Fidelity is the most complete retail brokerage in the United States. It covers every investor type — the first-time IRA opener, the active day trader, the self-employed business owner, the retiree managing distributions — with tools, account types, and cost structures that are competitive or best-in-class at each level. Its Fidelity ZERO index funds carry 0% expense ratios with no minimums, its Active Trader Pro platform competes with institutional-grade desktop tools, and its research access spans more than 20 third-party providers including Morningstar, CFRA, and Refinitiv. Fidelity Go, its robo-advisor, charges no management fee on balances under $25,000 and 0.35% above that — competitive with Betterment and Wealthfront. The brokerage also serves as a cash management platform with an FDIC-insured core position and a debit card with ATM fee reimbursement. There is no meaningful competitor that outperforms Fidelity across all investor categories simultaneously.