Practical guidance and steady support help clients pursue retirement success.

One of the more complex challenges many of our clients face is planning and saving for—and living in—retirement. T. Rowe Price helps meet that challenge by offering individuals, intermediaries, and institutions guidance and services beyond investment expertise. With more than 30 years of experience serving defined contribution plans and participants, we have a deep understanding of both investor behavior and retirement planning. This combination of experience and insight, backed by world-class service, helps clients feel confident that T. Rowe Price can help them achieve their retirement-related goals.

GUIDANCE AND TOOLS ADDRESS INDIVIDUAL NEEDS

"Financial advisors value our perspective. Our years of experience serving workplace retirement plans and managing target date portfolios mean we can offer advisors valuable insights into how best to use the portfolios," says Mark Cover, head of U.S. Financial Institution Distribution Services. "Our specialized team provides advisors with retirement expertise that complements the service they already offer."

We understand that for individual investors—including workplace plan participants—making sound retirement decisions can be particularly complicated. Most are juggling competing financial priorities and trying
to balance those demands against the need to save enough to maintain their current lifestyle in retirement. For these clients, we focus on providing comprehensive retirement guidance.

For example, our Retire With Confidence® Program for Participants, which incorporates both lifestage communications and personalized guidance, includes the opportunity to participate in a complimentary one-on-one consultation with a T. Rowe Price retirement specialist.

During these consultations, our associates take the time to ask about each client's life goals, time horizon, and risk tolerance. "Most retirement conversations start with an investment question from the client," says Jeremy Flagg, a retirement counselor. "They often wind up being about all of the other factors that affect retirement because investment decisions only make sense after you understand the context."

86%
of those surveyed say they would
recommend our one-on-one consultation
service to a friend or relative.3
Defined
contribution
plan sponsors recently ranked
T. Rowe Price
as the industry's “most trusted” retirement plan provider.4

SERVICES LEAD TO MORE CONFIDENCE
IN RETIREMENT PLANNING

Ultimately, many of the retirement services that T. Rowe Price offers, including investments, guidance, and tools, are designed to help clients answer their fundamental questions:

"How much should I save and in what kind of accounts?," "How can I invest in a way that will create sustainable income in retirement?," and "How should I approach spending in retirement?"

The answers to these questions depend on individual circumstances. But armed with guiding principles to address them, we believe our clients can make better long-term financial decisions.

3 FORESEE survey results as of December 2014.
4 National Association of Retirement Plan Participants (NARPP) Plan Sponsor Trust and Confidence Study, March 2014. The study included the opinions of 809 plan sponsors ranging in size from under $5 million to over $250 million in plan assets (average $90.5 million). All major industry groups were represented in the sample. A sampling size of 809 yields a maximum error of +/- 3.4 percentage points at a 95% confidence level. The questionnaire used was designed by NARPP, Boston Research Technologies, and Stanford University.