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Your investments are being managed by FinanceGPS Managed Accounts
You can update your profile or cancel the service and manage your own investments anytime.

Your investments are being managed by FinanceGPS Managed Accounts
You can update your profile or cancel the service and manage your own investments anytime.

You opted out of having your investments managed by FinanceGPS Managed Accounts
If you change your mind, you can complete your profile anytime to get a personalized retirement strategy and enroll in the service.

Personalized retirement strategies from

FinanceGPS Managed Accounts
Powered by Morningstar

Retirement strategies based on your needs

FinanceGPS Managed Accounts, an investment advisory service selected by your plan sponsor, gives you access to personalized investment advice and management. 

In just a few minutes, you can receive a strategy based on factors such as your age, income, and current contributions/investments.

Review Your Strategy

Retirement strategies based on your needs

FinanceGPS Managed Accounts, an investment advisory service selected by your plan sponsor, gives you access to personalized investment advice and management. 

In just a few minutes, you can receive a strategy based on factors such as your age, income, and current contributions/investments.

Review Your Strategy

Why was this service selected for me?

FinanceGPS Managed Accounts, an investment advisory service selected by your plan sponsor, gives you access to personalized investment advice and management. 

You’re being enrolled in the service now because your plan sponsor believes that you can benefit from a more personalized investment strategy.

To see your personalized strategy and estimated fees, complete your profile.

What happens if I don’t opt out?

Your savings will be invested in a strategy that is based on factors such as your age, income, location, and current contributions and investments. Then, your investments will be monitored and adjusted over time. After @@FEE_START_DATE@@, you will start paying fees for the service.

You can complete your profile to get a more personalized strategy. Then, you can update your profile as your circumstances change to help ensure your strategy remains aligned with your needs.

Complete Your Profile

How it works

Complete your profile.

To receive your free personalized strategy, complete your profile by answering some questions about your financial situation and retirement goals.

Receive a personalized retirement strategy.

You will receive advice on important decisions like how much to save, what funds to invest in, when to retire, and when to start taking Social Security.

Pick a level of control and implement your strategy.

Decide whether you want to have your investments managed for you over time (for a fee) or if you’d prefer to manage them yourself. Then, your contributions and investments will be updated to match your strategy.

How it works

Complete your profile.

To receive your free personalized strategy, complete your profile by answering some questions about your financial situation and retirement goals.

Receive a personalized retirement strategy.

You will receive advice on important decisions like how much to save, what funds to invest in, when to retire, and when to start taking Social Security.

Pick a level of control and implement your strategy.

Decide whether you want to have your investments managed for you over time (for a fee) or if you’d prefer to manage them yourself. Then, your contributions and investments will be updated to match your strategy.

What can I do now?

Complete your profile.

To better personalize your retirement strategy, complete your profile by answering some questions about your financial situation and retirement goals.

Review your personalized retirement strategy.

You will receive advice on important decisions like how much to save, what funds to invest in, when to retire, and when to start taking Social Security.

Decide whether to implement your strategy.

You can submit your strategy to have it take effect immediately (fees will begin right away) or wait to be automatically enrolled. If you want keep your current strategy or manage your investments, you must return here to opt out of the service.

Compare your options

You can choose to manage your investments over time or have them managed for you by FinanceGPS Managed Accounts.

Feature  Take an active role   Have your investments managed 
Personalized retirement strategy Yes  Yes 
Ongoing investment management 

No

You will monitor and adjust your own investments.

Yes

Your investments will be monitored and adjusted for you over time. 
Additional fees  No

Yes

You will be charged a fee, based on your account balance. 
Take an active role  
Personalized retirement strategy Yes 

Ongoing investment management

 

No

You will monitor and adjust your own investments.
Additional fees
 No
Have your investments managed
Yes  Yes 

No

 You will monitor and adjust your own investments.

Yes

Your investments will be monitored and adjusted for you over time. 
No

Yes

You will be charged a fee, based on your account balance. 

Your plan sponsor has teamed up with Creative Planning LLC to offer you personalized investment advice. When you complete your profile, you will immediately have access to the strategy that has been selected for you, based on your financial situation and retirement goals. Creative Planning LLC and Morningstar Investment Management are separate legal entities and neither is affiliated with T. Rowe Price. Morningstar Investment Management LLC provides the technology for Creative Planning LLC and serves as the fiduciary for portfolio assignment and for the recommendations on things such as savings rates and retirement age. It is the participant's responsibility to keep their profile up to date if there are any changes to their personal or financial situation.

Managed Accounts disclosure

FinanceGPS Managed Accounts is a brand name for the Managed Accounts service offered by Creative Planning LLC powered by Morningstar Investment Management LLC. It is intended for citizens or legal residents of the United States or its territories. The portfolios available to you through FinanceGPS Managed Accounts are created by Creative Planning LLC, who was chosen by your employer. Morningstar Investment Management LLC, a registered investment adviser and subsidiary of Morningstar, Inc., is responsible for choosing the portfolio for your retirement plan account from those created by Creative Planning LLC. Morningstar Investment Management is not affiliated with Creative Planning LLC and is not responsible for the portfolios Creative Planning LLC creates. Likewise, Creative Planning LLC is not responsible for the portfolio selection made by Morningstar Investment Management for you, nor for other recommendations made by Morningstar Investment Management through FinanceGPS Managed Accounts. Investment advice delivered by Morningstar Investment Management is based on information provided and limited to the investment options available in your retirement plan. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time.

Past performance is not indicative of future results. All investments involve varying degrees of risk therefore there can be no assurance that any financial strategy will be successful. Creative Planning LLC does not guarantee that the portfolios created will be profitable and/or successful. Morningstar Investment Management does not guarantee that the results of their advice, recommendations or objectives of a strategy will be achieved.

The technology and methodologies used within FinanceGPS Managed Accounts and certain of the text, images, layout and design appearing in it and this document are the property of Morningstar Investment Management LLC or Creative Planning LLC and are protected by intellectual property law (including, without limitation, copyright law). Morningstar Investment Management LLC and Morningstar, Inc. reserve all rights in any of their intellectual property that appears on or in conjunction with the FinanceGPS Managed Accounts.

© 2022. Morningstar Investment Management LLC. All Rights Reserved. Creative Planning LLC reserves all rights in any of their intellectual property that appears on or in conjunction with FinanceGPS Managed Accounts. The Morningstar name and logo are registered marks of Morningstar, Inc. All other service marks or trademarks are the property of their respective owners.

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You have clicked on a link which will cause you to leave T. Rowe Price’s website and will redirect you to a third-party website. T. Rowe Price is not affiliated with this third party and makes no representations, nor has any supervision or control over the quality, reliability, or security of this third-party website. Finally, T. Rowe Price is not responsible for your use of this third-party website.

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If you continue to receive this message, please call us at 800-922-9945.

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This website has been prepared by T. Rowe Price Retirement Plan Services, Inc., for general and educational purposes only. This material does not provide recommendations concerning investments, investment strategies, or account types. It is not individualized to the needs of any specific investor and is not intended to suggest that any particular investment action is appropriate for you, nor is it intended to serve as a primary basis for investment decision-making. T. Rowe Price Retirement Plan Services, Inc., its affiliates, and its associates do not provide legal or tax advice. Any tax-related discussion contained in this website, including any attachments/links, is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding any tax penalties or (ii) promoting, marketing, or recommending to any other party any transaction or matter addressed herein. Please consult your independent legal counsel and/or tax professional regarding any legal or tax issues raised in this material.

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