T. Rowe Price is distributing a new free publication, “Smart Financial Living: A Guide to Getting Started,” which offers advice for new investors on how to obtain financial goals.

The 24-page book has advice about investing. Included in it are charts and worksheets to assess priorities and financial situations, and to determine how money is needed to meet individual goals.

“Making good decisions early on about saving and investing could significantly increase the chances that investors can reach their goals,” said Stuart Ritter, a certified financial planner at T. Rowe. “The sooner they define their financial priorities and develop an investing plan, the more confident they’ll be about their future,” he said.

The guidebook stresses that the best thing new and less experienced investors can do is start saving early and create an investment plan based on time horizons of their goals. Baltimore-based T. Rowe also has educational resources on its website available for investors.

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