Christine S. Fahlund, Ph.D., CFP®

Christine Fahlund, a senior financial planner and vice president of T. Rowe Price Investment Services, joined the firm in 1995. With her more than 25 years’ experience in financial planning, Christine brings a wealth of knowledge to the firm and our industry. Often quoted in national publications—The Wall Street Journal, The New York Times, BusinessWeek, and Kiplinger’s—Christine also has appeared on CBS News, CNBC, National Public Radio,, and, among others.

Christine’s specialties are retirement accumulation strategies, retirement distribution, and estate planning. She also provides technical financial planning content and analysis and helps develop new retirement planning strategies for our shareholders. After earning a B.A. in biochemistry from Mount Holyoke College, Christine received a doctorate in biochemistry from the University of Massachusetts Five College Ph.D. Program.

Judith B. Ward, CFP®

Judith Ward, a senior financial planner and vice president of T. Rowe Price Investment Services, joined the firm in 1983. Prior to her current position, Judith was an investment analyst in our Fixed Income Division specializing in asset allocation portfolios.

Among her many responsibilities, including developing financial planning-related products and services as well as online tools and calculators, Judith provides guidance about a broad range of investment-related issues and has hosted several interactive videos on our Web site. In addition, she is a frequent contributor to T. Rowe Price publications and serves as an internal consultant on matters relating to personal financial planning. Judith earned a B.A. in economics and a certificate in finance from the University of Maryland, Baltimore County.

Stuart L. Ritter, CFP®

Stuart Ritter, a financial planner and assistant vice president of T. Rowe Price Investment Services, has been with the firm since 1998. Stuart currently helps design, build, and implement guidance and advice services for our investors. A frequent contributor to T. Rowe Price publications, he also has appeared on ABC News, Fox Business News, and National Public Radio and has been quoted by The Wall Street Journal, Money magazine, and various other national news organizations.

In addition to teaching a personal finance course in Johns Hopkins University’s Entrepreneurship and Management Program, Stuart has taught at Howard Community College and the University of Maryland’s Robert H. Smith School of Business. He holds a B.S. in electrical engineering from the University of Maryland, College Park and an M.A. in political science from American University.