5 /5 Song: My Fidelity representative, Phil, reached out to me because of RMD and other factors. I am so delighted that my husband and I met with him in person. Phil was attentive, thorough, and respectful. My partner came with me not to help me make any financial decisions, but for his entertainment. However, he was impressed with Phil, also. Phil, AJ, and Daniel make a strong "balanced" team at this Fidelity office.