cost on $1M portfolio | $119.88/yr | $3,500/yr |
Run the math on your own portfolio
Open full calculatorReal, after inflation
Above $25,000
USD per year
Fidelity Go (free → 0.35%) fee structure
Fidelity Go: $0 advisory fee under $25k, 0.35%/yr above $25k.
Terminal wealth — flat fee
$2,723,255
Terminal wealth — Fidelity Go (free → 0.35%)
$2,582,280
Foregone wealth from fees
$140,975
after 30 years
Estimates only. Assumes fees come out of returns each year and the flat fee comes out of contributions before they compound. Actual results vary with market returns, tax treatment, and contribution timing.
The real reasonsWhy people switch
- Free under $25k is genuinely good for getting started. The planning conversation is a separate problem, and PeakWorth is built for that.
- Once you cross $25k, Fidelity Go's 0.35%/yr is slightly above Betterment and Wealthfront — and still doesn't include a real plan.
- The Personalized Planning & Advice tier costs 0.50%/yr; on $250k that's $1,250/yr. PeakWorth's Peak plan runs an AI advisor on your real numbers for $19.99/mo flat.
- Tax-loss harvesting isn't a standard Fidelity Go feature — if that's why you'd pick a robo, Betterment or Wealthfront are stronger choices.
Context
Fidelity Go is the cheapest credible robo at small balances — genuinely $0 under $25,000, invested in Fidelity Flex funds that carry no separate expense ratio. Above $25,000 the all-in fee is 0.35%/yr, slightly above the 0.25% charged by Betterment and Wealthfront. Tax-loss harvesting is not part of the standard Fidelity Go service.
If you want CFP coaching layered on, Fidelity sells a separate product — Fidelity Personalized Planning & Advice — at 0.50%/yr above $25,000. That's reasonable for a managed-plus-coached package, but it's still a single-account-aware planning conversation.
Most PeakWorth users keep Fidelity Go (or a regular Fidelity brokerage) for the management and custody piece and use PeakWorth as the planning layer that spans every account, every spouse, and every major decision. For the category-level discussion, see /vs/robo-advisor.
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Run it through PeakWorthFrequently asked
Is Fidelity Go really free?
Under $25,000 in the account, yes — $0 advisory fee, and the Fidelity Flex funds it invests in have no separate expense ratio. Above $25,000 the all-in fee is 0.35%/yr. There are no trade commissions inside the managed account.
Does Fidelity Go do tax-loss harvesting?
Tax-loss harvesting is not a standard Fidelity Go feature. If you specifically want daily, automated TLH on a taxable account, Betterment or Wealthfront are the stronger robo choices. PeakWorth doesn't replace TLH — it plans around whichever robo or broker you choose.
Should I pay for Fidelity Personalized Planning & Advice instead?
That product layers CFP coaching on top of the managed account at 0.50%/yr ($25k minimum). On $250k that's $1,250/yr, on $500k it's $2,500/yr. PeakWorth Navigator is $9.99/mo flat ($119.88/yr) and includes the full Decision Hub; the AI advisor is part of the Peak plan ($19.99/mo). Many households keep Fidelity Go for management and PeakWorth for planning instead.
Does PeakWorth replace Fidelity Go?
No — PeakWorth doesn't hold your money or place trades. The clean stack is Fidelity Go (or a regular Fidelity brokerage) for management and PeakWorth for the multi-decade plan, decision modeling, and AI advisor. See /vs/robo-advisor for the broader robo-vs-planner picture.
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures