Retirement Advisory Service™
Time to partner with a financial advisor?
We offer 1:1 expert advice, portfolio management, and a custom financial plan to help you move toward your future confidently.
Retirement Advisory Service serves clients with $250,000 or more in household assets.
Your advisor can illuminate new opportunities that seek to enhance outcomes to your portfolio.
When you partner with a Retirement Advisory Service™ advisor, you are an active participant in your financial journey, not simply a spectator. Our advisors implement and share strategies, resources, options, and expert advice so you’re included in your plan management and understand the progress you’re making towards your goals.
We want you to feel empowered to make even smarter, more confident financial decisions, using insights from our decades of investment and retirement leadership.
Whether retirement is far away, fast approaching, or already here, now’s a good time to seek to optimize your plan. Let us help you.
1:1 Advisor Relationship
Your advisor is driven to deeply explore your goals and financial needs together, and often uncover unexpected sources of value or help you avoid costly missteps while making financial decisions.
Active-on-Active Management
Enjoy multiple layers of active management informed by our multi-asset team, with tax-aware approaches in mind.
Actionable Financial Plan
A detailed and evolving plan personalized to your needs and goals, created by a Certified Financial Planner™ and designed with T. Rowe Price mutual funds and exchange-traded funds.
Income Solver™
For enrolled retirees and those about to retire, your advisor will leverage our innovative tool designed to provide personalized, holistic retirement income strategies, including coordinating Social Security and Medicare.
Competitive Value
Retirement Advisory Service combines access to an advisor and a managed portfolio service for an average net advisory fee of 0.5%.1
Ready to plan?
Questions about Retirement Advisory Service?
Call Us Today: 1-866-230-0189
Forging a path forward, together.
Chapter 1:
Getting to know you
The conversation starts with learning about you.
We’ll begin by investing time in you, diving deep to understand what motivates you, and what worries keep you up at night. This includes filling out a brief questionnaire to learn more about your goals and objectives, so that we can create your complimentary plan.
Chapter 2:
Creating your complimentary plan
Your custom plan delivered to you, with questions welcomed.
Based on what we’ve learned, a Certified Financial PlannerTM will develop a highly personalized and actionable financial plan for your household, including investment recommendations for your portfolio.
This isn’t a templated form with your name put on it, it’s a comprehensive plan created specifically for you by a CFP professional. Your advisor will review your plan with you, eager to answer any questions you have or adjust based on your needs.
Chapter 3:
Ongoing maintenance & plan continuity
Update your plan as life happens and discover new opportunities.
While getting to know each other is a valuable first step, the benefits of an advised relationship grow as your relationship matures. A financial plan is a living document, one that should be updated alongside your life as it unfolds. Whether you’ve experienced a larger life event like marriage, passing of a loved one, or birth in the family; or something of a smaller scale, your advisor will update your plan – to help you overcome the complexities of the financial world.
Why T. Rowe Price is the best place to invest for retirement
85+
For over 85 years, our focus has been helping clients plan and save for retirement.
60%+
For the 10-year period ended September 30, 2025, over 60% of our mutual funds with a 10-year track record outperformed their 10-year Lipper average.2
80%+
Over 80% of our mutual funds for individual investors have gross expense ratios below their peer category averages.3
Past performance cannot guarantee future results.
People also ask:
Is there an investment minimum to get started?
Yes – you can receive a Financial Plan with just $250,000 in qualifying T. Rowe Price accounts or new investable assets.
T. Rowe Price account types that qualify:
Individual or joint accounts
Brokerage accounts
Traditional and Roth IRAs
Roth Rollover and Rollover IRAs
Revocable trust accounts
Traditional or Roth inherited IRAs
Transfer on Death (TOD) accounts
The following account types don’t qualify or count toward the minimum. However, you can include them in your Financial Plan to provide us with a more complete view of your financial situation.
SEP-IRA and SIMPLE IRA accounts
Workplace retirement accounts (e.g., 401(k), 403(b) accounts)
Education Savings Accounts
Not sure if you qualify for this service or which accounts are eligible? We can help. Call 1-866-230-0189.
Who builds my Financial Plan?
Our team of experts creates your personalized Financial Plan based on your current financial situation and goals. You benefit from our proprietary analysis and the insights of T. Rowe Price investment and asset allocation experts and CERTIFIED FINANCIAL PLANNER™ professionals (CFP®). CFP® professionals are trained to take a comprehensive view of financial situations and have completed robust competency and ethical requirements under professional standards governing CFP® professionals.
Your Financial Advisor is here to answer your questions and help you get on track—and stay on track—to meet your financial goals.
What's included in my Financial Plan?
Your Financial Plan consists of point-in-time planning, asset allocation, and T. Rowe Price fund advice for your retirement and other financial goals. Plan features will include:
Summary of your financial situation
Summary of your goals and our analysis
Retirement saving and drawdown strategy
Social Security analysis
Assessment of your risk tolerance
Your current portfolio compared with our recommended model portfolio
Recommended action steps
What’s the questionnaire completion process like?
Plan to spend 15-30 minutes on the questionnaire. It is designed to gather key elements to help construct a tailored financial plan for you. Don't worry, you don't need to get it perfect, as your financial advisor will review this information as part of the initial appointment.
Your information auto-saves as you go through the questionnaire. You can pause and come back later to finish if you need to.
To save time, have the following information on hand when you begin the questionnaire:
Your annual income
Your retirement savings
If linking accounts: Your login credentials for investment accounts outside of T. Rowe Price
If entering accounts manually: Relevant financial statements, such as your quarterly mutual fund statement, year-end brokerage statement, or pension statement (if applicable)
Taking the next step is always a good plan for retirement
Ready to get started?
Take our brief 15-minute questionnaire to help us get to know you and your goals better.
Talk with us to learn more.
Our team is standing by to help you explore Retirement Advisory Service, and understand how we can help bring you better outcomes.
Looking to build your retirement confidence?
Inform your financial confidence journey with Insights from our experts.
Important information about our relationship with you: Customer Relationship Summaries (or “Forms CRS”), which offer a brief summary of our services, fees and obligations when we work with you in a broker-dealer or an investment advisory relationship.
*On April 28, 2025, T. Rowe Price was named as one of the best financial advisory firms of 2025. The ranking of the best registered investment advisory firms (RIA Firms) was determined using a methodology that considered recommendations by clients, industry experts, and financial advisors, as well as the development of Assets under Management (AUM). Recommendations were gathered through an independent survey of over 30,000 individuals, with self-recommendations prohibited. AUM development was analyzed using publicly available data, with short-term development assessed over a 12-month period from January 2024 to January 2025, and long-term development over a five-year period from 2020 to 2025. The final score was calculated by weighting recommendations at 20% and AUM development at 80%, with a 30/70 ratio for short-term and long-term AUM growth. The data used for the analysis was collected up to January 2025. The award was presented by USA Today and Statista Inc., a leading statistics portal and industry ranking provider that tabulated the rating. T. Rowe Price is not affiliated with USA Today or Statista. T. Rowe Price provided no compensation either directly or indirectly in connection with obtaining or using this rating.
1The average net advisory fee for the service assumes the use of primary funds and neutral portfolio weightings. Your actual net advisory fees will vary depending on your recommended model portfolio, the specific mix of funds in your managed portfolio, and their fees and expenses. The estimated net advisory fees for the model portfolios ranged from 0.41% - 0.55% as of April 2025. You will also pay the fees and expenses of the funds held in your managed portfolio. The total cost you are expected to pay for advice, which includes the net advisory fee and the underlying fund fees and expenses, is approximately 0.9% of assets under management. For additional information on fees and expenses of the service, please read the Fees and Compensation section of the Retirement Advisory Service ADV Brochure (PDF).
Investments in the T. Rowe Price Retirement Advisory ServiceTM are subject to the risks associated with investing in mutual funds and exchange-traded funds, which may result in loss of principal. T. Rowe Price does not guarantee the results of our investment management, or that the objectives of the funds or portfolios will be met. Financial planning and retirement income planning in the T. Rowe Price Retirement Advisory Service involve forward-looking projections that are based upon information provided by clients and certain assumptions about future events. Forward-looking projections are based on a limited set of assumptions and actual future outcomes may differ significantly from the projections; therefore, they should be used only as an aid for a client’s planning and decision-making and not as a guarantee of what will happen in the future.
The T. Rowe Price Retirement Advisory Service™ is a nondiscretionary financial planning and retirement income planning service and a discretionary managed account program provided by T. Rowe Price Advisory Services, Inc., a registered investment adviser under the Investment Advisers Act of 1940. Brokerage accounts for the Retirement Advisory Service are provided by T. Rowe Price Investment Services, Inc., member FINRA/SIPC, and are carried by Pershing LLC, a BNY Mellon company, member NYSE/FINRA/SIPC, which acts as a clearing broker for T. Rowe Price Investment Services, Inc. T. Rowe Price Advisory Services, Inc. and T. Rowe Price Investment Services, Inc. are affiliated companies.
ETFs are bought and sold at market prices, not net asset value. Investors generally incur the cost of the spread between the prices at which shares are bought and sold and may incur additional transaction costs.
2142 of our 307 mutual funds had a 10-year track record as of 9/30/2025 (includes Investor Class and I Class Shares). 88 of these 142 mutual funds (62%) beat their Lipper average for the 10-year period. 154 of 301 (51%), 159 of 280 (57%), and 137 of 241 (57%) of the mutual funds outperformed their Lipper average for the 1-, 3-, and 5-year periods ended 9/30/2025, respectively. Calculations based on cumulative total return. Not all mutual funds outperformed for all periods. (Source for data: Lipper Inc.) Past performance is no guarantee or a reliable indicator of future results.
3Source: Lipper Inc. 124 of 153 of our Investor Class mutual funds (excludes mutual funds not available for direct purchase) more than 6 months old had gross expense ratios below their Lipper averages based on fiscal year-end data available as of 9/30/2025.
202505-4511978