Lita 'Lee' Pelko

CFP®, CRPC®

Rodgers & Associates

Financial Advisor

Lita 'Lee' Pelko

CFP®, CRPC®

Rodgers & Associates

Financial Advisor

I enjoy the variety of challenges each client brings to the retirement planning process. Each client circumstance is unique, which allows me to use my problem-solving skills and give tailored advice that helps clients fully embrace retirement. - Lita 'Lee' Pelko, CFP®, CRPC®

Fee-Only financial planner located in Lancaster, PA, serving clients locally and across the country

Lita 'Lee' Pelko is a Lancaster, PA fee-only financial planner. Rodgers & Associates provides retirement planning through comprehensive financial planning, investment management, and tax planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Lita 'Lee' Pelko is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Lee Pelko, CFP®, CRPC® has been a Rodgers & Associates’ financial adviser since 2004. Before her tenure at the firm, she was employed at Miller & Miller CPAs and began her finance career in 1992 as a tax adviser for H&R Block. She became an adviser because it presented the opportunity to interact with people and use analytical math skills. Working at Rodgers & Associates gives her the ability to implement changes to improve efficiency and outcomes more quickly than she would be able to with a larger firm.

Lee believes that a big challenge facing retirees is understanding the best way to draw income during retirement. Many people are comfortable spending their Social Security or Pension. The hard part is spending an appropriate portion of their investment portfolio and coordinating minimum withdraw rules. The SECURE Act added to the complexity by changing the rules for withdrawals and beneficiary planning. Lee says there is nothing more satisfying than helping her clients navigate the complexity of retirement in order to reach their financial goals.

In 2015, Lee assumed the responsibility of Lead Financial Adviser at the firm based on her depth of knowledge and experience with complex retirement issues. She generously shares her time and talent with the community and currently serves on the Investment Committee of the United Disabilities Foundation. She previously served the community as a Board member of the United Disabilities Foundation, a member of the Lancaster Hospice and Community Care Planned Giving Council and as a student mentor through the Lilly Endowment Theological School Initiative to address Economic Challenges Facing Future Ministers (ECFFM) at the Lancaster Theological Seminary. Lee is a classically trained pianist and resides with her husband in Lancaster County. When she is not using her problem-solving skills for her clients, you might find her studying the Civil War and visiting historic sites related to the conflict.

Lita 'Lee' Pelko is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

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
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.

Investment Performance
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.

Asset Protection
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.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Lita 'Lee' Pelko

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Office Locations:

  • 2025 Lititz Pike
    Lancaster, PA 17601

Lee Pelko, CFP®, CRPC®

Published on Feb 13, 2017

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