The holidays are the perfect time to share with clients how they can give the gift of higher education with Fidelity ’ s tax-advantaged 529 Advisor Plans . These plans can help them meet their savings goals or even qualified K – 12 education expenses . 1

Visit i . fidelity . com / chet529 today to see how to help your clients give this precious gift .

Not FDIC Insured • May Lose Value • No Bank Guarantee Not NCUA or NCUSIF insured . May lose value . No credit union guarantee .

CHET

ADVISOR

529 College Savings Program

Connecticut Higher Education Trust

Managed by :

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Up to $ 10,000 per taxable year in 529 account assets per beneficiary may be used for tuition expenses in connection with enrollment at a public , private , or religious elementary or secondary educational institution . Although the assets may come from multiple 529 accounts , the $ 10,000 qualified withdrawal limit will be aggregated on a per beneficiary basis . The IRS has not provided guidance to date on the methodology of allocating the $ 10,000 annual maximum among withdrawals from different 529 accounts . Some states do not conform with federal tax law . Please check with your home state to determine if it recognizes the expanded 529 benefits afforded under federal tax law , including distributions for elementary and secondary education expenses , apprenticeship programs , and student loan repayments . You may want to consult with a tax professional before investing or making distributions .

For investment professional use only . Not authorized for distribution to the public as sales material in any form .

The CHET Advisor 529 Plan is sponsored by the state of Connecticut and managed by Fidelity Investments . CHET Advisor 529 Plan accounts are not insured by any state , the federal government , or any federal agency . Furthermore , neither the principal nor any investment return is guaranteed by any state , the federal government , or any federal agency .

If a client or a designated beneficiary is not a Connecticut resident , the client may want to consider , before investing , whether the client ’ s state or the designated beneficiary ’ s home state offers its residents alternative state tax advantages or other state benefits , such as financial aid , scholarship funds , and protection from creditors .

Units of the portfolios are municipal fund securities and are subject to market fluctuation and volatility .

Before investing , have your clients consider the plan ’ s investment objectives , risks , charges , and expenses . Contact Fidelity or visit i . fidelity . com for a free offering statement . Have your clients read it carefully before investing .

The third-party trademarks and service marks appearing herein are the property of their respective owners . All other trademarks and service marks appearing herein are the property of FMR LLC or its affiliated companies .

Managed by Fidelity Distributors Company LLC , 500 Salem Street , Smithfield , RI 02917 © 2024 FMR LLC . All rights reserved . 1169091.1.0