Denver, CO Office

T. Rowe Price Advisory Services, Inc. offers the T. Rowe Price Retirement Advisory Service to individual investors and households focused on retirement goals, combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management with telephone access to a financial advisor supported by an online planning tool. The program generally requires about $250,000 in aggregate investable assets to enroll in planning and the same minimum to open managed accounts, and it delivers point‑in‑time financial plans and annual reviews for enrolled households.

Portfolios are implemented at the household level using model allocations that range roughly from 10% to 100% equity and are invested exclusively in selected T. Rowe Price mutual funds and ETFs; the firm employs asset‑location logic, tax‑aware rebalancing (including minimizing short‑term gains), periodic tactical/opportunistic allocations, and typically uses I‑class shares where available. Financial plans and retirement income projections are produced with Monte Carlo simulations through an interactive online tool, and account management is executed on a discretionary basis once clients enroll and accept the investment proposal.

Several features distinguish TRP Advisory Services from many large enterprise advisers: the firm is registered with the CFTC as a commodity pool operator (an uncommon regulatory posture for firms of this type), it operates from a small office footprint relative to peers and its brochure does not list high‑net‑worth individuals, charitable organizations, or pension/profit‑sharing plans as client types. The Service is also limited to proprietary Price Funds and explicitly does not evaluate or recommend third‑party funds, other advisers, or individual securities, and it requires electronic delivery and electronic signatures as part of enrollment.