What Rodgers & Associates does

Rodgers & Associates is a fee-only Registered Investment Adviser founded in 1996 by Rick and Jessica Rodgers in Lancaster, Pennsylvania, specializing in retirement planning for high-net-worth individuals who are retired or within ten years of retirement. The firm serves clients in Central Pennsylvania and across the United States through a coordinated suite of services including investment management, financial planning and monitoring, Social Security guidance, healthcare advice, tax minimization, estate planning coordination, charitable planning, and lifestyle planning. Co-founder Jessica Rodgers retired on December 31, 2025, leaving Rick Rodgers as the remaining founding principal.

The firm's intellectual property centers on two proprietary methodologies: the AGILE Retirement Framework, a five-phase approach (Assess, Get Ready, Implement, Live, Embrace) spanning ten years before retirement through legacy planning; and the New Three-Legged Stool Strategy, a tax-efficient approach to diversifying across taxable, tax-deferred, and tax-free accounts, documented in Rick Rodgers' book "Don't Retire Broke" (Career Press, 2017). The firm does not develop proprietary technology; it relies on third-party custodian platforms (Charles Schwab, Fidelity Institutional Wealth Services) for securities custody and trade execution, and on AssetMark/Assetbook for client document exchange. Headquarters is the historical Manor property at 2025 Lititz Pike, Lancaster, a 60-seat seminar venue acquired in December 2011.

Revenue is generated primarily through AUM-based advisory fees deducted quarterly in advance from client portfolios, supplemented by hourly consulting fees for limited engagements; the fee schedule is disclosed in Form ADV 2A. The go-to-market is sales-led, anchored by personalized adviser consultations, complimentary educational seminars delivered in-person at The Manor and via Zoom, and a content marketing program that includes a 270+ article blog, the monthly "AGILE Journey" newsletter, and the "Project Wealth" video series on LinkedIn, Facebook, and YouTube. The firm operates without external private equity or venture capital backing, is not publicly traded, and has no disclosed revenue or AUM metrics.

Name

Rodgers & Associates

Legal name

Rodgers & Associates

Website

https://rodgers-associates.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Fee-only Registered Investment Adviser in Lancaster, PA, providing retirement planning services to high-net-worth individuals in or approaching retirement through the proprietary AGILE framework and New Three-Legged Stool tax strategy.

Ownership category

akta.pro rank

Product category

Retirement Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

akta.pro secondary industries

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Retirement planning services
• Wealth management advisory
• Investment management services
• Tax-efficient retirement strategy
• Financial planning advisory

Headquarters

HQ city

Lancaster

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Assets Under Management (AUM) Fees: Fees are calculated as a percentage of total assets managed for clients, deducted quarterly in advance from client investment portfolios. This is the primary revenue stream for ongoing advisory and financial planning services.
2. Hourly Consulting Fees: Hourly rate charged for consulting services on specific situations over a limited engagement. This applies when clients choose consulting services rather than ongoing investment management.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels9 records

Core offering

Rodgers & Associates is a fee-only Registered Investment Adviser that provides comprehensive financial planning and investment management services focused exclusively on retirement planning for high-net-worth individuals. The firm delivers coordinated advisory services including investment management, Social Security optimization, healthcare advice, tax minimization using the proprietary New Three-Legged Stool strategy, estate planning coordination, and charitable giving guidance. Service delivery is structured around the proprietary AGILE five-phase retirement framework and includes ongoing quarterly reviews with each client assigned a primary and backup adviser.

Product overview

Rodgers & Associates is a fee-only financial advisory firm offering retirement planning services through a coordinated suite of offerings. The core service is comprehensive financial planning for high-net-worth individuals, delivered through ongoing advisory relationships. The firm's proprietary AGILE Retirement Framework guides clients through five distinct phases of retirement, while the New Three-Legged Stool Strategy provides a tax-efficient approach to account diversification. Supporting the core advisory services are educational offerings including free retirement guides, the Project Wealth video series, monthly AGILE Journey newsletter, and complimentary educational seminars (offered in-person and via Zoom). Client-facing tools include a Document Portal for secure document exchange. All services are coordinated to work together as an integrated retirement planning approach, with ongoing quarterly reviews and all-inclusive fees for advisory clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Planning & Monitoring
• Investment Management
• Social Security Guidance
• Healthcare Advice
• Tax Minimization
• Estate Planning
• Charitable Planning & Giving
• Lifestyle Planning
• AGILE Retirement Framework
• New Three-Legged Stool Strategy
• Educational Seminars
• The AGILE Journey Newsletter
• Project Wealth Video Series

Quantifiable outcome

• Tax-efficient withdrawal sequence can extend retirement portfolio by 7.5 years longer than least tax-efficient sequence (cited study)
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and supporting.

• Charles Schwab & Co., Inc.coreOthersSelected as primary custodian for client accounts. Provides custody of securities, trade execution, clearance, and settlement of transactions. Clients access accounts through Schwab's online platform at client.schwab.com.
• Fidelity Institutional Wealth ServicescoreOthersSelected as alternative custodian for client accounts. Provides custody of securities, trade execution, clearance, and settlement of transactions. Clients access accounts through Fidelity's online platform.
• AssetMarksupportingTechnology or IntegrationProvides the Rodgers & Associates Document Portal for secure document exchange between advisers and clients. Hosted at investorview.assetbook.com.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Carson Wealth: Carson Wealth is a fee-only RIA with a strong retirement-planning focus serving HNW clients across the U.S. Like Rodgers & Associates, it emphasizes fiduciary, fee-only advice, proprietary planning frameworks, and recurring AUM-based revenue. Comparable scale and segment focus make it a direct competitive analog.
• Buckingham Strategic Wealth: Buckingham Strategic Wealth is a fee-only RIA providing comprehensive financial planning and investment management to HNW individuals, with strong retirement-income specialization. Its fee-only fiduciary model and HNW retirement focus make it a close direct peer.
• Ronald Blue Trust: Ronald Blue Trust is a fee-only Christian-affiliated RIA offering financial planning, investment management, and estate/charitable planning to HNW clients. Rodgers & Associates' Generosity Catalyst Award, community/faith-aligned philanthropy, and similar values-based positioning make it a closely comparable peer.

Broad incumbents

• Creative Planning: Creative Planning is one of the largest independent fee-only RIAs in the U.S., offering comprehensive financial planning, investment management, and retirement income strategies to HNW clients. It competes in the same fee-only retirement-planning category but operates at significantly greater scale.
• Mariner Wealth Advisors: Mariner Wealth Advisors is a national RIA providing wealth advisory, retirement planning, and tax/estate services to HNW individuals and families. It is significantly larger than Rodgers & Associates but operates in the same fee-based advisory category with similar HNW retirement-planning offerings.
• Edelman Financial Engines: Edelman Financial Engines is a large national RIA combining financial planning with retirement-plan participant advice and HNW advisory services. Its HNW retirement-planning business directly overlaps Rodgers & Associates' core offering, though at much greater scale.
• Fisher Investments: Fisher Investments is a large independent investment management firm serving HNW and institutional clients with portfolio management services. While broader and more institutional, it competes for the same HNW investable assets that Rodgers & Associates targets.
• Commonwealth Financial Network: Commonwealth is a large independent RIA/Broker-Dealer hybrid supporting independent financial advisers with practice management, technology, and compliance services. It competes indirectly for the same adviser talent and HNW client relationships that Rodgers & Associates serves.
• Cetera Financial Group: Cetera is a large independent advisory network supporting thousands of advisers with wealth management and retirement planning services. It operates in the same HNW retirement-advisory space but through an OSJ/independently-contracted adviser model rather than a single-fee-only RIA.

Emerging players

• Alpha Architect: Alpha Architect is a fee-only RIA specializing in evidence-based, factor-based portfolio management for HNW clients. While its investment philosophy differs from Rodgers & Associates' broader retirement-planning focus, it competes for the same HNW fee-only client segment with a tech-forward approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCJswAhsVt6syFjFbkNudVPw
• Facebookfacebook.com/RodgersAndAssociates
• LinkedInlinkedin.com/company/325970

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rodgers & Associates