with tax-smart investing strategies designed to help you keep more of what you earn. and set aside more for things like healthcare, or whatever comes down the road. this is "the planning effect" from fidelity. (birds chirping) ♪ (upbeat music) ♪ (phone beep) ♪ ♪ ♪ ♪ ♪ ♪ ♪ (music quieter) ♪ (phone clicks) ♪ ♪ i've got moderate to severe plaque psoriasis. now, there's skyrizi. ♪ things are getting clearer ♪ ♪ i feel free ♪ ♪ to bare my skin, yeah, that's all me ♪ ♪ nothing and me go hand in hand ♪ ♪ nothing on my skin, that's my new plan ♪ ♪ nothing is everything ♪