CONFIDENT CONVERSATIONS^®on Retirement

Navigating Social Security can feel complicated—especially for women, who often face unique challenges like longer life expectancy, career breaks, and lower lifetime earnings. But with the right knowledge, it becomes a powerful tool for retirement planning. In this episode, host Jessica Sclafani sits down with CERTIFIED FINANCIAL PLANNER^® professionals Stuart Ritter and Judith Ward, for a practical and encouraging discussion on how women—and their spouse if they have one—can make informed, confident Social Security decisions. From understanding benefit basics to timing strategies and coordinating with other income sources, this conversation is designed to help women feel more empowered about their financial future.

ETFs offer unique structural benefits that can help investors better manage taxes—especially in taxable accounts. In this episode, we break down how in-kind redemptions work, what makes some ETFs more tax-efficient than others, and what to look for when building a portfolio. You’ll hear practical guidance how ETFs can support retirement income strategies.  

Host Jessica Sclafani sits down with CERTIFIED FINANCIAL PLANNER^® professionals
Ryan Malaeb and Roger Young for a 360° look at tax planning before and during retirement. Learn how to optimize withdrawals across different account types, tackle the Social Security “tax torpedo,” time Roth conversions, and manage RMDs. Plus, explore advanced strategies like Qualified Charitable Distributions and tax-loss harvesting, and walk away with practical steps to help minimize lifetime taxes and extend your portfolio.

Caring for both children and aging parents—while planning for your own retirement—takes strategy and intention. In this episode, host Jessica Sclafani joins CERTIFIED FINANCIAL PLANNER^® professionals Mycha Marshall and Emily Herstein to unpack the unique financial and emotional dynamics of the “sandwich generation.” From setting boundaries with adult children to planning for long-term care costs, this discussion provides practical strategies to help you stay in control and confident as you manage multigenerational caregiving and your own future.

401(k) plans are tax-advantaged accounts that remain the backbone of a retirement savings strategy. Host Kim Zook is joined by Michael Davis, Head of Global Retirement Strategy, and CERTIFIED FINANCIAL PLANNER^® professional Roger Young to discuss the evolution, benefits, criticisms, and the future of 401(k) plans.  

Host Kim Zook is joined by CERTIFIED FINANCIAL PLANNER^® professionals Molly Burton and Lindsay Theodore to discuss an essential topic for anyone approaching or already in retirement: planning for the mid-to-later years of retirement. This period, often filled with unique challenges and opportunities, requires thoughtful preparation and a clear understanding of your options. 

When prices are rising and markets feel uncertain, making sound investment decisions may be overwhelming. In this podcast, we’ll discuss inflation and market volatility and provide you with practical strategies that can help you weather the storm. Host Kim Zook is joined by CERTIFIED FINANCIAL PLANNER^® professionals Emily Herstein and Matt Spratt to discuss navigating inflation and market volatility.  

Host Kim Zook is joined by CERTIFIED FINANCIAL PLANNER^® professionals Stuart Ritter and Lindsay Theodore to discuss Social Security and how it works overall, using some examples based on specific situations. The goal of this episode is to truly simplify the core of Social Security by focusing on what you need to know about the power and importance of Social Security as part of a retirement income strategy. 

Host Kim Zook is joined by CERTIFIED FINANCIAL PLANNER^® professional Roger Young and Global Retirement Strategist Jessica Sclafani to discuss a critical topic for retirees: Personalizing your retirement income needs, solutions, and drawdown strategies. Whether you're gearing up for retirement, already retired, or simply interested in the current trends in retirement income planning, this episode is filled with valuable and insightful information you won't want to miss. 

Host Kim Zook is joined by Multi-Asset Portfolio Specialist Kathryn Farrell and CERTIFIED FINANCIAL PLANNER^® professional Stuart Ritter to discuss the differences between traditional and alternative investments for your retirement, including what they are, how they work, and which might be right for your investment goals.

How do our beliefs and attitudes toward money shape our financial behaviors, impact our financial well-being, and influence our retirement planning? Host Francisco Negrón is joined by T. Rowe Price experts—CERTIFIED FINANCIAL PLANNER^® professionals Stuart Ritter and Matt Spratt—to discuss how the psychology of money influences our financial behavior and ways investors can cultivate a healthier and more empowered relationship with money on their journey to and through retirement.

Have you already retired but are considering returning to work? You aren’t alone. Host Francisco Negrón is joined by T. Rowe Price experts—CERTIFIED FINANCIAL PLANNER^® professional Stuart Ritter and Global Retirement Strategist Sudipto Banerjee—to discuss the unretirement phenomenon, along with factors to consider before transitioning back into the workforce.

Are you considering soliciting financial advice but unsure if it’s worth the cost? Host Francisco Negrón is joined by T. Rowe Price experts – CERTIFIED FINANCIAL PLANNER^® professionals Emily Herstein and Matt Spratt – to discuss the different ways that financial professionals can add value to your savings journey and how these benefits can outweigh the fees associated with their services. 

Taxes can be a complex and often overwhelming subject. In this episode, we will review the simplest and most accessible options that investors have in order to be more tax savvy. Our experts from T. Rowe Price discuss how the right knowledge and planning can help you make informed decisions to minimize your tax burden and maximize your retirement savings and financial well-being. Host Francisco Negrón is joined by Roger Young, CERTIFIED FINANCIAL PLANNER^® professional and thought leadership director.

Women face unique challenges when it comes to saving and investing. Host Francisco Negrón receives multi-generational insights from four T. Rowe Price financial experts to delve into actional steps and valuable advice to help guide women to determine what motivates them in life and how they can connect that with their financial strategy.

When it comes to planning for income in retirement, there is incremental value in developing a plan customized for your personal financial situation, because there is no one size fits all solution. Host Francisco Negrón is joined by T. Rowe Price CERTIFIED FINANCIAL PLANNER^® professional Emily Herstein and Bill Meyer, head of Retiree Inc. to discuss how well-planned withdrawal strategies can help investors build financial security and enjoy their golden years.

Is the thought of transitioning into retirement overwhelming to you? It can help to think of retirement not as an end, but as a new beginning. Host Francisco Negrón is joined by CERTIFIED FINANCIAL PLANNER^® professionals Sam Smith and Judith Ward to discuss strategies for setting goals and exploring new interests, insights, and inspiration to make the most of your retirement years and create a fulfilling and joyful post-work life.

Retiring early is a dream for many, but it requires careful planning and a commitment to financial independence. Host Francisco Negrón is joined by CERTIFIED FINANCIAL PLANNER^® professional Lindsay Theodore to discuss strategies, mindset, and financial considerations that can help you retire years ahead of the traditional timeline.

How much do you know about target date solutions? Host Francisco Negrón is joined by Head of Target Date Strategies at T. Rowe Price, Wyatt Lee, and CERTIFIED FINANCIAL PLANNER^® professional, Stuart Ritter. Together, they unpack the world of target date solutions, one of the most popular investment vehicles designed to simplify the path to retirement. Topics covered will include the history of target date solutions, along with their purpose and benefits.

Why is it important to put yourself first when it comes to saving for retirement? Our experts from T. Rowe Price discuss some saving habits that can keep you on track for retirement.

Jennifer Almeida, CFP^®, Judith Ward, CFP^®

This episode covers topics such as full retirement age, claiming strategies, and taxation of benefits. 

Eugene Frattine, CRPC^®, Roger Young, CFP^®

This episode addresses considerations around health care, Social Security, and estate planning. 

Jean Dunn, CFP^®, Tom Kazmierczak

Our experts from T. Rowe Price highlight when you can make some decisions around contributions and distributions to retirement accounts. 

Kelley Coates-Carter, CFP^®, Natalia Garayoa CRPC^®

Our experts from T. Rowe Price discuss financial, health care, Social Security, and estate planning considerations for single individuals.   

Jean Dunn, CFP^®, Emily Herstein, CFP^®

This episode will address considerations around health care, Social Security, and estate planning.   

Stuart Ritter, CFP^®, Lindsay Theodore, CFP^®

The episode will also address how to save for college while not creating a cash flow problem in retirement as well as features employers may offer to help with paying down student debt or saving for college.  

Joshua Dietch, Alyson Luszcz

This episode will also address the triple-tax benefits of HSAs. 

Patrick Delaney, Roger Young, CFP^®

Our experts from T. Rowe Price will share their thoughts on what individuals and employers can do to help improve their retirement outcomes. 

Sudipto Banerjee, Ph.D., Jerome Clark, CFA^®

The conversation will also discuss the benefits of working longer and how to make your retirement savings last. 

Lindsay Theodore, CFP^®, Judith Ward, CFP^®

This episode will also cover how you can transfer your RMDs to charity through a qualified charitable distribution and other options you have for reinvesting that money. 

Kelley Coates-Carter, CFP^®, Judith Ward, CFP^®

This episode will also discuss contribution and distribution options and other plan features, including auto-rebalance and auto-increase. 

Jennifer Almeida, CFP^®, Kelli Parris CFP^®

Our experts will discuss accounts such as SEP-IRAs and SIMPLE IRAs and how small business owners can provide retirement savings options for their employees.

Alex Eaton, Roger Young, CFP^®

Our experts from T. Rowe Price will share some icebreaking tips on how to talk about money in a way that everyone can relate to.

Jean Dunn, CFP^®, Emily Herstein, CFP^®

Our experts from T. Rowe Price will tackle these topics as well as retirement expenses and how to find a financial professional. Other topics to be discussed include caregiving provisions, tax strategies, and working with financial professionals.   

Erich Luebkert, CFP^®, Samantha Smith, CFP^®

In this episode, host Michael Davis is joined by Michael DiJoseph and Judith Ward. Listen to understand what market volatility is and how investors both near and far from retirement can respond to it.

Michael DiJoseph, CFA, Judith Ward, CFP^®

In this episode, host Michael Davis is joined by Michael DiJoseph and Roger Young. Listen to learn ways you can catch up on saving for retirement as well as how to prioritize short- and long-term financial goals.

Michael DiJoseph, CFA, Roger Young, CFP^®

In this episode, host Michael Davis is joined by Jean Dunn and Judith Ward. Listen to learn how wage and lifetime income gaps impact women’s retirement savings as well as the likelihood that women will have longer retirements than men.

Jean Dunn, CFP^®, Judith Ward, CFP^®

In this episode, host Michael Davis is joined by Marty Allenbaugh  and Jean Dunn. Listen for tips on how to start a conversation about family finances and what you can do to get your financial affairs in order.

Marty Allenbaugh, CFP^®, Jean Dunn, CFP^®

In this episode, host Michael Davis is joined by Sudipto Banerjee and Stuart Ritter. Listen to a discussion on the potential range of health care expenses so you can better prepare for retirement.

Sudipto Banerjee, Ph.D., Stuart Ritter, CFP^®

In this episode, host Michael Davis is joined by Jeremy Flagg and Judith Ward. Listen to a discussion on cash and the role it plays in the finances of preretirees and retirees.

Jeremy Flagg, CRPC^®, Judith Ward, CFP^®

In this episode, host Michael Davis is joined by Ope Afe and Judith Ward. Listen to a discussion on savings and investing decisions, and goals you should consider to make the most of your retirement account.

Ope Afe, CRPC^®, Judith Ward, CFP^®

In this episode, host Michael Davis is joined by Sudipto Banerjee and Stuart Ritter. Listen to learn more about retirees’ most common expenses and how you can prepare for your future retirement spending needs.

Sudipto Banerjee, Ph.D., Stuart Ritter, CFP^®

This episode covers the basics of individual retirement accounts (IRAs) and how to determine which type may be right for you.

Christopher Ruby, CFPRoger Young, CFP^®

This episode discusses the tax benefits of Traditional and Roth IRAs.

Michael DiJoseph, CFA, Roger Young, CFP^®

This episode will discuss the financial and nonfinancial aspects of retirement while focusing on lifestyle and purpose.

Stuart Ritter, CFP^®, Lindsay Theodore, CFP^®

These employer-based savings accounts are a valuable retirement savings tool. 

Jennifer Almeida, CFP^®, Samantha Smith, CFP^®

Our experts from T. Rowe Price will discuss what you should consider before accessing your old 401(k) account.

Marty Allenbaugh, CFP^®, Samantha Smith, CFP^®

Our experts from T. Rowe Price explain how we can better make the connection between our financial choices today and how they may influence our attitude or confidence toward retirement. 

Joshua Dietch, Rachel Weker

Our experts from T. Rowe Price will discuss different income sources you may have in retirement and how you can close the gap between what you have saved and what you may need to cover expenses.  

Jeremy Flagg, CRPC^®, Erich Luebkert, CFP^®