Michael Helveston| CFP®, CRPC®
Rodgers & Associates
- Fee-Only Financial Services
- Comprehensive Financial Planning
- Free Initial Consultation
- Investment Management
- Retirement Planning
- Elder Care Issues
- Estate Planning
- Charitable Giving and Trusts
- Planning for Business Owners
- High Net-Worth Clients
- Tax Planning
- Roth IRA Conversion Analysis
Lancaster, PA 17601
Fee-Only & Fiduciary
The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.
Mike Helveston, CFP®, CRPC® is Director of Adviser Services at Rodgers & Associates. He manages the team of advisers and is responsible for maintaining the firm’s financial planning process. In addition, he provides comprehensive tax, estate and investment planning advice to guide our high-net-worth clients toward their financial goals. Mike joined Rodgers & Associates in 2007 after starting in the profession over 15 years ago with Vanguard.
Mike is a contributor to Forbes, has been quoted in the Wall Street Journal and he has appeared on television and radio discussing various financial planning issues.
Mike has served the community as a volunteer mortgage counselor with Tabor Community Services, a student financial literacy volunteer for Junior Achievement and as a mentor through Bridge of Hope. His hobbies include running, golfing with friends, listening to music and watching professional sports. He resides in Downingtown, PA with his wife and three children.
Your retirement is more than just life after your career. It’s your time to lead the lifestyle you want – for the rest of your life.
Retirement means becoming – and remaining – financially independent.
At Rodgers & Associates, we focus specifically on the needs and concerns of high-net-worth investors who are retired or expect to retire within five years.
We assist our clients in all aspects of investment, tax, risk management, retirement, and estate planning.
What You Can Expect From Us
You expect a retirement built just for you and your unique circumstances . . . and that’s what we deliver. Coordinating your investments, taxes, and estate plans is what makes us unique from sales reps and brokers. This added value, coupled with our ongoing monitoring of your financial life, we believe makes the difference between having peace of mind and succumbing to the financial stress that unpleasant surprises can bring.
That’s why before we develop your wealth strategy, our financial planners dedicate a great deal of time doing something we believe so many sales reps and brokers stopped doing a long time ago:
Listening to your goals . . . your dreams and your financial situation. And as we listen, we begin to understand what your vision is for your retirement. This understanding enables your Rodgers & Associates financial planner to build solutions that bring your vision to life. With a written plan in hand – and attention paid to any course corrections along the way – we implement and execute a strategy to move you toward your long-term financial goals.
How We Work
Ongoing Financial Advice
We provide our clients with ongoing advice and analysis. We establish a review schedule, usually once a quarter, and contact our clients to schedule their review for them. We consistently monitor the investments in our clients’ portfolios to make sure they continue to perform to our standards.
We believe that a well-defined process will provide improved investment performance for our clients. We evaluate an investment’s performance against its peer group on a regular basis. If appropriate, after considering taxes and other possible expenses, we change from under-performing investments to similar ones that meet our performance criteria.
Comprehensive Financial Planning
Having a relationship with a Rodgers & Associates financial planner means you won’t need to worry that your investment decisions may surprise you at tax time. In addition to investment advice and asset management, you can count on us to provide objective tax planning and review, and estate planning advice. We’ll also work with you to answer your questions regarding your insurance programs, debt management and refinancing options, charitable giving, planning for a child’s or grandchild’s education, or even whether to buy or lease your next vehicle.
At Rodgers & Associates, all client assets are held by an independent custodian to ensure your safety. We never take possession of your money and currently use TD Ameritrade and Fidelity (both members of FINRA and SIPC) as our primary custodians.
Financial Risk Management
Our recommendations are based on clients’ goals, and we build portfolios to meet those goals, minimizing risk where possible. Because we don’t accept commissions, we don’t have any incentive to offer higher-risk products. We use bonds and CDs to seek to reduce volatility for our clients.