What is the difference between a Brokerage Account and an Individual Account on Fidelity.com?
If you own only Fidelity mutual funds you can have an individual account. The brokerage account allows you to purchase stocks, bonds, options, etc and many other brokerage services.
The individual account can be a good place to start. You can easily move it to a brokerage account when you are ready.
Fidelity claims to be the largest discount broker. I use them. Excellent service. No fees for most accounts.