Our guest today on the podcast is Judith Ward, senior financial planner and a vice president of T. Rowe Associates. In her role at T. Rowe, Ward provides guidance on personal finance and retirement-related issues and is responsible for developing a broad range of financial-planning products and services. Additionally, she provides T. Rowe Price perspectives to individuals, institutions, and the media and contributes to T. Rowe Price publications. She has been with T. Rowe Price since 1983 and is a CFP certificant. BackgroundJudith Ward bio Related LinksPaying for College 2019 Parents, Kids & Money Survey How Much Cash Should You Have on Hand? Are Your Retirement Savings on Track? Retirement Savings Guidelines Aiming for a 15% Savings Goal Retirement Savings And Spending 4: Behaviors And Attitudes Toward Retirement T. Rowe Price Retirement Target-Date Fund Series Report Evaluating Roth and Pretax Retirement Savings Options Roth or Traditional IRA: Which Should You Choose? Five Ways to Avoid Drowning in Student Loan Debt 4 Reasons to Save for Retirement in a Taxable Account Using Health Savings Accounts Wisely Delaying Retirement But Not Your Retirement Dreams Retiring in a Volatile Market Dismal Decade Offers Cautionary Lessons for Retirees Should Your Withdrawals Mirror Your RMDs? 5 Great Uses for Your Required Minimum Distribution Helping Your Clients Decide When to Take Social Security Benefits