YOUR NEXT STEPS

As we said at the beginning of this report, the next step is the most important -- actually putting your plan into effect.  The longer you delay, the harder it will be to achieve your goals.  The thing to keep in mind is that starting now will make a world of difference.

We've made it easy for you to find out how Fidelity can help you achieve your retirement goals.  For your convenience, we've included The Fidelity Catalog in the software as part of the program (Module 5).  You'll see Fidelity's complete line of retirement products and services, including IRA's, Keoghs, and SEPs, mutual funds, brokerage accounts, and much more.  You may want to go back through the catalog (Module 5) with your Retirement Action Plan in hand to begin to set your plan in motion.

The next step may be the easiest.  Call Fidelity 24 hours a day at 1-800-544-5373 and a Fidelity Retirement Specialist will help you put your plan into action.  If you feel more comfortable working face-to-face, just stop in any of our Investor Centers (for the Investor Center closest to you, refer to the Getting In Touch section of The Fidelity Catalog (Module 5).

YOUR REGULAR CHECK-UP
Remember that this plan is based on many variables, some of which you can control and many which you cannot.  As you saw user "The Large Impact of Small Changes," even a small change in any of these variables may be enough to alter your overall strategy.  For that reason, you should make it a point to perform a regular "check-up" of your retirement savings strategy.  We suggest doing this at least once a year.  You may even want to make an appointment with yourself and mark an appropriate date on your calendar.

As we said at the beginning of this report, developing a retirement plan is a major step to achieving the kind of retirement you want.  Now, with momentum on your side, it's time to "seize the moment" and put this plan into effect.  The sooner you start, the easier it will be.



Fidelity Distributors Corporation
82 Devonshire Street
Boston, MA  02109



This program is intended as an educational tool, not as investment advice.  Everyone's personal circumstances are unique.  Review your own situation and consult an investment professional if you feel you need more personalized advice.  All examples are hypothetical and are intended for illustrative purposes.
