By Mike Young, Head of Product at Truthifi. Last updated June 12, 2026.

To get useful answers about your money from an AI assistant — not generic advice — you have to connect your real accounts to it. Here's how to connect your Fidelity account to your AI assistant — along with every other account you hold — so your AI can reason about your whole financial picture, not one login at a time. No code, free to start.

If your Fidelity account is one of several logins — a brokerage here, an old 401(k) there, a Roth somewhere else — and you've never actually seen your real net worth as one number, that's not on you. It lives in pieces across institutions that don't talk to each other. Bring them together and your AI can finally see all of it at once.

What is an MCP?

MCP (Model Context Protocol) is the open standard that lets an AI assistant plug into outside data — your accounts, here — and read it live, with your permission. No copy-pasting balances, no uploading statements: the assistant pulls current data through a connection you control and can switch off anytime. It's an open standard — introduced by Anthropic and since adopted by OpenAI and others — so a growing range of AI assistants support it. A "Fidelity MCP" is simply a connector that feeds your Fidelity data to your AI this way.

Does Fidelity have an MCP server?

Not as of June 12, 2026 — Fidelity hasn't published an official MCP, and it has no public retail API. A community project exists — tylerflar/claude-fidelity-mcp — but because there's no API, it drives Fidelity's website with browser automation, which means developer setup and fragile sessions. There's also a bank-focused option (BankSync).

The no-code path is Truthifi Connect, which links your Fidelity account — and your other institutions — through a secure, read-only connection (below, or learn more).

What Fidelity does

Fidelity is one of the largest investment firms in the world — brokerage, retirement (401(k) and IRA), wealth management, and increasingly crypto. Investors choose it for low-cost index funds, deep research tools, commission-free stock and ETF trades, and integrated retirement planning.1

About Fidelity: founded 1946 · headquartered in Boston · ~$18 trillion in assets under administration (2025) · 50M+ individual customers · connected read-only through authorized aggregators.

Good to know about Fidelity

Quick answers to what people ask most:

• What does it cost? $0 commissions on U.S. stock and ETF trades; many Fidelity index funds carry very low expense ratios. (Fidelity)

• What account types are there? Brokerage, traditional and Roth IRAs, 401(k)s, HSAs, 529s, and cash management.

• How's the research and support? Extensive research and screening tools; phone, branch, and chat support.

• Will the data stay clean for an AI? Even live brokerage feeds arrive with cryptic descriptors and holdings listed by code. That's what Truthifi's data layer handles: 400+ decoders turn a raw position line into "Fidelity 500 Index Fund (FXAIX), 0.015% expense ratio"; 100+ checks correct gaps; securities are identified; one view spans 18,000+ institutions; a 99.7% data-accuracy standard.

How Truthifi can help

Truthifi Connect links your real accounts to your AI assistant and brings your whole financial picture into one view your AI can reason about: every account across 18,000+ institutions, decoded into clean data rather than a raw feed — and from an independent source with no products to sell and no commissions, so the only thing done with your data is connecting it to the AI you choose. With Fidelity connected, you can ask:

• "What's my net worth across every account, with Fidelity in context?"

• "Am I on track to retire — and what's dragging on my returns?"

• "Which of my holdings cost the most in fees, across Fidelity and everywhere else?"

• "Where am I most concentrated, and is that a risk?"

Picture someone with a brokerage and IRA at Fidelity, an old 401(k) still parked at a former employer, and a Roth at Vanguard. "Across all of it, what am I really paying in fees, and am I on track to retire at 65?" has never had a single answer — it's split across three logins. Connected, the AI answers it in one question. And the first time people link a second account, they often catch something the separate logins hid — a Fidelity fund and an IRA holding that turn out to be mostly the same stocks.

Because Truthifi reads directly from your institutions, there's nothing to maintain — and it normalizes and reconciles holdings and transactions across every account, so your AI works from clean, consistent data. On scope: Truthifi reads and analyzes — it never places trades, moves money, or manages your portfolio. You keep trading at Fidelity; Truthifi gives your AI the full, decoded picture.

Your money today vs. with Truthifi

Is it safe to connect my accounts?

The safeguards are structural, not promises:

• Read-only by architecture. Truthifi can't move money, place trades, or change a setting — the constraint lives in the connection, not the terms of service.

• Credentials never seen or stored. You log in on Fidelity's own site; Truthifi receives a read-only token, never your password.

• Every request logged. A timestamped, per-request record of exactly what each AI accessed and when.

• AES-256 encryption in transit and at rest; per-account control, revoke anytime.

How to connect your accounts to your AI assistant

The whole setup runs in your browser — no command line, on any MCP-capable assistant.

1. Create a free Truthifi account at truthifi.com — no credit card for the free tier.

2. Link your Fidelity account — and any other accounts you want your AI to see — through Truthifi's secure connection. You sign in on Fidelity's own site; your credentials never touch Truthifi.

3. Turn on MCP access — the free tier confirms linking; live AI access needs a paid Truthifi plan (see truthifi.com/pricing).

4. Add Truthifi to your assistant. The connector URL is the same everywhere: https://api.truthifi.com/mcp. - In your assistant, open its connector settings (usually Settings → Connectors), add a custom connector named Truthifi, paste the URL, and authorize. - (Most assistants require a paid plan for custom connectors. For exact, step-by-step setup for your specific assistant, see the connect guides linked below.)

5. Turn it on and ask: "What's my net worth, and am I on track to retire?"

What you can ask your AI

• "Pull my full asset allocation across every account and break it down by asset class, sector, and geography."

• "Total the expense ratios and fees I'm paying across Fidelity and my other accounts — and the 10-year cost at 7% growth."

• "Run a retirement-readiness check across all my balances; model conservative, moderate, and optimistic cases."

• "Where am I overlapping or over-concentrated across my Fidelity and held-away accounts?"

• "Stress-test everything against a 2008-style drop: how far would I fall, and how long to recover?"

• "Find tax-loss-harvesting candidates in my taxable accounts and estimate the savings."

Common questions about Fidelity

Is Fidelity worth it? It's consistently rated among the strongest brokerages — low-cost funds, $0 stock/ETF commissions, and deep research. The bigger question for most people isn't Fidelity itself; it's seeing Fidelity together with everything else they own, which is what connecting an AI through Truthifi does.

Does Fidelity have an API or MCP? No public retail API, and no official MCP. Community projects use browser automation; Truthifi connects Fidelity through a secure, read-only login instead.

Are there alternatives to Fidelity? Plenty of brokerages exist, but if what you want is an AI that sees your whole financial life — Fidelity and every other account — that's a connector like Truthifi on top of the accounts you already have, not a different brokerage.

Is it safe? Yes — you log in on Fidelity's own site, the connection is read-only by architecture, credentials are never stored, and every request is logged.

Do I need to write code? No. The entire Truthifi setup runs in your browser — no command line, API keys, or config files.

Which AI assistants does it work with? Any MCP-capable assistant. MCP is an open standard — introduced by Anthropic and adopted by OpenAI and others — so support is broad and growing.

Keep going

• See every connector: the financial MCP servers hub.

• How to ask your AI about your real investment accounts · How to spot hidden investment fees

• Prefer setup for one assistant? See the Claude–Fidelity and ChatGPT guides.

The short version

Fidelity is one of the best places to invest. To give your AI assistant your whole financial picture, with Fidelity in context alongside everything else, connect your accounts with Truthifi. Free to start, about three minutes, no code. Connect your accounts to your AI →

1. Fidelity facts — founding, HQ, assets under administration (~$18T, 2025, per Fidelity's 2025 Annual Report), customer count (50M+), and product details — from fidelity.com / about.fidelity.com, reviewed June 18, 2026. Figures change; confirm current details on Fidelity's site. ↩