Michael Helveston

CFP®, CRPC®

Rodgers & Associates

Financial Advisor

Michael Helveston

CFP®, CRPC®

Rodgers & Associates

Financial Advisor

The most fulfilling aspect of retirement planning is being able to create peace of mind for others. People are always going to worry about their finances to a certain degree, but I strive to give them confidence to make smart decisions that will improve their overall financial position. - Michael Helveston, CFP®, CRPC®

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

Michael Helveston 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, Michael Helveston is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Mike Helveston, CFP®, CRPC® is Director of Adviser Services for Rodgers & Associates. He manages the team of advisers and is responsible for maintaining the firm’s financial planning process.

At an early age, he was exposed to handling financial responsibilities for others by helping to count and record the offering at church. He also learned the importance of planning ahead and giving back by watching his parents manage their household finances. Mike wanted to become an adviser so he could help people make informed financial decisions and to make the most of what they have. 

Mike started his career with Vanguard and later joined Rodgers & Associates in 2007 because it gave him the ability to work face-to-face with clients and provide more comprehensive tax advice. He has noticed that many people are good savers, yet few understand how to spend their money in the most tax-efficient manner once they retire. Clients need an expert to guide them on how to best use the resources they have accumulated.

Mike believes the best financial planners are focused in just one area and develop an expertise in that subject matter. For Rodgers & Associates, that specialty is retirement, which allows him to help with many unique planning challenges, including when to draw Social Security, how to minimize income taxes, and how to leave a legacy.

Mike has contributed articles to Forbes, Kiplinger and the FiGuide Personal Finance Blog. He has also appeared on television and radio discussing various financial planning issues and has been quoted in the Wall Street Journal. He resides in Downingtown, PA with his wife and three children.  Mike has served his community as a volunteer mortgage counselor with Tabor and a classroom volunteer with Junior Achievement. When he is not helping clients make smart financial decisions, he enjoys running, playing sports and games with his family, working outside, and listening to music.

Michael Helveston 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 Michael Helveston

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Office Locations:

  • 2025 Lititz Pike
    Lancaster, PA 17601

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