Search found 8089 matches

by tfb
Tue Nov 05, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8556

Re: H&R BLOCK Pre-Order 2019 Software Offer

gr7070 wrote:
Mon Nov 04, 2019 9:19 pm
tfb wrote:
Mon Nov 04, 2019 9:04 pm
Did anyone receive an offer for the Premium & Business edition?
$50 offer today. Can't remember how good a deal that is???
Not bad if it's the Premium & Business edition, not just Premium. The black Friday deal was $40 last year.
by tfb
Mon Nov 04, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 112
Views: 8556

Re: H&R BLOCK Pre-Order 2019 Software Offer

Did anyone receive an offer for the Premium & Business edition?
by tfb
Mon Nov 04, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

In your opinion, assuming I wan to use Fidelity, is this the route I should undertake? Any particular questions to ask this TPA prior to taking the plunge? On another note: how challenging is it to open accounts with Fido especially a trust? Can I do this myself or do I need guidance etc? I would, ...
by tfb
Mon Nov 04, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I'm confused about 1 thing...I thought those providers sell a custom plan (which facilitates the mega back door) rather than reselling a prototype plan (which does not support the mega back door). What am I missing? Can you get me straight on that please? A "custom plan" we are talking about here i...
by tfb
Mon Nov 04, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I may be wrong, but I don't think so. A TPA is a 3rd party administrator - someone who is not either the plan provider or the employer (meaning the self-employer). In other words, I don't think TPAs provide plans at all. TPAs typically resell a prototype plan from a wholesale sponsor. If you go wit...
by tfb
Mon Nov 04, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

After reading this thread, I reached out to a TPA. It is $500 to setup this type of Plan and then $500 per year to administer the plan (assuming there is less than $250,000 - $600 if greater). Added fees for distributions and 1099’s in any year that there are distributions. When asked about sub acc...
by tfb
Sun Nov 03, 2019 12:34 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3045

Re: VPNs

Many home wifi routers already have a built-in VPN server. If it's for light use on public wifi or traveling, and speed isn't that important, it's free and you don't have worry about the VPN provider.

https://www.howtogeek.com/221001/how-to ... pn-server/
by tfb
Thu Oct 31, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?
Replies: 19
Views: 1490

Re: Mistakenly Contributed to tIRA, When I Intended Roth IRA. Reversible?

Well, I'm looking at the online process Vanguard sent me to do this. It's very tax-intensive, which all kinds of "consult your tax advisor" warnings. I'm not sure, but I think that they will treat this as a taxable withdrawal from the IRA. I can't "reverse" the transaction. Is that right? Thanks, i...
by tfb
Mon Oct 21, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I will share a data point here for Employee Fiduciary - who allows Mega Backdoor Roth in their custom solo 401(k) per the salesperson I'm in contact with. Their fee schedule per my understanding for their custom, Mega Backdoor Roth-enabled Solo 401(k)s is: 1. $500 one-time establishment fee for new...
by tfb
Mon Oct 21, 2019 10:39 am
Forum: Personal Investments
Topic: Fidelity HSA questions
Replies: 32
Views: 2423

Re: Fidelity HSA questions

I'm not sure of your aversion to debit cards, but this has worked for me. Sometimes the amount gets adjusted. If you are paying at the time of service and it turns out to be an overpayment, getting the money back to the HSA can be a hassle. So it's better to pay by other means, let the dust settle,...
by tfb
Sun Oct 20, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Advice: Windfall Makes Working Worse Than Not Working
Replies: 70
Views: 9836

Re: Advice: Windfall Makes Working Worse Than Not Working

Due to the substantial amount of capital gains we expect next year, it appears even with two tech jobs in California we would actually lose money working for the year compared to moving to a low / no tax state like the ones we previously lived in and not working at all. Are you sure moving to anoth...
by tfb
Sun Oct 20, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: OpenSocialSecurity.com
Replies: 7
Views: 1441

Re: OpenSocialSecurity.com

While I understand the strategy behind filing for my benefits now, along with the spousal benefits, I am at a loss in understanding why the model is advising my spouse to suspend her current benefit “today” and then unsuspending said benefit in December, at age 67. I may likely be unaware of some a...
by tfb
Sun Oct 20, 2019 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I'm going to heed the advice given and seek a TPA to administrate my single participant 401k, including making MBR contributions. Would appreciate insight into what reasonable fees would be. I'm in California, if that makes any difference. Any specific companies recommended? Random search turned up...
by tfb
Sun Oct 20, 2019 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

jt4 wrote:
Sat Oct 19, 2019 9:56 pm
What did you learn from having a TPA administer your Solo 401K?
I have CEBS certification and four years full-time experience working on 401k plans. If you really want to be your own administrator, maybe study the QKA curriculum.
by tfb
Sat Oct 19, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I understand how this statement is sensible for the general population, but this blog tends to be skewed towards a population that is reasonably knowledgable regarding personal finance. Administering a 401k has little to do with personal finance, taxes, or investments. Even CPAs who do personal and...
by tfb
Sat Oct 19, 2019 7:08 pm
Forum: Investing - Theory, News & General
Topic: what was vanguard like before the internet?
Replies: 74
Views: 7301

Re: what was vanguard like before the internet?

For all you index investor out there who are long in the tooth, just curious what you did pre internet. Landline phone and USPS mail. Vanguard had deposit slips. You mail a check and fill in the fund number on the deposit slip. Vanguard still has those fund numbers but most people don't refer to th...
by tfb
Sat Oct 19, 2019 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?
Replies: 110
Views: 5838

Re: Has anyone used MySolo401k.com, DiscountSolo401k.com, or Solo401k.com?

I don't recommend going with any of these providers either. Hire a real TPA for two years. See what they have you do and do for you during the two years. Then follow the same process yourself. This is not the place to go cheap.
by tfb
Sat Oct 19, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Provider choosing to bill as out of network
Replies: 43
Views: 3701

Re: Provider choosing to bill as out of network

It looks like the provider listed was a specific therapist, not the general provider. Basically the in-network reimbursement rate is too low for them but they still want to attract patients through the insurance company's directory. So they join the network, get listed and get you in the door, but ...
by tfb
Sat Oct 19, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Concerning ACA income cliff and home sale
Replies: 1
Views: 307

Re: Concerning ACA income cliff and home sale

The rules for excluding gains:

https://www.irs.gov/taxtopics/tc701

Two separate tests for ownership and use. Both 2 years out of last 5. When it's excluded it doesn't add to MAGI for ACA.
by tfb
Tue Oct 15, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Provider with Mega Backdoor Roth IRA Ability
Replies: 3
Views: 367

Re: 401k Provider with Mega Backdoor Roth IRA Ability

robertmcd wrote:
Mon Oct 14, 2019 11:42 am
Our company is growing and we will be starting a 401k for its employees. We are very small (8-10 employees) maybe get up to 20 or so. Does anyone know of any of the low cost 401k providers that allow for the MBR?
Last I checked Employee Fiduciary allows it.
by tfb
Sat Sep 28, 2019 5:37 pm
Forum: Personal Investments
Topic: 100% Self managing Solo401K with Vanguard
Replies: 11
Views: 1154

Re: 100% Self managing Solo401K with Vanguard

crazycatman wrote:
Fri Sep 27, 2019 9:18 pm
While in communication with APC about this, it seemed my guy was trying to scare me into keeping APC as the plan administrator.
How much does APC charge for administering a solo 401k plan? They may be a good candidate for people who want a custom plan for mega backdoor Roth.
by tfb
Tue Sep 24, 2019 4:05 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth through Fidelity
Replies: 22
Views: 1997

Re: Mega Backdoor Roth through Fidelity

JimmyD wrote:
Tue Sep 24, 2019 3:27 pm
Being that it would take a few months for me to get there, I'm not keen on the money acquiring potential gains while I wait to hit the $1,000 minimum for the Brokerage Link transfer.
How much gain can it possibly achieve on less than $1,000 in a few months? Just keep it simple and don't overthink.
by tfb
Sun Sep 15, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Eligible for Mega-Backdoor Roth (MBR)?
Replies: 12
Views: 917

Re: Eligible for Mega-Backdoor Roth (MBR)?

How do you know it doesn’t allow after-tax non-Roth contributions? Am I missing something? In the section on “Contributions”, it’s silent on the topic. Whereas with a previous plan my DH had, it specifically said these are not allowed. Because otherwise it would be obvious. When you asked the plan ...
by tfb
Sun Sep 15, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Eligible for Mega-Backdoor Roth (MBR)?
Replies: 12
Views: 917

Re: Eligible for Mega-Backdoor Roth (MBR)?

Then why does it say the part about avoided taxes on any after-tax amounts that are rolled into the Roth? If they wanted to limit it to pre-tax, they would have called it a pre-tax account, not a non-Roth account. If there are any after-tax amounts in the rollover, they won't be taxed. That's just ...
by tfb
Fri Sep 13, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Confused about after-tax contributions to 401k plans
Replies: 22
Views: 1670

Re: Confused about after-tax contributions to 401k plans

It looks to me that this activity is not taxed until the employee withdraws these dollars. It seems that these after-tax dollars are advantaged versus after-tax dollars in a truly taxable account. Yes, but for a different reason. These after-tax dollars [usually] can be rolled over to the Roth 401k...
by tfb
Thu Sep 05, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth with Solo 401k @TD Ameritrade
Replies: 11
Views: 805

Re: Mega Back Door Roth with Solo 401k @TD Ameritrade

Keep in mind that this TD Ameritrade basic plan document is now for both one-participant 401k plans and small business 401k plans with non-spouse employees. There are several cases where the underlying 401k plan documents allow a feature, but it is not allowed in their one-participant 401k plans. C...
by tfb
Thu Sep 05, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth with Solo 401k @TD Ameritrade
Replies: 11
Views: 805

Re: Mega Back Door Roth with Solo 401k @TD Ameritrade

The standardized adoption agreement i was provided is called the "Qualified Retirement Plan - Standardized Adoption Agreement" which is different than the file you linked to. There is a section at the end to "specify additional information to be included in the plans adoption agreement" where we ma...
by tfb
Wed Sep 04, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth with Solo 401k @TD Ameritrade
Replies: 11
Views: 805

Re: Mega Back Door Roth with Solo 401k @TD Ameritrade

TD plan document 3.10 Nondeductible employee contributions "a separate account will be maintained by the plan administrator for the nondeductible employee contributions of each participant" is this not speaking to after-tax contributions? i dont see anything that explicitly prohibits the after-tax ...
by tfb
Tue Sep 03, 2019 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Advice for "side-hustle" CFP as accountant? Is it possible?
Replies: 9
Views: 901

Re: Advice for "side-hustle" CFP as accountant? Is it possible?

createplayact wrote:
Mon Sep 02, 2019 10:57 pm
Is there any way I can do what I've described without an official CFP or ChFC designation and charge for the services?
Yes it's possible. Well respected William Bernstein doesn't have any CFP, ChFC, CPA, or CFA designation.
by tfb
Sat Aug 31, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to make SWIFT payment inexpensively
Replies: 10
Views: 710

Re: How to make SWIFT payment inexpensively

whodidntante wrote:
Sat Aug 31, 2019 12:56 pm
True, but Fidelity is also not a bank. Can you wire money to an account that is not registered to you?
I wired U.S. dollars to a tour operator in Africa through Fidelity. Same purpose as the OP, just a different country.
by tfb
Sat Aug 31, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: How to make SWIFT payment inexpensively
Replies: 10
Views: 710

Re: How to make SWIFT payment inexpensively

I assume that free international wires are only available to Private Access clients, right? Fidelity charges all clients $0 for U.S. dollar wire transfers. https://www.fidelity.com/why-fidelity/pricing-fees When an international wire is in U.S. dollars, it's really a domestic wire. Fidelity's bank ...
by tfb
Sat Aug 31, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: How to make SWIFT payment inexpensively
Replies: 10
Views: 710

Re: How to make SWIFT payment inexpensively

I am organizing for a large alum group (80!persons) an African Safari in 2020. This is with an agency in Tanzania who are friends of a friend of mine. This agency gave me SWIFT details for payments. Is SWIFT same as international wire? What will be the cheapest way to send money? The SWIFT details ...
by tfb
Wed Aug 28, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: [Have to keep job just for health insurance. Any ideas on insurance replacement?]
Replies: 20
Views: 1549

Re: Really?? My FIRE comes down to heath insurance?? Depressing!

The way my deferred comp would come in I likely would not get ACA tax credits until year 3 out of work....So paying a lot for healthcare, even if we dont use it. How much is a lot exactly? $50k/year for 3 years? Carve out $150k out of your assets for it. Re-run the numbers. As someone already said,...
by tfb
Tue Aug 27, 2019 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Question about effective date of i401k after amendment
Replies: 1
Views: 158

Re: Question about effective date of i401k after amendment

The effective date of my amendment when I moved the i401k to Schwab a few weeks ago was January 1, 2019. The retirement folks at Vanguard recommended having the new effective date of the amendment moving the i401k to Vanguard be January 2, 2019. I would leave the plan at Schwab for at least a year,...
by tfb
Mon Aug 26, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated quarterly taxes for newly-formed LLC
Replies: 8
Views: 503

Re: Estimated quarterly taxes for newly-formed LLC

Given that it is a new entity, how would the IRS know sans-audit that I recorded income in Q1/Q2 in order to pay estimated quarterly taxes, or that I was going to have any estimated taxes to pay? The LLC doesn't pay tax. You pay the tax as a person. If you have other withholding, say from a day job...
by tfb
Wed Aug 21, 2019 8:30 pm
Forum: Personal Investments
Topic: Keep rollover out of market 2days for access to higher rate mm fund?
Replies: 6
Views: 537

Re: Keep rollover out of market 2days for access to higher rate mm fund?

As soon as funds become available to trade buy into fdzxx for in the ira long enough for it to settle and I shift some non ira spaxx funds into a secondary taxable fdzxx account thus giving me permanent access to the lower er higher return mm fund. Are you sure having the fund in an IRA will give y...
by tfb
Wed Aug 21, 2019 12:53 pm
Forum: Personal Investments
Topic: Vanguard Change to Personal Adviser Services
Replies: 29
Views: 2814

Re: Vanguard Change to Personal Adviser Services

You are speaking of the difference between a robo service and a full hands-on advisor service which costs at least 1%. Not necessarily. Ask Rick Ferri, Allan Roth, and others who don't charge asset-based fees. Depending on the size of the asset, their fees can be less than the 0.3% charged by Vangu...
by tfb
Wed Aug 21, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: After-tax 401(k) Matching Statistics/Company Listings/Case Study/etc.
Replies: 25
Views: 946

Re: After-tax 401(k) Matching Statistics/Company Listings/etc.

David Jay wrote:
Wed Aug 21, 2019 12:23 pm
Apparently, after-tax matching is not allowed because the match is “income” and you must pay taxes (either now or deferred) on all income.
The OP wants the employer to give a [pre-tax] match to the after-tax contributions, not making the match after-tax.
by tfb
Mon Aug 19, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4673

Re: Paying credit card "current balance" vs. "statement balance"

Do I need to pay $1,000 (statement balance) or $500 (current balance) by my payment date in order to avoid any interest/finance charges or fees? Set up auto pay, choose "statement balance" and let the bank decide. Some banks will debit $1,000 regardless whether you have returns or statement credits...
by tfb
Mon Aug 19, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4705

Re: Another NFCU CD deal [Navy Federal Credit Union]

The rate on the 5-year certificate is lowered to 3.25% APY. The 18-month certificate is still 3.0% APY.
by tfb
Fri Aug 09, 2019 8:55 pm
Forum: Personal Investments
Topic: Own Closed Vanguard Fund in Roth, Want to Also Buy in Taxable
Replies: 13
Views: 1904

Re: Own Closed Vanguard Fund in Roth, Want to Also Buy in Taxable

GoldenPuppy wrote:
Fri Aug 09, 2019 5:57 pm
Is there a way to do this?
Transfer one share from Roth to taxable or become a Flagship customer. Withdrawing from Roth is tax free up to your cumulative direct contributions.
by tfb
Thu Aug 08, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: ACA refund vs subsidy
Replies: 6
Views: 454

Re: ACA refund vs subsidy

The subsidy sites keep talking about it being based on the silver plan, but does the fact that I have a bronze plan factor in at all? And the subsidy would just be in the form of a tax refund, right? The subsidy (premium tax credit) is the same no matter what plan you have but if your bronze plan i...
by tfb
Wed Aug 07, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to shift billions of retirement assets into international stocks
Replies: 20
Views: 2444

Re: Fidelity to shift billions of retirement assets into international stocks

Fidelity is raising its allocation in international funds to 40% from 30% of equity assets in target-date portfolios, while cutting exposure to U.S. stock funds to 60% from 70%.
Vanguard did the same several years ago, which probably affected more billions of assets.
by tfb
Fri Aug 02, 2019 11:48 pm
Forum: Personal Investments
Topic: Buying Treasuries at Broker?
Replies: 7
Views: 637

Re: Buying Treasuries at Broker?

The confusing part was that for the same CUSIP number, Fido was advertising it as zero coupon, while Vanguard was marketing a small coupon rate. Why were the two brokers different. If it's a new issue, the coupon will be determined after the auction. Perhaps Fidelity is showing 0 as a shorthand for...
by tfb
Mon Jul 22, 2019 6:24 pm
Forum: Personal Investments
Topic: VBS statements, so change back to VG non-VBS
Replies: 7
Views: 759

Re: VBS statements, so change back to VG non-VBS

elpollo wrote:
Sun Jul 21, 2019 1:22 pm
I am not aware of any downside going back to non VBS
Are you sure they will let go back to non-VBS?
by tfb
Sat Jul 20, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Which is better, mutual funds or CDs?
Replies: 29
Views: 4229

Re: Larry Swedroe: Which is better, mutual funds or CDs?

Larry notes that in 401k and 529 plans, investors must use mutual funds. I own CDs in my Schwab 401(k). How were you able to achieve that? I'm guessing that they're brokered CDs, but it's obviously very unusual for someone to have that option in their 401k. Besides solo 401k, many workplace 401k pl...
by tfb
Sat Jul 20, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group
Replies: 49
Views: 14540

Re: Fidelity Private Client Group

One PCG benefit I like and use is free domestic wire transfers. Another potentially useful one is the waiver of minimum balance requirements for certain mutual funds. I sure wish these benefits were documented somewhere. Free domestic wire transfers aren't a PCG benefit any more. Fidelity made them...
by tfb
Fri Jul 19, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Income below100% FPL-danger of ACA subsidy?
Replies: 41
Views: 3084

Re: Income below100% FPL-danger of ACA subsidy?

Can't do tIRA to Roth this year but can do it next year. I still can't think of any situation why this would be the case. Maybe I'm missing something. In a Roth conversion you move the asset from a Traditional 401k-type plan or a Traditional IRA to a Roth IRA. You don't have to sell the asset. So e...
by tfb
Sat Jul 13, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: From ex-dividend to distrubution where is my money?
Replies: 101
Views: 6165

Re: From ex-dividend to distrubution where is my money?

I have Verizon stock in my 401k. It went ex-dividend July 9th but my money won't be distributed until August 1st. Where is the $2,494.390,000, not all mine, sitting for three weeks? Verizon has it. They promised shareholders as of a certain date some money, to be distributed in the future. That's a...
by tfb
Wed Jul 10, 2019 10:37 pm
Forum: Personal Investments
Topic: Access to Fidelity eMoney
Replies: 19
Views: 2153

Re: Access to Fidelity eMoney

Try Fidelity Full View. It's powered by eMoney. https://www.fidelity.com/cash-management/full-view/www.fidelity.com/cash-management/full-view/overview Link broken. states We’re sorry The page you’re looking for is currently unavailable or no longer exists. Is this only accessible if you are an exis...