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Financial wellness for a lifetime

Saving for retirement early and steadily is sound guidance.

But for those balancing competing financial priorities or struggling to pay their bills, saving for retirement that may be decades away takes a backseat.

We believe that financial wellness and retirement readiness go hand in hand. Our financial wellness framework is built directly into the participant experience, giving participants education and guidance for all of their financial goals—including retirement.

Check. Set. Act. Repeat.

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Workplaces work better when employees are financially fit.

At T. Rowe Price, financial wellness isn’t a once-and-done activity. It’s a journey that continues throughout the participant’s lifecycle in the plan, providing the right level of encouragement and education — producing tangible outcomes that ultimately propel participants to and through retirement.


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Our approach to financial wellness

Without financial wellness, most participants cannot and will not save enough for retirement. The financial decisions they make directly or indirectly affect others. By incorporating our financial wellness framework into their journey, we can reach participants through existing channels: educating them about their financial situations, and connecting the dots between their goals and the steps needed to reach them.


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Assess Current Financial Health

Our financial wellness framework gives participants a holistic look at where they are financially—and not just for retirement.

Online calculators, tools, and other resources help participants assess their current financial health so they’re better equipped to save for short- and long-term goals.


Set Meaningful Financial Goals

Becoming financially fit doesn’t happen overnight. Our resources help participants take small but purposeful steps toward long-term financial success.

Whether their goal is to increase contributions for retirement or to save $1,000 in a rainy day fund, we provide guidance that can help them set actionable goals for the financial issues that matter most to them.

Drive Ongoing Action

With competing savings goals, every participant’s journey to financial wellness looks a little different.

To help them along the away, we provide individualized experiences that grow and evolve with each participant.

Participants receive highly memorable touchpoints that encourage them to stay on track and take the next natural step toward their goal.

Retirement: One of many destinations

Saving for a retirement that may last 20 years or more can be intimidating, especially for the average participant who is already balancing multiple financial goals.

Financial well-being is about empowering individuals to achieve their near- and long-term goals, including a successful retirement. In the end, participants learn that saving for retirement doesn’t mean giving up on another goal. It’s about establishing a firm financial footing so they’re able to save without trade-offs.


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An Intuitive Participant Experience

We’ve developed an intuitive, dynamic program that makes it easy for participants to make good financial choices today. 
It’s simple, it’s personalized, and it’s visually compelling.

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Smart Dollar

A comprehensive program available through our financial wellness offer which combines education components with clear, progressive steps to help employees set financial goals. This is an optional service available to all T. Rowe Price full-service recordkeeping clients.

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Health Savings Accounts (HSAs)

Our solution through ConnectYourCare, a leading expert in consumer directed health care solutions, provides an opportunity to improve overall financial wellness for participants.

HSAs give participants in high-deductible health plans (HDHPs) more flexibility over their health care finances, offering significant tax advantages and a choice of account investments.

*SmartDollar is provided by a third party and is not affiliated with T. Rowe Price Retirement Plan Services, Inc. or their affiliates. There are fees associated with offering this service.

Contact your T. Rowe Price representative to find out how we can take your plan to the next level.