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Fidelity Charitable Investment Advisor Program Application, page 1
Complex · 64/100Form Complexity Index

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What this form asks for

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

This application is for enrolling in the Fidelity Charitable Investment Advisor Program (CIAP), which allows donors with a qualified Giving Account® to have their personal investment advisor manage the charitable assets. It requires detailed information about the account holder, the nominated advisor, and the contribution being made. 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 fields298
Pages14
Form Complexity IndexComplex, 64/100

The AI checks your answers before you download

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

Validates Social Security or Taxpayer ID Number Format

This check ensures that all Social Security Numbers (SSN) or Taxpayer ID Numbers (TIN) entered for Account Holders and Individual Successors follow the standard 9-digit format, with or without hyphens (e.g., XXXXXXXXX or XXX-XX-XXXX). This is crucial for tax reporting and identity verification. If the format is incorrect, the system should reject the entry and prompt the user to correct it to prevent processing delays and legal compliance issues.

Ensures Successor Allocation Totals 100%

This validation verifies that the sum of the percentages allocated to all Individual Successors and Charitable Organization Successors equals exactly 100%. This is a critical logical check to ensure the entire account balance is designated upon the death of the last account holder, preventing ambiguity and potential legal disputes. If the total is not 100%, the form submission will be blocked with an error message instructing the user to adjust the percentages.

Prohibits P.O. Box for Legal/Residential Address

This check confirms that the 'Legal/Residential Address' provided for all Account Holders and Individual Successors is a physical address and not a P.O. Box, mail drop, or c/o address, as explicitly stated on the form. This is a requirement for identity verification under anti-money laundering (AML) regulations. A submission with a non-compliant address will fail, requiring the user to provide a valid physical street address.

Conditional Requirement for New vs. Existing Account Holders

This check enforces conditional logic based on whether the applicant is a new or existing account holder. If 'Existing Giving Account Holder' is selected, the 'Giving Account Number' field is mandatory. If 'New Giving Account Holder' is selected, all required fields in the 'Primary Account Holder Details' subsection (e.g., Name, SSN, DOB, Address) become mandatory. This prevents incomplete applications and ensures the correct data is captured for the user's status.

Validates Date of Birth Format and Plausibility

This check ensures that all Date of Birth fields are entered in the specified MM DD YYYY format and represent a valid, plausible date in the past. It prevents data entry errors like invalid months or days and flags dates that are in the future or unreasonably far in the past. Correct birth dates are essential for identity verification and compliance, and failure will result in an error message requiring correction.

Enforces Completeness of Investment Fee Schedule

This validation activates if the advisor selects 'Blended Fee Schedule' or 'Flat Fee Schedule' in Section 2, Part C. It checks that at least one tier, including both an 'Amount' and 'Basis Points', has been entered in the corresponding table. This ensures that the fee structure is clearly defined and can be calculated correctly. An incomplete schedule would result in a validation error, preventing submission until the fee details are provided.

And 7 more checks
  • Mandatory Signature and Date Fields
  • Conditional Mailing Address Requirement
  • Validates Federal Tax ID Number Format for Organizations
  • Conditional Requirement for 'Other' Specification Fields
  • Validates Contribution Details Based on Type
  • Validates Advisor Representative Birthday Format
  • Conditional Signature for Additional Account Holders

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How to Fill Out CIAP Application Online for Free in 2026

What the AI walks you through.

  1. Navigate to Instafill.ai and upload the Charitable Investment Advisor Program Application PDF.
  2. Use the AI tool to automatically fill in Account Holder Information (Section 1), including personal details, Giving Account name, and successor elections.
  3. Provide the Nominated Advisor Firm Information (Section 2), detailing the firm, representatives, and the investment advisory fee schedule.
  4. Specify the details of your Irrevocable Contribution (Section 3), indicating the assets you are contributing, such as cash, securities, or mutual funds.
  5. Complete the authorization for Fidelity Brokerage Customers if applicable (Section 4).
  6. Review all sections carefully, then provide the required digital or physical signatures for all Account Holders and the Investment Advisor (Section 5).
  7. Download the completed application and submit it along with any required attachments via mail or fax as instructed on the form.

Common Mistakes in Completing CIAP Application

The ones the AI is built to catch.

Incorrect Successor Allocation Total
Applicants often miscalculate or forget to ensure that the successor allocation percentages sum to exactly 100%. This mistake occurs in Section 1 when designating how the account balance should be distributed after the account holder's death. An incorrect total will cause the application to be rejected, delaying the account setup until a corrected form is submitted. To avoid this, carefully add the percentages assigned to all Individual and Charitable Organization Successors to confirm they equal 100%.
Missing Signatures from All Required Parties
This application requires signatures from all Account Holders and the nominated Investment Advisor in Section 5, but it is often submitted with one or more signatures missing. This happens because the form requires coordination between the client and their advisor, and one party may forget to sign before it's sent. An incomplete application is invalid and cannot be processed, halting the entire account setup. Ensure all parties have signed in the correct places before mailing or faxing the form.
Using a P.O. Box for the Legal/Residential Address
Applicants frequently enter a P.O. Box or mail drop for their Legal/Residential Address in Section 1, despite an explicit instruction not to. This is done for convenience, but federal regulations require a physical address for identity verification. Using a non-physical address will lead to the application's rejection and require resubmission with a valid street address. Always provide your physical residential address, and use the separate 'Mailing Address' section if you wish to receive mail elsewhere.
Incorrectly Filling Out the Investment Advisory Fee Schedule
The fee schedule in Section 2 is complex, with options for Blended or Flat fees that require filling out a detailed table. Advisors or their staff often select a fee type but fail to complete the corresponding table, or they fill in the table with ambiguous information. This leads to delays and potential billing disputes down the line. To prevent this, the advisor must clearly select the fee type, frequency, and billing style, and meticulously complete the corresponding rate table with exact basis points and asset tiers.
Failing to Complete the Letter of Instruction for Outside Assets
When contributing securities from a firm other than Fidelity, applicants check the box in Section 3 but forget to complete the separate 'Letter of Instruction' at the end of the application packet. This letter is a required legal document that authorizes the asset transfer from the other institution. Forgetting to complete and submit this letter as instructed will prevent the contribution from being made, leaving the account unfunded. Always check if this letter is required for your contribution type and ensure it is filled out and signed by all account owners.
Omitting Required Advisor 'G Numbers'
In Section 2, the form requires 'G Numbers' if the advisor's firm works with Fidelity Clearing & Custody Solutions®. Advisors unfamiliar with the form or in a hurry often overlook this field. The absence of these required identifier numbers prevents Fidelity Charitable from properly linking the advisor to the account, which will delay or block the advisor's nomination. The advisor must provide this information if applicable to ensure a smooth setup process.
Confusing Existing vs. New Account Holder Sections
Applicants sometimes get confused between Section 1A for 'Existing Giving Account Holders' and Section 1B for 'New Giving Account Holders'. An existing holder might unnecessarily fill out all the new account details, or a new applicant might only provide their name and an account number (which they don't have yet). This error leads to processing delays while Fidelity Charitable clarifies the applicant's status. Carefully read the section headings to ensure you are completing the correct part of the form for your situation.
Providing Only a Dollar Amount for Security Contributions
In Section 3, when contributing securities, applicants sometimes write in an 'Approximate Dollar Amount' but leave the required 'Number of Shares' field blank. The form clearly states that trades are transacted in shares, and the dollar amount is only an estimate. This omission makes the instruction non-actionable, as the transfer agent cannot execute a trade for an approximate dollar value. To avoid this, always specify the exact number of shares you wish to contribute.
Misunderstanding the Dividend and Capital Gain Election
The election in Section 2, Part D for handling dividends and capital gains has different default settings for mutual funds versus equities, which can be confusing. An applicant might check a box without fully understanding the implication, leading to an investment strategy that doesn't match their intent (e.g., accidentally having all dividends paid out as cash instead of being reinvested). Carefully review each option to ensure your selection aligns with your advisor's management strategy for the account. AI-powered tools like Instafill.ai can help clarify these choices and prevent such errors.
Submitting an Unsigned or Incomplete Form
Given the form's length and complexity, it's common for applicants to miss filling out a required field (marked with an asterisk) or forget to sign the document in Section 5. This is especially true for paper forms that lack digital validation. An incomplete or unsigned application is invalid and will be returned, causing significant delays. To avoid this, review every page before submission, or use a tool like Instafill.ai, which can convert this PDF into a smart, fillable form that validates data and flags missing required fields and signatures before you submit.

Frequently Asked Questions About CIAP 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 CIAP Application.
Can I fill other forms too?
This plan is for your CIAP 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 CIAP 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 CIAP 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 CIAP Application to fill out?
CIAP Application has a Form Complexity Index of 64 out of 100, in the complex tier: 298 fillable fields across 14 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 Charitable Investment Advisor Program (CIAP) Application?
This form allows you to enroll in a program where your personal investment advisor can manage the assets within your Fidelity Charitable Giving Account®, provided you meet the program's minimum balance requirements.
Who needs to complete and sign this application?
Both the Giving Account Holder(s) and the nominated Investment Advisor must complete their respective sections and sign the form. You will need to work with your advisor to fill out information about their firm and fees in Section 2.
Is there a minimum balance required to participate in this program?
Yes, the program requires a qualified minimum balance in your Giving Account®. The form specifies a $100,000 minimum for the Endowed Giving Program, but you should contact Fidelity Charitable directly for the specific minimum for the CIAP itself.
I already have a Giving Account. Do I need to fill out the entire form?
No. If you are an existing Account Holder, you only need to provide your name and account number in Section 1A and then proceed to the other relevant sections. You do not need to re-enter all your personal details.
How do I contribute securities that are not held at Fidelity?
You must complete the 'Letter of Instruction' on page 13 of the application. This letter authorizes your current brokerage firm to transfer the assets to Fidelity Charitable, and it must be mailed to Fidelity Charitable.
Who determines the investment advisory fees in Section 2C?
The investment advisory fees are set by your nominated advisor's firm, not by Fidelity Charitable. You must work with your advisor to accurately complete this section, which is separate from Fidelity Charitable's own administrative fees.
What is a 'Successor Election' in Section 1?
This section allows you to designate who will take over your Giving Account (an individual successor) or which charities will receive the remaining funds (a charitable organization successor) after your death. You must allocate 100% of the account balance between your chosen successors.
Can I get my contribution back if I change my mind?
No, the form explicitly states that any contribution, once accepted by the Trustees, is an irrevocable and non-refundable gift to Fidelity Charitable.
How do I submit the completed application?
You can submit the form and any required attachments via regular mail, overnight mail, or fax. The specific addresses and fax number are listed on page 11 of the application.
My company wants to open a Giving Account. Can we use this form?
No, this application is for individuals. Corporations and other business entities must use the 'Fidelity Charitable® Organizational Giving Account® Application,' which is available on the Fidelity Charitable website.
What level of access will my advisor have to my Giving Account?
By default, your advisor can view account history, make contributions, and manage successor elections. You can choose to limit their access to only the advisor-managed portion of the assets by checking the box in Section 2B.
Can I use an AI tool to help me fill out this application?
Yes, services like Instafill.ai use AI to accurately auto-fill form fields, which can save you time and reduce errors. This is especially helpful for long forms with repetitive information like names and addresses.
How can I use Instafill.ai to fill out this form online?
Simply upload the PDF to the Instafill.ai platform. The AI will identify the fields, and you can then provide your information once to have it automatically populated throughout the document, which you can then download and print for submission.
What if the PDF I have isn't fillable? Can I still use AI?
Yes, Instafill.ai can convert flat, non-fillable PDFs into interactive, fillable forms. This allows you to easily type your information online before printing, ensuring a clean and legible application.
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