Primitive, so that I don't mislead you, you should check out the Fidelity website for the details, based on the type of account you want - IRA, regular investment, and don't forget 529 plans if you have children that will need education funds.  You would also need to consider you parents ages for the type of account that is appropriate.  

My wife and I also had five 529 plans for grandchildren to help with their college expenses, and they are now using those funds which have been growing tax free for years.

The guys at Fidelity can help you with all of these, and a great part is that they can help you with it all in the same place.  As I worked at various employers I was able to 'roll over' several different plans over the years to a single IRA at Fidelity which helped keep things simple.  They will manage the funds for you - admittedly at a fee - so you don't have to manage market timing and different individual investments.  They allocate your funds to various investment types based on your age, comfort level, etc.