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Fidelity Advisor Investment-Only Retirement Plan Master Application, page 1
Complex · 65/100Form Complexity Index

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What this form asks for

The AI fills all of it, from your answers or your documents.

This form is the master application used to establish a new investment-only retirement plan with Fidelity Advisor Funds. It is essential for employers and plan trustees to provide all necessary details about the plan, trustees, financial representatives, and investment allocations. The application allows for setting up either a single plan-level (omnibus) account or separate participant-level accounts. Today, this form can be filled out quickly and accurately using AI-powered services like Instafill.ai, which can also convert non-fillable PDF versions into interactive fillable forms.
Fillable fields347
Pages13
Form Complexity IndexComplex, 65/100

The AI checks your answers before you download

14 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.

Verifies TIN is Present and Correctly Formatted

This check ensures the Tax ID Number (TIN) in Section 1 is provided and follows the standard XX-XXXXXXX format for an Employer Identification Number (EIN). This number is critical for tax reporting and uniquely identifying the plan entity. A missing or malformed TIN will prevent the account from being opened and may lead to tax compliance issues.

Ensures All Required Account Registration Fields are Complete

Section 1 explicitly states 'All fields are required.' This validation confirms that the Plan Type, Name of Employer, Plan Name, Effective Date, and all details for at least one Plan Trustee/Custodian (Name, Mobile Phone, Email) are filled out. Incomplete information in this section will halt the application process, as it forms the fundamental identity of the account.

Validates Mutual Exclusivity of Investment Allocation Sections

The application requires investment instructions for either a single plan-level account (Section 4) or separate participant-level accounts (Section 5), but not both. This check verifies that data has been entered in only one of these two sections. Submitting both sections creates ambiguity in how funds should be allocated, leading to processing delays or incorrect account setup.

Confirms Participant Allocation Percentages Sum to 100%

For each participant listed in Section 5, if investment allocations are specified as percentages, this rule validates that the percentages for all chosen funds sum to exactly 100%. This is crucial to ensure the participant's entire contribution is allocated without any remainder or deficit. A mismatch would result in an unprocessable instruction and require correction from the applicant.

Matches Trustee Signatures to Listed Trustees

This check verifies that the number of signatures in Section 8 matches the number of trustees/custodians listed in Section 1. It also ensures the names associated with the signatures correspond to the names listed. Missing signatures from any required trustee invalidates the application, as it signifies incomplete authorization to open and manage the account.

Validates Date Format and Plausibility

This rule ensures that all date fields, such as the 'Plan Effective Date' in Section 1 and signature dates in Section 8, are entered in a valid MM DD YYYY format and represent a plausible date. For example, the effective date should not be in the distant future or an impossible date like '02 30 2023'. Incorrect or invalid dates can cause legal, compliance, and record-keeping problems, and will cause the form to be rejected.

And 8 more checks
  • Enforces U.S. Permanent Address Requirement for P.O. Box Users
  • Checks for Required Accompanying Documentation for Specific Plan Types
  • Verifies Singular Plan Type Selection
  • Restricts Class C Shares for Omnibus Accounts
  • Confirms Completeness of Financial Representative Information
  • Ensures Valid Authority Level is Selected for Authorized Persons
  • Validates Presence of Trustee SSN on Certification Form
  • Verifies Signature Guarantee for Resigning Trustee

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How to Fill Out Fidelity Investment-Only Retirement Plan Application Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload or select the Fidelity Advisor Investment-Only Retirement Plan Master Application.
  2. Complete Section 1 with the plan's registration details, including the plan type (e.g., 401(k)), TIN, plan name, and information for all trustees.
  3. Provide the form to your Financial Representative to complete their required information in Section 2.
  4. Indicate your investment choices, and fill out either Section 4 for a single plan-level account or Section 5 for separate participant-level accounts with initial investment allocations.
  5. In Section 6, specify any individuals who are authorized to transact on behalf of the plan and their level of authority.
  6. Carefully review all provided information, then have all trustees sign and date the form in Section 8 to certify the application.
  7. Download the completed, signed form and submit it to Fidelity along with any required supporting documents, such as the Trustee Certification of Investment Authority form.

Common Mistakes in Completing Fidelity Investment-Only Retirement Plan Application

The ones the AI is built to catch.

Incorrectly Choosing Between Omnibus and Participant-Level Accounts
Applicants often get confused and fill out both Section 4 (Omnibus/Plan-Level) and Section 5 (Participant-Level), or they select the wrong one for their plan's needs. This happens due to a misunderstanding of how the plan's assets will be tracked. This error will halt the application process, as Fidelity cannot determine how to structure the account, requiring clarification and resubmission. To avoid this, carefully decide if you will track participant shares yourself (choose Section 4) or if you need Fidelity to set up separate sub-accounts for each participant (choose Section 5), and complete only the corresponding section.
Missing Required Supporting Documentation
The application states that for certain plan types like 401(k)s, Profit Sharing, or Keoghs, the 'Trustee Certification of Investment Authority' form and pages from the governing plan documents are mandatory. People frequently overlook this and submit the main application alone. This results in an incomplete submission, delaying account opening until all required paperwork is received. Always review the 'Helpful to Know' section and create a checklist of all required documents before submission.
Incorrect Signature Validation (Notary vs. Signature Guarantee)
The 'Trustee Certification' form has very specific requirements for signature validation that are often confused. For instance, a resigning trustee (Section 3B) requires a Medallion Signature Guarantee, not a notary stamp. Submitting the wrong type of validation will cause the form to be rejected, as it fails to meet the legal and security standards for the transaction. Carefully read the instructions in each section to determine if a notary or the more stringent Signature Guarantee is required, and obtain it from an eligible financial institution.
Incomplete or Inaccurate Participant Allocation Percentages
When filling out Section 5 for participant-level accounts, the investment allocations for each individual participant must total exactly 100%. It is common for applicants to make calculation errors, resulting in totals that are over or under 100%. This prevents the funds from being allocated, and the application will be returned for correction. To prevent this, double-check the math for each participant's allocation before submitting the form.
Using a Personal SSN Instead of the Plan's TIN
In Section 1, the form asks for the Tax ID Number (TIN) of the plan or trust, explicitly stating not to provide Social Security Numbers of participants. However, applicants sometimes mistakenly enter their personal SSN out of habit. This leads to a fundamental mismatch in account registration, as the account must be tied to the legal entity of the plan, not an individual. This error requires a full correction and can delay the entire setup process.
Forgetting Signatures for All Listed Trustees
Section 8 requires signatures from all trustees named in Section 1. If a plan has two trustees listed on the application, but only one signs the signature page, the form is considered incomplete and cannot be processed. This often happens due to simple oversight or coordination issues between trustees. To avoid this, ensure that every individual listed as a trustee in Section 1 has signed and dated the form in Section 8 before it is submitted.
Unintentionally Defaulting to 'Inquiry Only' Authority
In Section 6, when designating an Authorized Person, applicants must check a box to specify their level of authority (Inquiry, Limited Trading, or All). If no box is checked, the authority defaults to 'Inquiry Only.' This means the designated person can only view account information and cannot execute trades or transactions as may have been intended, leading to significant operational issues later. Always explicitly select the intended authority level for each authorized individual.
Using a P.O. Box Without Providing a Permanent Address
The form allows for a P.O. Box in the 'Mailing Address' field but explicitly requires the 'U.S. Permanent Address' section to be completed in that case. Applicants often provide the P.O. Box but then leave the permanent physical address section blank. Federal regulations require a physical address of record, so this omission will cause the application to be flagged as incomplete, delaying the account opening. If you use a P.O. Box for mail, always fill out the permanent street address section as well.
Submitting an Illegible or Incorrectly Formatted Application
The instructions specify using 'CAPITAL letters and black ink' for manual completion. Applicants may use lowercase letters, colored ink, or have illegible handwriting, which can lead to data entry errors by Fidelity's processing team. Since this is a non-fillable PDF, these manual errors are common. To avoid this, use a tool like Instafill.ai, which can convert the flat PDF into a fillable form, allowing you to type entries clearly and ensure they meet formatting requirements before printing.
Failing to Submit the Correct Form for the Account Type
The application explicitly states it cannot be used to open a Fidelity prototype retirement account, such as a Fidelity Advisor IRA. Applicants who are not familiar with the distinction may mistakenly use this 'Investment-Only' form for a standard IRA. This results in an immediate rejection and requires the applicant to start over with the correct application, wasting significant time. Always confirm with your financial representative that you are using the correct application for your specific retirement plan type.

Frequently Asked Questions About Fidelity Investment-Only Retirement Plan Application

 

Is it really free for 7 days?
Yes. You pay $0 today. Cancel before Nov 8 and you are never charged. Keep it, and it is $19.99 a month for 5 fills of your Fidelity Investment-Only Retirement Plan Application.
Can I fill other forms too?
This plan is for your Fidelity Investment-Only Retirement Plan Application: your own AI agent fills it as often as 5 times a month. To fill other forms and upload your own, choose a Professional plan from your account.
How do I cancel?
From your account, in two clicks, any time. No email, no call.
How does the AI fill out Fidelity Investment-Only Retirement Plan Application?
You answer a few questions in plain words, or upload a document you already have. The AI reads what you give it and puts each answer into the right field of Fidelity Investment-Only Retirement Plan Application, on every page, in seconds. It checks the answers against the form's own rules, and you review and change anything before you download, print or sign.
What happens to my information?
It is encrypted in transit and at rest, and it is never used to train AI.
How complex is Fidelity Investment-Only Retirement Plan Application to fill out?
Fidelity Investment-Only Retirement Plan Application has a Form Complexity Index of 65 out of 100, in the complex tier: 347 fillable fields across 13 pages. Instafill.ai's AI fills it in under a minute, with every field there for you to review before you download.
What is the purpose of the Fidelity Advisor Investment-Only Retirement Plan Master Application?
This form is used to open a new investment-only retirement plan, such as a 401(k) or Profit Sharing Plan, that will invest exclusively in Fidelity Advisor Funds. It serves as the master application for the entire plan.
Who should not use this form?
You should not use this application if you are trying to open a Fidelity prototype retirement account or a Fidelity Advisor IRA. This form is specifically for non-prototype, investment-only retirement plans.
What is the difference between a Plan-Level account (Section 4) and Participant-Level accounts (Section 5)?
Complete Section 4 to open a single 'Omnibus' account for the entire plan, where you or a TPA tracks each participant's share. Complete Section 5 if you want Fidelity to set up separate, individual accounts for each plan participant.
What documents do I need to submit with this application?
For plans like a 401(k), Keogh, or Profit Sharing Plan, you must also submit either the 'Trustee Certification of Investment Authority' form with the first and signature pages of your plan documents, or the entire set of plan documents.
What Tax ID number should I provide in Section 1?
You must provide the Tax Identification Number (TIN) of the plan or trust itself. Do not enter the Social Security Numbers of individual participants or beneficiaries in this section.
Does Fidelity provide recordkeeping or tax reporting for these plans?
No, Fidelity does not provide trustee, recordkeeping, tax withholding, or tax reporting services for accounts established with this application. The plan trustee is responsible for these duties.
How do I add new participants to my plan after it has been established?
To add new participants after the initial setup, you must complete and submit the 'Fidelity Advisor Investment-Only Retirement Account Participant Application' for each new account.
Who needs to sign the application?
All plan trustees or authorized custodians listed in Section 1 must sign and date the form in Section 8. The application cannot be processed without the required signatures.
How can I submit the completed form?
You can submit the form by uploading it online through the Fidelity portal, faxing it, or mailing it. Note that if any attached documents require an original signature guarantee or notary, the entire package must be mailed.
What is the 'Trustee Certification of Investment Authority' form?
This is a separate form used to certify the identity and authority of the trustees acting on behalf of a trust. It is required for certain plan types and must be submitted with specific pages from the trust agreement.
What happens if I submit a check without investment instructions?
If you submit a check for a purchase without specifying which funds to invest in, the money will automatically be invested in the Fidelity Government Money Market Fund, Daily Money Class.
Can I use an AI tool to help fill out this form?
Yes, services like Instafill.ai use AI to auto-fill form fields accurately and save time. This can help you complete the application more efficiently and with fewer errors.
How can I fill out this Fidelity application online?
You can use a service like Instafill.ai to upload the PDF and fill it out directly on your computer. The platform allows you to easily type in your information, add signatures, and download the completed form for submission.
The PDF I have is not fillable. What should I do?
If your PDF is a flat, non-fillable file, you can use a tool like Instafill.ai. It can convert the document into an interactive, fillable form that you can complete and sign electronically.
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