If you want personalized advice, a second opinion on complex investment decisions, recommendations on rebalancing your portfolio, and ongoing checkups, these services are ideal.
Please note that Advisory Planning Services are only available for investors with $100,000 or more in investable assets at T. Rowe Price or elsewhere. If you don’t have $100,000 in assets, please take advantage of our complimentary guidance for enhancing your planning strategies.
Yes, you can get the overall picture for both of you and your combined assets. One of you must be the primary client. Get started.
The one-time fee is $250. It's waived for investors with $500,000 or more in assets with us (excluding estate, corporate, and 401(k) accounts and 529 plans) and reimbursed if you bring us $100,000 in new assets, including rollovers. Get started.
A personalized analysis, strategy, and action plan, including a complete portfolio evaluation, plus assistance with implementing your plan (if you wish). You also get telephone access to our Advisory experts and ongoing Advisory Checkups, available online for your convenience or by mail upon request. You can access your Checkup online after you have reviewed your Recommendation with an Advisory Counselor.
Depending on your goals, you also receive advice on how much to save, when to retire, and how to manage retirement income. Goal-based solutions.
Completing your Client Profile takes about 30 to 40 minutes. After we receive and examine your information, an Advisory Counselor will contact you in approximately one to two weeks to review it with you over the phone. Once your Advisory Counselor feels that he or she clearly understands your financial goals and current situation, the counselor will work closely with the Advisory team to develop your Recommendation. Once you receive and review your Recommendation, the Counselor will work with you on an implementation plan. Get started now.
As you move from saving for retirement to transitioning, or from transitioning to managing income, contact us and we'll adjust your Recommendation at no extra charge.
Absolutely. Simply tell us when you're ready.
Our suggestion is five years. That way you'll have plenty of time to determine if it might be better to work a little longer and build up more wealth to help generate the income you'll need in retirement.
When evaluating your portfolio, we include any assets you tell us about, except for Education Savings Accounts, College 529 Plan accounts, UTMA/UGMA accounts, or accounts you may have indicated to be excluded from your analysis.
If your portfolio needs adjusting, we provide objective recommendations about the asset categories involved (e.g., international bonds) and suggest T. Rowe Price funds that would be appropriate. You are always free to invest as you wish.
We use sophisticated Monte Carlo analysis, which goes far beyond average rates of return to explore 1,000 market scenarios.
You should consult a professional advisor who knows your financial situation and needs. But we do offer general guidance and resources.
The team addresses your needs with a personalized solution based on solid fundamentals. Our strategies, technologies, and materials are designed by our Certified Financial Planners™, and every Recommendation is reviewed by a professional member of our team. All team members are salaried, not commissioned salespeople. Benefits.
You can call us as needed—and should call us if you experience an important life change. We will provide you with ongoing access to an Advisory Checkup to see if you're still on track. You can access your Checkup online after you have reviewed your Recommendation with an Advisory Counselor. View our interactive demo.
Certainly. You may work with someone at T. Rowe Price, an outside professional, or simply follow your action plan steps on your own.
Yes, we offer a wealth of guidance for enhancing your planning strategies—available to anyone, at no charge.
We offer personalized solutions and help with implementing any desired changes to your strategies and your portfolio. However, we do not actively manage your assets. You remain in full control.
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