Stephen Bozeman is the asset class product manager for T. Rowe Price's target date funds. His focus is working with Research, Investments, and Distribution on product strategy, development, and management across all of T. Rowe Price's global target date fund product suite. He is a vice president of T. Rowe Price Group, Inc. Stephen has over 20 years of prior industry experience. Prior to joining T. Rowe Price in 2017, He was a managing director and senior member of BlackRock's Global Retirement Strategy Group. In this role, he was responsible for commercializing BlackRock's retirement products and technologies globally and supporting BlackRock's target date fund business outside the United States. He was also responsible for leading BlackRock's CoRI® Retirement Index business. Stephen began his career at Barclays Global Investors (BGI) in 1996, where he served in a variety of roles, including managing institutional pension relationships; working on business development; managing the pension outsourcing platform, PensionSpan; and providing oversight for BGI's small institutional client service platform, Client Connect. Stephen earned a B.S. in business administration from Northeastern University.

Scott Cohen is a lead manager in the Participant Communications Group for T. Rowe Price Retirement Plan Services. He is primarily responsible for representing the participant communications experience to both existing and prospective clients. Scott joined the firm in 2009 and was part of the Participant Service Center, where he took inquiries from participants about their retirement plans. He later joined the adjustments control team, where he reviewed account histories to minimize financial exposure to clients and T. Rowe Price. Scott earned a B.S. in economics from the University of Maryland.

Kevin Collins is a vice president of T. Rowe Price Group, Inc., T. Rowe Price Retirement Plan Services, Inc., and T. Rowe Price Trust Company. He is head of the Retirement Plan Services division. Prior to his current role, Kevin was head of Product and Platforms, head of Sales and head of Client Services for the Retirement Plan Services division. He also was the chief administrative officer for the Global Investment Management Services division, the organization responsible for the firm's institutional business worldwide, and for Global Asset Management, the investment management organization responsible for assets sourced in Japan. Kevin earned a B.S. in accounting from the University of Scranton and an M.B.A. from the University of Maryland. He is a Series 7 and 24 registered representative.

Marcie Daniel is a senior manager with T. Rowe Price US Intermediaries Product and Marketing. As the lead of the Retirement Offer team, she is responsible for overseeing the development and delivery of our Retirement Programs to the intermediary community. In prior roles, Marcie has led product development and communications efforts within Retirement Plan Services, in addition to other roles within Product and Marketing across the firm, delivering thought leadership content and developing products and services. She earned a B.A. in Psychology from Kenyon College, and an M.B.A. from Johns Hopkins Carey School of Business.

Joshua Dietch is a vice president of T. Rowe Price Associates, Inc., and the group manager of Retirement & Financial Education. Joshua joined T. Rowe Price in 2017 and is responsible for leading a team of researchers and writers who create retirement and personal financial planning thought leadership in support of the firm's individual investor, workplace retirement, intermediary, and institutional businesses. He has over 20 years of experience in financial services, having held a number of senior industry roles, including head of Retirement and Institutional with Strategic Insight, managing director with Chatham Partners, director of Product Marketing and Management with ADP Retirement Services, and associate director of Institutional Markets with Cerulli Associates. In addition to his current role at T. Rowe Price, Joshua is an Executive Committee member of the Defined Contribution Institutional Investment Association and is chair of its Retirement Research Board. He earned a B.A. in history from Bates College and is a Series 7 and 66 registered representative.

Craig Keim is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Retirement Plan Services, Inc. He is the director of Defined Contribution Investment Relationship Management for T. Rowe Price Group, Inc. He has over 20 years of experience working with clients and intermediaries in the investment and retirement plan industry, most of which have been at T. Rowe Price. Prior to joining the firm in 2000, Craig served in various management roles at West Life & Annuity. Craig earned a B.A. in public affairs and philosophy from Claremont McKenna College and received an M.B.A. from the University of Denver. He has earned theChartered Financial Analyst (CFA) designation and is a Series 6, 7, 63, 24, and 26 registered representative.

Wyatt Lee is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Associates, Inc. and is a co-portfolio manager of the Retirement Date Funds. Wyatt also has portfolio management responsibilities for the Global Real Assets Equity Fund. He serves as president and Investment Advisory Committee chairman of the Real Assets Fund. Prior to joining the firm in 1999, Wyatt was a research analyst for Summit Strategies Group, an institutional investment consultant. He earned a B.S. in mathematics and political science, cum laude, from Vanderbilt University and an M.B.A. in finance from the Olin School of Business at Washington University, where he was a Charles F. Knight Scholar. Wyatt also has earned the Chartered Financial Analyst designation.

Jennifer O'Hara Martin is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Associates, Inc., and a portfolio specialist in the US Equity Division. Jennifer is a member of the US Structured Research Equity Strategy portfolio oversight team, the Investment Advisory Committee of the Capital Opportunity Fund, and the Global Technology Strategy team. She joined the firm as a research analyst in 2005. As an analyst, Jennifer covered food retailing and discount stores and had portfolio management responsibilities in the firm's US Structured Research Equity Strategy. Prior to this, she was a research analyst at Northern Trust, following telecommunications and business services companies. Jennifer was also employed by Merrill Lynch, where she worked as an investment banking analyst. She earned a B.S. in agricultural economics from the University of Illinois at Urbana-Champaign and an M.B.A. from Northwestern University, Kellogg School of Management. Jennifer presently serves on the Board of Trustees of the Baltimore Museum of Art.

Lisa McGarvey is an assistant vice president for T. Rowe Price Retirement Plan Services, Inc., and is a relationship manager within the Retirement Plan Services division. Lisa has served in the role of relationship manager for small- and mid-market clients since 2006. Prior to joining the relationship management team, Lisa spent time in our Participant Communications Group working with our mid- and large-market clients. She joined T. Rowe Price in 1999 and had numerous positions within the financial services industry prior to joining the firm. Lisa earned a B.S. in anthropology from the University of Colorado. She is a Series 6, 63, 7, and 66 registered representative, has received her Claritas Investment Certificate, and has completed the ASPPA Retirement Plan Fundamentals 1 and 2 exams.

Brad Meltzer is the #1 New York Times best-selling author of The Inner Circle, The Book of Fate, and nine other best-selling thrillers. In addition to his fiction, Meltzer is one of the only authors to ever have books on the best seller list for Non-Fiction (History Decoded), Advice (Heroes for My Son and Heroes for My Daughter), Children’s Books (I Am Amelia Earhart and I Am Abraham Lincoln) and even comic books (Justice League of America), for which he won the prestigious Eisner Award.

He is also the host of Decoded on the History Channel, and Brad Meltzer’s Lost History on H2. The Hollywood Reporter recently put him on their list of Hollywood’s 25 Most Powerful Authors.

Thanks to his TV show, Meltzer is also responsible for helping find the missing 9/11 flag that the firefighters raised at Ground Zero, making national news on the 15th anniversary of 9/11.

For sure, it’s tough to find anyone being so successful in so many different mediums of the popular culture. But why does Meltzer thrive in all these different professions? His belief that ordinary people change the world. It is that core belief that runs through every one of his projects.

But what will inspire and dazzle audiences is Meltzer’s personal story, which took him from the loss of his father’s job, to the #1 spot on the best seller list. Twice. It is a story filled with perseverance, focus, and the commitment to one’s dream. And thanks to his recent nonfiction hits, Heroes For My Son and Heroes For My Daughter, it is a story filled with the inspirational tales of the Wright Brothers, Abraham Lincoln, Rosa Parks, Jim Henson, Mr. Rogers and more. It is a story that has been told to corporate leaders, industry heads, U.S. Senators, Supreme Court Justices, and even recurring invitations from a former U.S. President. Meltzer is always entertaining, but in this book he wrote for his son and daughter, he is simply one of the most inspiring speakers you’ll hear.

Meltzer is a graduate of the University of Michigan and Columbia Law School.

His books have spent over a year on the best seller lists, and have been translated into over 25 languages, from Hebrew to Bulgarian. Meltzer has played himself as an extra in Woody Allen's Celebrity and earned credit from Columbia Law School for writing his first book, which became The Tenth Justice. Before all of that, he got 24 rejection letters for his true first novel, which still sits on his shelf, published by Kinko's.

Meltzer has appeared on NBC, ABC, CBS, CNN, Fox News, and the top TV shows in the country, including The Today Show, The O’Reilly Factor, Good Morning America, CNN, Fox & Friends, Lou Dobbs Tonight and dozens more. He’s been featured everywhere including Vanity Fair, USA Today, People Magazine, Time Magazine, Newsweek, Entertainment Weekly, New York Times, Washington Post, and nearly every major newspaper in the country, which is why he’s been called “America’s Historian.”

Francisco Negrón is the head of Client Services within T. Rowe Price Retirement Plan Services. He is a vice president of T. Rowe Price Group, Inc., T. Rowe Price Trust Company, and T. Rowe Price Retirement Plan Services, Inc. Previously, he was the national director of relationship management for Retirement Plan Services. Francisco joined the firm in 1987. Prior to joining the Client Services Group, he was a business unit manager in the Client Administration Group of Retirement Plan Services Operations. Francisco earned a B.S. in business administration from Houghton College and is a Series 7, 24, and 63 registered representative. Francisco also serves on the T. Rowe Price Ethnic Diversity Roundtable.

Margaret Raymond is a vice president of T. Rowe Price Group, Inc., and T. Rowe Price Associates, Inc. She is a managing counsel, focusing on legal matters relating to retirement savings, including ERISA fiduciary principles and other retirement plan administration topics. Margaret has over 25 years' experience counseling and defending retirement plans and service providers. Prior to joining the firm in 2012, she worked at Fidelity Investments as a senior vice president and deputy general counsel supporting Fidelity retirement services. From 1991 to 1995, she worked as a trial attorney at the U.S. Department of Labor, where she focused on ERISA enforcement and, before that, at the law firm of Sullivan & Worcester. She received her B.A. from Rice University and her J.D., magna cum laude, from Boston University. Margaret is current chair of the Retirement Income Task Force of the American Benefits Council and is a frequent speaker on retirement legal topics at industry events.

Stuart L. Ritter is a senior financial planner in the Individual Investors segment of T. Rowe Price Associates. He applies personal finance expertise to conduct research, share key insights, and develop solutions for clients across a broad range of financial planning topics. He also serves as a spokesperson to national media organizations. He has been a senior vice president with PNC Financial Services Group and, during his almost two decades at T. Rowe Price before that, served in a variety of roles, including thought leadership and product development. Stuart earned an M.A. in political science from American University and a B.S. in electrical engineering from the University of Maryland College Park. He is a CERTIFIED FINANCIAL PLANNER professional; is a Series 6, 7, and 66 registered representative; and has taught personal finance as an adjunct faculty member at Johns Hopkins University. He is on the Boards of MakingChange and the Maryland Council on Economic Education, both of which are nonprofit community organizations that support financial education.

Katherine Scheungrab is a senior product manager in T. Rowe Price Retirement Plan Services. As a senior manager in Product, she is responsible for exploring new innovations and opportunities and developing strategies for delivering value-add products and services to clients. Prior to this role, Katherine managed associates within Client Administration supporting day-to-day client interactions. She has also worked in other roles within Retirement Plan Services managing technology and trading functions. She earned a B.A. in business administration from Towson University.

Luke Schroeder is an assistant vice president of T. Rowe Price Retirement Plan Services, Inc. He is a relationship manager within the Retirement Plan Services division and began his career with T. Rowe Price in 2000 in the Retirement Plan Services Operations Group. Luke held several roles in Operations during his tenure, including retirement plan coordinator, client administration manager, Participant Service Center supervisor, and group manager. In 2013, Luke moved into his current role. He is a graduate of the T. Rowe Price EDGE Program, aimed at developing leaders and managers. In 2016, Luke was recognized by the Life Insurance Market Research Association (LIMRA) as one of the top 25 retirement industry professionals under 40 for his dedicated work serving institutional retirement clients. Luke earned a B.A. in business administration from Elon University and is a Series 7 and 63 registered representative.

Carrie Serio is a senior manager in T. Rowe Price Retirement Plan Services, Inc. As a senior manager in Marketing and Client Experience, she is responsible for evaluating, enhancing, and improving the Participant Experience, focused on deepening engagement, increasing participant action and improving retirement outcomes. Prior to this role, Carrie led a team of Product Owners focused on large market product management, development and optimization. She has also held several other roles within the firm, with a focus on people management and process improvement. She earned a B.B.A.in Marketing from James Madison University.

Lee Stevens is a vice president of T. Rowe Price Group, Inc., T. Rowe Price Retirement Plan Services, Inc., and T. Rowe Price Trust Company. She is the head of large- and mega-market sales for the Retirement Plan Services division. Prior to joining T. Rowe Price, Lee worked at JP Morgan Chase & Co. and its predecessor and successor firms. Starting her career in the asset management business, she took on increasing levels of responsibility in JP Morgan's retirement plan business, culminating as head of sales and client retention. She joined Empower Retirement when it acquired JP Morgan Retirement Plan Services' large-market recordkeeping unit and was responsible for the acquisition and stewardship of the firm's new and legacy institutional clients. In her most recent position, Lee served as head of sales for Great-West Investments and was a member of the firm's executive leadership team. Lee is a member of the DCIIA Retirement Income Committee and speaks at industry conferences. She earned a bachelor of arts, magna cum laude, in urban studies from Brown University, and she is a Series 6, 7, 24, and 26 registered representative.

Andrew Sykes is an author, adjunct lecturer in the Kellogg School of Business Executive Education Team and the founder and CEO of Habits at Work, a high performance habits training and development company in Chicago, where he and his team have spent the last 15 years researching which habits make the biggest difference to human performance in life and at work.

Andrew grew up, and later qualified as the youngest actuary at the time, in South Africa. There, he built one of the country’s largest healthcare consulting businesses. He has since lived, worked and run businesses and on six continents.

He has consulted with and trained the leadership, sales and customer success teams at some of the world’s largest companies, including Google, Shell Oil, McDonald’s, Nokia, British Aerospace, Unilever, Blue Cross Blue Shield, Coca Cola and many others.

Although his consulting experience is the source for many of his insights, Andrew’s real passion is speaking. He brings new and challenging perspectives to the topics he discusses, honed by his experience working around the world, and from applying his solutions in his consulting work.

Andrew’s presentations are lively, entertaining, and most importantly, your audience will leave with actionable takeaways to implement in their business, and the tools to do it!

Rachel Weker is a vice president of T. Rowe Price Retirement Plan Services, Inc. As a senior manager in the Product Management Group, she is responsible for market?driven innovation and emerging products and services. Prior to this role, she worked in Product Development and was responsible for multiple development strategies, including automated solutions, statements and personalization, advice and guidance, participant Web and mobile experience, and production on?demand solutions. She also serves on the executive committee for the Board of PACT: Helping Children with Special Needs, a nonprofit organization serving Maryland's medically fragile children. Prior to joining the firm in 1998, Rachel was an assistant vice president at Boatmen's Trust Company. She earned a B.S. in finance from the University of Illinois and also holds the designation of certified employee benefits specialist. She is a Series 7 registered representative.

Luke Williams is a globally recognized authority on innovation leadership. He works with organizations on challenges ranging from creating new products and services, to transforming organizational processes and behaviors. He is professor of Innovation and executive director of the W.R. Berkley Innovation Labs at New York University's Stern School of Business and a fellow at frog, one of the world's most influential innovation companies.

Williams is a sought-after commentator on disruptive innovation, entrepreneurship and cultural change. He is invited to speak worldwide, and his views are regularly featured in Bloomberg BusinessWeek, Fast Company, GQ, The Atlantic, The Wall Street Journal, NPR and MSNBC. He is the inventor of over fifty United States patents and the best-selling author of Disrupt: Think the Unthinkable to Spark Transformation in Your Business.