Rodgers & Associates

Rodgers & Associates

Rodgers & Associates was established in 1996 by co-founders Rick and Jessica Rodgers in Lancaster, Pennsylvania. The firm operates as a fee-only Registered Investment Adviser, functioning as a fiduciary for high-net-worth individuals who are retired or within ten years of retirement. The practice originated with a focus on helping families achieve financial independence and has since expanded to serve clients throughout Central Pennsylvania and across the United States. Its core identity remains fixed on the decumulation phase of wealth, an often underserved segment that demands precise tax and healthcare planning. The firm's investment approach is anchored in its branded 'New Three-Legged Stool' tax-diversification strategy. Rather than concentrating solely on asset allocation, the firm structures client portfolios across taxable, tax-deferred, and tax-free accounts, guiding Roth conversions and sequencing withdrawals to minimize long-term tax drag. Fixed-income allocations are generally housed in tax-deferred accounts, while equities are positioned in taxable accounts to capture preferential capital gains rates. Asset classes under advisement span individual equities, mutual funds, exchange-traded funds, government and corporate bonds, certificates of deposit, and real estate investment trusts. The strategy is implemented within the firm's proprietary AGILE retirement framework, which maps client decisions across five phases from pre-retirement accumulation through late-life legacy planning. Services extend to estate planning, Social Security optimization, and Medicare premium management. Geographic coverage concentrates on Central Pennsylvania, with clients also located nationally. The firm operates from The Manor, a historic Lancaster farmhouse, reflecting its local grounding. Team composition is not publicly disclosed by headcount, though recent hires include an Associate Adviser and administrative staff. In May 2026, the firm announced the retirement of a ten-year team member and the addition of an Administrative Assistant, indicating steady operational continuity. No adjacent investment vehicles, institutional capital, or external funds are evident; the firm's structure is purely advisory, compensated directly by client fees with no broker-dealer affiliation or product commissions. Rodgers & Associates' structural differentiator is its single-minded focus on the retirement liability-driven cohort within the high-net-worth space. While many wealth managers serve broad client lifecycles, this firm concentrates its entire intellectual property — the 'New Three-Legged Stool' and AGILE frameworks — exclusively on tax-efficient withdrawal sequencing and longevity risk. The practice operates as a multi-family office in function without the branding, maintaining a fiduciary posture that prohibits commission-based revenue, a stance that removes a common industry conflict for clients in the distribution phase.