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How to Open a SIMPLE-IRA

To establish your plan, please follow the steps below:

	Step One: Establish Your SIMPLE-IRA Plan

	Step Two: Set-Up Electronic Funding

	Step Three: Enroll Your Employees

Establish Your SIMPLE-IRA Plan

Download, print, and read this important information about the Fidelity SIMPLE-IRA Plan (PDF).

Download, complete, sign, and return to Fidelity the following documents:

—	Plan Adoption Agreement (PDF)
—	Company Profile Form (PDF)
—	Return completed originals to:

	Fidelity Investments P.O. Box 770001 Cincinnati, OH 45277-0038

Set-Up Electronic Funding

You have two options to electronically fund your SIMPLE Plan. Please note: You must establish a SIMPLE-IRA account for each eligible employee before funding their accounts.

Option 1: Use Fidelity's own electronic funding service, PlanManager. To start PlanManager, please do the following:

First, please review and print this guide on using PlanManager (PDF).

Next, please download, print and read the important information about the Fidelity Brokerage Funding Account (PDF) and the prospectus for Fidelity Cash Reserves, the fund that will form the core account for your SIMPLE-IRA. Read the prospectus carefully before you invest or send money.

Finally, download, complete, sign, and return to Fidelity the Electronic Funding Service Form. If your company is incorporated, also complete the Corporate Resolution Form.

—	Electronic Funding Service Form (PDF)
—	Corporate Resolution Form (PDF)
—	Return completed originals to:

	Fidelity Investments P.O. Box 770001 Cincinnati, OH 45277-0038

Option 2: Fund your plan electronically from your bank or payroll vendor. To do so, provide your payroll vendor with a copy of the ACH instructions described the EFT Options document (PDF).

Enroll Your Employees

Download, print, customize, and distribute to every eligible employee:

—	Fidelity SIMPLE-IRA Plan Summary Description (PDF)
—	Fidelity SIMPLE-IRA Plan Participant Notice (PDF)

Have every participating employee read:

—	SIMPLE-IRA Employee Enrollment Brochure (PDF)
—	Privacy Statement and Notice of Business Continuity Plans (PDF)
—	Custodial Agreement/Disclosure Statement (PDF)
—	Customer Agreement and Brokerage Commission Schedule and Schedule of Fees (PDF)

Core Position funding options:

—	Prospectus for Fidelity Cash Reserves. This prospectus should be read carefully before investing or sending money.
—	FDIC-Insured Deposit Sweep Program Disclosures (PDF)

Have every participating employee read, complete, and sign the following to set-up their SIMPLE-IRA account:

—	SIMPLE-IRA Application (PDF)
—	Return completed originals to:

	Fidelity Investments P.O. Box 770001 Cincinnati, OH 45277-0038

Have every participating employee complete the following Salary Reduction Agreement:

—	Salary Reduction Agreement (PDF)
—	Forward the completed agreements to your payroll vendor.

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Find out if a SIMPLE-IRA is the appropriate plan for you and your business.

	About the Fidelity SIMPLE-IRA (PDF)

	Call 800-544-5373 to Speak to a Retirement Specialist