
Roger A. Young, CFP®
Senior Financial Planner, T. Rowe Price
Roger Young is Vice President and senior financial planner with T. Rowe Price Associates in Owings Mills, Md. Roger draws upon his previous experience as a financial adviser to share practical insights on retirement and personal finance topics of interest to individuals and advisers. Roger has master's degrees from Carnegie Mellon University and the University of Maryland, as well as a BBA in accounting from Loyola College (Md.). He has earned the CERTIFIED FINANCIAL PLANNER™ designation and is a Series 7 and 66 registered representative.
A father of three, Roger supports organizations that benefit young people and serves on the board of directors for Junior Achievement of Central Maryland.
Website: http://troweprice.com/insights
4 Reasons 401(k) Plans Still Make Sense

401(k)s
4 Reasons 401(k) Plans Still Make Sense
These tax-advantaged accounts remain the backbone of a retirement saving strategy, despite what naysayers might argue.
August 25, 2020
Stay on Top of RMD Rule Changes for 2020

required minimum distributions (RMDs)
Stay on Top of RMD Rule Changes for 2020
Between the SECURE Act and the CARES Act, the landscape has changed for RMDs this year. You don’t need to take one, for instance. And if you already h…
June 29, 2020
SECURE Act: What to Do Now to Help Limit Heirs' Taxes Later

retirement
SECURE Act: What to Do Now to Help Limit Heirs' Taxes Later
The new retirement law significantly impacts beneficiaries of retirement accounts and trusts. To limit the tax ramifications, consider your options.
February 27, 2020
Should I Accept a Lump-Sum Pension Offer from My Old Employer?

retirement
Should I Accept a Lump-Sum Pension Offer from My Old Employer?
Companies continue to offer lump-sum pension payouts to former employees. Deciding whether to accept this offer depends on your goals, risk tolerance …
November 19, 2019
3 Reasons to Consider Making Changes During Medicare Open Enrollment

insurance
3 Reasons to Consider Making Changes During Medicare Open Enrollment
Between Oct. 15 and Dec. 7, Medicare participants can make changes to their plan(s). Here are a few reasons you may want to take advantage of this ope…
October 17, 2019
How You — and Your Kids — Can Make Smart Student Loan Decisions

college
How You — and Your Kids — Can Make Smart Student Loan Decisions
The commitments you make now have consequences that could last for decades. Being well-informed about student debt and repayment can make a world of d…
August 20, 2019
Which Bucket Should Retirees Tap First, for Their Heirs' Sake?

retirement
Which Bucket Should Retirees Tap First, for Their Heirs' Sake?
Does it make more sense to pull money out of your Roth IRA or your brokerage account for your income? Consider the full picture when deciding whether …
July 15, 2019
How Can I Estimate the Income I'll Need in Retirement?

retirement
How Can I Estimate the Income I'll Need in Retirement?
With a little personalization, the income replacement metric can be a useful tool.
June 3, 2019
How Worried Should I Be About the 'Tax Torpedo'?

social security
How Worried Should I Be About the 'Tax Torpedo'?
Navigating taxes in retirement can be tricky. Here's what to look out for, especially when it comes to the tax hit you could take on your Social Secur…
April 25, 2019
Age Targets: How Much Should You Have Saved for Retirement By Now?

retirement
Age Targets: How Much Should You Have Saved for Retirement By Now?
Retirement savings benchmarks can be helpful tools to prompt action ... IF they're realistic. See if your savings are at least in the right ballpark.
February 27, 2019
Be Tax Smart About Leaving Assets to Your Heirs

taxes
Be Tax Smart About Leaving Assets to Your Heirs
The way you withdraw money in retirement can affect the next generation's tax burden. Sometimes it’s best to go against conventional wisdom when it co…
January 31, 2019
Getting the Most Out of Your Health Savings Account

insurance
Getting the Most Out of Your Health Savings Account
Congratulations, you signed up for an HSA-eligible health plan. From how much to contribute to considerations for investing the money, here's how to u…
December 26, 2018
Paying Taxes Wisely: A Fresh Look at Tax-Efficient Withdrawal Strategies

retirement
Paying Taxes Wisely: A Fresh Look at Tax-Efficient Withdrawal Strategies
Sometimes it pays to go against conventional wisdom. Here are two ways to possibly reduce taxes in retirement while extending the life of your nest eg…
December 3, 2018
High-Deductible Health Insurance Plan vs. Traditional: Which to Pick

insurance
High-Deductible Health Insurance Plan vs. Traditional: Which to Pick
If you are offered a high-deductible health insurance plan with a health savings account, it's important to understand both the insurance itself and t…
October 31, 2018
5 Key Financial Aid Considerations When Saving for College

college
5 Key Financial Aid Considerations When Saving for College
Get real about what you might need to pay for your child's education.
October 2, 2018
Should I Do a Roth Conversion?

IRAs
Should I Do a Roth Conversion?
This strategy has pros and cons. Here's why people early in retirement should give it a close look.
September 11, 2018
3 People Who Benefit from a Roth (and 2 Who Don't)

Roth IRAs
3 People Who Benefit from a Roth (and 2 Who Don't)
Who should go with a Roth and who should go with a traditional IRA or 401(k)? If you don't want to pay more in taxes than necessary, choose wisely.
July 20, 2018
3 Surprising Insights from a Former Financial Adviser

investing
3 Surprising Insights from a Former Financial Adviser
Knowing a little about what goes on behind the scenes can help investors get the most out of the relationship they have with their financial professio…
June 7, 2018