Customized retirement strategies from
T. Rowe Price
Personalized Retirement Manager
Speaker: Life is a journey, and that journey includes retirement planning. Financial complexities and unique needs can require a personalized path.
Your personal financial situation—including salary, savings rate, and other unique factors in your life—will inform where you are in this journey and your progress toward your retirement destination.
But you might not feel that you have the confidence or know-how to choose the appropriate investments for your retirement savings and make important decisions along the way.
That’s why your employer offers the T. Rowe Price Personalized Retirement Manager service.
Personalized Retirement Manager provides customized retirement planning guidance, such as how much to save, portfolio recommendations, and ongoing management of your investments, to help make the path forward clearer for you.
This service leverages a similar investment process and building blocks of the T. Rowe Price target date investment option that is currently in your plan.
Following just one path to retirement may not be right for everyone.
By combining the deliberate glide path strategy of your plan’s current target date investments with your personal factors, you will receive a personalized strategy that shifts stocks, bonds, and assets over time, while you are enrolled in the service, for a retirement investment approach that is as unique as you.
The more information you provide, the more tailored your recommendations will be.
T. Rowe Price Personalized Retirement Manager automatically adjusts and rebalances your mix of investments to help you stay on track to the kind of retirement you want to reach.
Explore more and get a look at your personalized strategy at rps.troweprice.com/advice.
What benefits does the service offer?
T. Rowe Price Personalized Retirement Manager provides retirement planning guidance tailored to your financial situation and ongoing support to help keep your investment strategy on track.
How it works
What can I do now?
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If you opt out, you will not be enrolled in T. Rowe Price Personalized Retirement Manager.
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By participating in the T. Rowe Price Personalized Retirement Manager (PRM) service, you agree that:
- T. Rowe Price Associates, Inc. (Price Associates), a registered investment adviser, is authorized to manage the eligible retirement assets in your account (Managed Account) by investing them exclusively in a recommended portfolio of T. Rowe Price Trusts (Price Trusts), which is based on an analysis of your personal and financial circumstances as obtained from your employer-sponsored retirement plan recordkeeping data and any inputs you provide, and subject to any investment restrictions imposed by your plan sponsor;
- You will be charged an ongoing service fee based on the assets in your Managed Account and that Price Associates earns compensation through these service fees. You should review your PRM Advisory Services Agreement and information about the service provided by your plan sponsor to confirm your applicable fees;
- The opt-in service of PRM (“Interactive PRM”) is offered only online through the PRM interface portal and that participation in the Interactive PRM requires access to the Internet and a valid email address; and
- The PRM service consists entirely of Price Trusts and Price Associates does not consider third party investment products for PRM. The units of the Price Trusts available through PRM do not charge a trustee fee. Therefore, Price Associates and its affiliates will not receive advisory fees or similar investment management fees directly from the Price Trusts resulting from PRM account assets. Price Associates has an incentive to select Price Trusts when providing the PRM service to increase benefits or lower costs to Price Associates and/or its affiliates, including helping the Price Trusts achieve economies of scale or by enhancing cash flows to the Price Trusts. This conflict of interest could result in participants who use the PRM service experiencing lower performance or higher fees than if they invest in another retirement solution that provides access to third-party investment products or if participants were to invest in Price Trusts directly rather than through PRM. Price Associates does not pay any compensation to its affiliate T. Rowe Price Retirement Plan Services, Inc. (“RPS”) in connection with the PRM service.
The full terms and conditions of the PRM service are provided in the PRM Advisory Services Agreement below.
By clicking the checkbox below, you consent to the following electronic access and delivery requirements:
- You agree to accept electronic delivery (as available) of all communications, documents, and disclosures that are necessary for enrollment and participation in the Interactive PRM (collectively, PRM Communications) and all applicable updates, modifications, and amendments of these PRM Communications. Price Associates will typically send you an email containing a URL link or attachment to access PRM Communications.
- Price Associates will rely on the email address for you on file with your plan’s recordkeeper to deliver the PRM Communications. It is your obligation to maintain an accurate and up-to-date email address and to ensure that you have the ability to read, download, print, and retain all PRM Communications you wish to retain. You may view, verify, and change your email address at any time via your Profile.
- Electronic delivery of the PRM Communications is deemed accepted, regardless of whether you access or view a particular document or communication. This Consent to Electronic Access and Delivery is effective until revoked. You may revoke your Consent to Electronic Access and Delivery of the PRM Communications or request a paper copy of PRM Communications at any time by contacting a call center representative at @@ADVISER_PHONE_NUMBER@@. If you revoke Consent to Electronic Access and Delivery, Price Associates, in its sole discretion, will terminate your access to PRM and unenroll you from the service.
Before you continue, make sure you understand and agree to the terms and conditions set forth in the:
- Key Points;
- PRM Advisory Services Agreement and PRM Schedule of Fees;
- Consent to Electronic Access and Delivery (as further described in the PRM Advisory Services Agreement); and
- Acknowledge receipt of the Price Associates Form ADV Brochure, Brochure Supplement(s), PRM Advisory Services Agreement, PRM Schedule of Fees and the T. Rowe Price Privacy Policy.
All communications related to the T. Rowe Price Personalized Retirement Manager will be delivered to you electronically. Please confirm or change your email address listed below, which will be saved to your Profile.
All communications related to the T. Rowe Price Personalized Retirement Manager will be delivered to you electronically. Please provide your email address below, which will be saved to your Profile.
Email Address
By clicking “Save & Continue,” I confirm that I have read, understand, and agree to the T. Rowe Price Personalized Retirement Manager Terms and Conditions.