Michael Kubik is a portfolio construction specialist within the U.S. Investment Services division and a vice president of T. Rowe Price Investment Services, Inc. Michael earned a B.S., magna cum laude, in finance from Towson University and an M.B.A., summa cum laude, in finance from Johns Hopkins University. He has earned the Chartered Financial Analyst designation and is a senior professional lecturer at Johns Hopkins University Carey Business School. He is also a Series 7 and 63 registered representative..