Stephen Elliker
CFP®️, RICP®, MBA
Rodgers & Associates
Financial Advisor
Stephen Elliker
CFP®️, RICP®, MBA
Rodgers & Associates
Financial Advisor
Rodgers & Associates are true experts in retirement planning and it comes through in the advice that is provided to each client. - Stephen Elliker, CFP®️, RICP®, MBA
Fee-Only financial planner located in Lancaster, PA, serving clients locally and across the country
Stephen Elliker 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, Stephen Elliker is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Steve Elliker joined Rodgers & Associates after working eighteen years in the financial services field. He began as a research analyst and then moved into the role of a financial adviser, most recently with Vanguard. He finds working one-on-one with people to be very rewarding. The analytical part of financial planning allows him to use his diagnostic skill set. In contrast, his people skills are needed when it comes to helping clients envision their future retirement. He says it has been surprising to see how difficult it is for some people to transition from saving to spending in retirement. Having an experienced retirement planner affirm that it is OK to spend is often the assurance they need to enjoy the funds they have saved.
Rodgers & Associates are true experts in retirement planning, and he is thrilled to work for a firm that has such a strong background in the field. One of the most rewarding parts of being a financial adviser for Steve is helping a client reach their financial goals. Therefore, he takes the time to get to know each and every client; who they are, what is important to them, and how he can help them reach their financial aspirations. When Steve is not helping a client with their financial plan, you might find him tending to Elliker Cookie Company, a cookie business that he and his wife, Amy, operate together. They have four children and enjoy camping as a family. Steve also serves on the parish council and stewardship committee for his church, Sts. Constantine and Helen Greek Orthodox Church and is the Race Director for a non-profit called OneRunTogether, which helps cancer patients.
Stephen Elliker 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
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Stephen Elliker is a NAPFA-Registered Financial AdvisorThe 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.
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Stephen Elliker is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Stephen Elliker is a Retirement Income Certified Professional® (RICP®)A professional designation for experienced financial advisors and investment managers who have passed coursework to become experts in retirement income planning. A Retirement Income Certified Professional® helps retirees and near-retirees develop and implement a plan for managing the financial assets they have accumulated for retirement and a set realistic budget to help meet life goals.
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Stephen Elliker is a Member of The Financial Planning Association® (FPA®)FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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Stephen Elliker is the Race Director for OneRun, a Christian non-profit that provides local cancer patients with financial and spiritual support.
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Stephen Elliker is the Daylight Savings Dash Race Director for Hope Rescue Mission, a Christian non-profit homeless shelter for men in the city of Reading, PA.
Contact Stephen Elliker
Office Locations:
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2025 Lititz Pike
Lancaster, PA 17601
