Rick Rodgers

About

Rick Rodgers, CFP® is an author, keynote speaker, wealth manager and President of Rodgers & Associates, “The Retirement Specialists”, in Lancaster, PA. Rick’s articles on retirement planning have appeared in Wealth Manager magazine, CPA Magazine and Physician’s Money Digest. He also writes a column for Lancaster CountyMagazine titled “It’s Your Money”. Rick has appeared numerous times on WGAL TV to discuss financial issues in the news. He was called upon by WITF radio for a special appearance on Smart Talk in October 2008 to discuss the financial crisis as it was unfolding. He has been quoted in the New York Times, Money Magazine, Investment News, Smart Money magazine, Central Pennsylvania Business Journal, HarrisburgPatriot News and Lancaster Newspapers.

Rick is a 25 year industry veteran, beginning his career with Shearson American Express in 1984. He founded Rodgers & Associates in 1996 to help families create and conserve their wealth in preparation for worry-free and dignified retirements. With the commitment to help his clients plan for the future while living in the present, Rick offers an individually focused approach to helping clients reach their retirement goals.

In July 2009 Wealth Manager Magazine named Rodgers & Associates as one of the country’s top wealth managers for the seventh year in a row. The annual ranking of Top Wealth Managers is based on the asset value of each participating wealth manager's average client relationship as of December 31, 2008 and is calculated by dividing the total client assets under management by the total number of client relationships.

Rick was a 1987 graduate of Leadership Lancaster and is a current member of the prestigious Financial Planning Association. Rodgers & Associates is a corporate member of NAPFA, The National Association of Personal Financial Advisers. A committed Christian, Rick served as a field representative for the North East to Larry Burkett’s organization Christian Financial Concepts from 1990 to 1995. Rick currently serves on the Board of Directors for LancasterHistory.org.

The Time That's Given

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Have you ever awoken from a vivid dream and wondered which side of waking was real?Burt Higgins' retirement is not going well. His children have grown, and his wife has gone off to earn a late-life degree, leaving him alone in his sprawling suburban home. With too much time on his hands, he broods on the state of the world, obsessively following the worst of cable news and the Internet. Increasingly angry at the state of affairs, he nurtures a fantasy that a dark lord from another realm has foisted these problems on humankind. If only he could transport to that world, he'd confront the demon and use the magic found there to defeat the beast and end despair forever.On a particularly bad news day, while housebound in the midst of a snowstorm, he retreats to his study to shut out the world and immerse himself in his books. When, on a whim, he lights a candle purchased in an obscure Prague curiosity shop, a magical guide appears and offers to take him on whatever quest he chooses. When he asks to become a hero in a fantasy realm, he discovers a more complex world than he expected, and battling evil with magic turns out to be far from his greatest challenge.EVOLVED PUBLISHING PRESENTS a specualtive fantasy adventure sure not just to entertain you, but to make you consider your life, your dreams, your goals. [DRM-Free]<h2>Books by David Litwack:</h2><ul><li>Along the Watchtower</li><li>The Daughter of the Sea and the Sky</li><li>The Time That's Given</li><li>The Children of Darkness (The Seekers - Book 1)</li><li>The Stuff of Stars (The Seekers - Book 2)</li><li>The Light of Reason (The Seekers - Book 3)</li></ul><h2>More Great Fantasy Fiction from Evolved Publishing:</h2><ul><li>The Awakening of David Rose (David Rose #1) by Daryl Rothman</li><li>Shadow Swarm by D. Robert Pease</li><li>Kingdom in Chains by J.W. Zulauf</li><li>The "Grims' Truth" Series by Isu Yin & Fae Yang</li></ul>

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July 18, 2009 <a></a><a>The New Three-Legged Stool:</a> A Tax Efficient Approach to Retirement Planning Rick Rodgers Marketplace Books (2009) ISBN: 9781592803637 ***** (5 stars) <a>New Book Teaches Wise Retirement Planning and How to Pay as Few Taxes As Possible</a> How should you invest your money? Should you contribute to your company’s 401k, put the money in a Roth IRA, or just buy mutual funds? Can you expect to receive any money from Social Security when you retire? How much of your retirement money will the IRS take in taxes? These are the important questions Rick Rodgers expertly answers in The New Three-Legged Stool with clear explanations, followed by practical, concise instructions to make the most with the money you have. This tax-efficient approach to retirement planning is one that readers will refer to again and again. The New Three-Legged Stool refers to the three types of investments you should have, and balance properly to support your retirement. These three investments are Tax-Deferred Savings, After-Tax Savings, and Tax-Free Savings. Rodgers takes the reader through an explanation of why each of these types of savings is important, how to invest in it, and how to withdraw the money to achieve the maximum benefit at the time of retirement. Tax-Deferred Savings include company 401(k) plans and IRAs (including SEP and SIMPLE plans). After-Tax Savings include mutual funds, bank and brokerage accounts, and investment real estate—anything that isn’t technically a retirement account. Tax-Free Savings are Roth IRA’s and Roth 401(k)s that have no immediate tax benefits. Rodgers devotes considerable time to explaining the benefits and disadvantages of these investments, and why a healthy balance must be achieved among all three. One of The New Three-Legged Stool’sgreatest strengths is the examples it offers in the form of various retirees’ stories. The book opens with “The Un-Funniest Story Ever Told” about a successful businessman with an estate worth over $4.4 million. Because the man never consulted a retirement planner or made an effort to do estate planning, when he passed away, his children ended up paying 85.8% of their father’s retirement account in taxes! Many more examples of retirees’ experiences are illustrated in the book, often comparing two people’s strategies to see which ends up being more beneficial. Besides telling readers how to manage their money according to the current IRS tax laws, Rodgers provides an explanation of how the IRS functions, why it tries to get as much money as possible, based on the U.S. Government’s failure to handle its money properly, and the origins of Social Security, as well as the approaching crisis that by 2017 more money will be withdrawn than is annually contributed to Social Security. Rodgers closes with advice on finding a good retirement advisor and how to do estate planning, including writing a will or setting up a trust to protect your hard-earned money so you will have enough for the remainder of your life and money left over for your heirs. Several useful charts accompany the discussions, illustrating how much money a person will need to live on, depending on current income, age of retirement, expected longevity, and when a person chooses or is required to draw income from various retirement accounts, including Social Security. Rick Rodgers has produced a much-needed, well-organized, friendly to read, and refreshingly short book (202 pages) that will give readers much to think about and plan for, and which they will return to time and time again. I hope Rodgers will update the book as time goes by so it is current and future readers can equally benefit from it as tax laws change. Rick Rodgers is well qualified to provide advice on tax-efficient retirement planning. He is an industry veteran of twenty-five years, has published numerous articles on investing in such publications as Wealth Manager, been a guest on TV and radio shows, and been quoted in Investment News and Smart Money magazine. In 1996, he founded Rodgers & Associates “to help families create and conserve their wealth in preparation for worry-free and dignified retirements.” For more information about Rick Rodgers and The New Three-Legged Stool, or to contact him for personal investment assistance, visit <a href="http://www.thenewthreeleggedstool.com/">www.TheNewThreeLeggedStool.com</a>. — Tyler R. Tichelaar, Ph.D., author of the award-winning Narrow Lives

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