Most no-load, no-commission mutual fund companies like T. Rowe Price and Vanguard don't have local offices. Fidelity is the exception. So you contact these companies through toll-free phone numbers. Vanguard is at 1-800-VANGUARD and T. Rowe Price is at 800-638-5660. Don't be afraid to do this. You'll be dealing with intelligent people who can help you make investments, allocate your assets, and plan for required withdrawals -- all at a very minimal cost.