Top Financial Advisors in Lancaster, PA

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RKL Private Wealth is a fee-only firm that works with various client types, including individuals (with and without a high net worth) and institutions. The firm doesn’t require a minimum investment to open an account. However, it imposes a minimum annual asset-based fee of $10,000.

Advisors at this firm hold a number of financial credentials. These include the Certified Financial Planner™ (CFP®) and certified public accountant (CPA) designations, among others. 

As a fee-only firm, RKL Private Wealth and its advisors do not earn third-party compensation for selling financial products and services to their clients.

The firm extends its services to individuals, businesses, trusts, estates, charities and corporate retirement plans. RKL provides families and individuals with various stand-alone financial planning services from investment planning to insurance review as well as trust and fiduciary services. 

RKL Private Wealth seeks to construct portfolios based on the client’s individual financial situation and objectives. The firm adheres to a core-satellite strategy, which calls for investing a core group of assets that provide stability while diversifying with actively-managed satellite assets. Specificially, the firm may invest your assets in the following securities if deemed appropriate: stocks, bonds, mutual funds and exchange-traded funds (ETFs). 

The firm may also utilize the services of separate account managers or sub-advisors to manage part or all of your portfolio. This may be the case if you have a particularly large asset base.

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Rodgers & Associates primarily works with individuals who are nearing retirement or already retired, and generally requires a $1 million minimum for investment management, though it may make exceptions at its discretion.

Rodgers describes itself as a fee-only firm, but is affiliated with companies that offer life insurance and annuities and may receive additional compensation through these affiliations. Clients are not required to use affiliated providers, but these relationships present potential conflicts of interest which are disclosed to clients.

Rodgers & Associates uses a disciplined, quantitative investment strategy to manage client portfolios. Its approach combines internal research and valuation analysis with a methodology that emphasizes asset allocation aligned with each client’s investment policy statement (IPS).

Rodgers typically works with higher-net-worth clients and may incorporate more customization. It also avoids using performance-based fees and does not aggregate most trades, due to client-specific tax and portfolio needs.The emphasis is on continuous portfolio management designed around the client's individual objectives, risk tolerance and time horizon.

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At fee-only Atwater Malick (AM), the team holds credentials including the Certified Financial Planner™ (CFP®) and chartered financial analyst (CFA) designations. To open an account with this firm, you’d generally need a minimum investment of $1 million. However, the firm may be willing to lower this requirement in certain situations.

According to the firm’s most recent SEC filings, AM serves slighly more high-net-worth individuals than it does those who don't have a high net worth. It also extends its services to businesses, retirement plans and charities.

AM provides investment management services as well as various financial planning offerings. You can approach the firm for guidance around life insurance, divorce, tax concerns, retirement planning and more. 

For investment advisory services, the firm charges a percentage of assets under management (AUM), as well as hourly fees for financial planning. However, there is a $5,000 minimum fee for financial planning services.

Atwater Malick primarily relies on its clients' investor profiles when building diversified portfolios and making investment decisions. It aims to design asset allocation models based on factors like the client’s long-term investment goals. AM notes that it “utilizes investment strategies that are designed to capture market rates of both return and risk.”

The firm also discourages frequent trading, which can affect investment performance through increased brokerage and other transactional costs, as well as taxes. Instead, AM trends toward using a buy-and-hold investment strategy.

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PSI Capital Management, formerly known as Planning Strategies, Inc., is a fee-only firm that offers a variety of services. 

Account minimums to receive investment management services at PSI vary based on the portfolio program you choose. But the minimum generally ranges from $100,000 to $200,000. The firm may waive its minimum requirements for certain clients. 

The team here hold designations such as chartered financial analyst (CFA), chartered financial consultant (ChFC), retirement income certified professional (RICP) and Certified Financial Planner™ (CFP®).

PSI Capital offers financial planning, consulting, pension consulting and investment management services. It currently works mostly with individuals and high-net-worth individuals. In addition, the team specializes in special needs planning for families with loved ones with a disability. It can also help clients manage foundations and other charitable entities.

As a fee-only practice, PSI Capital Management and its advisors do not receive third-party compensation for selling or recommending securities or insurance products. 

PSI Capital Management employs what it calls Paradigm Shift Investing. According to its website, “Paradigm Shift Investing is analyzing a client’s financial situation first, then using what is discovered to build an active, living, breathing financial plan that serves as a guide to drive all current and future financial and investment decisions.”

In meeting these goals and managing diversified portfolios, the firm may work with clients and other financial professionals. These can include accountants, attorneys, mortgage brokers and insurance agents. 

When it comes to picking investments for client portfolios, the firm typically relies on mutual funds and ETFs. The firm may also provide advice on investments that clients had in their portfolios when they began their relationship with PSI Capital. 

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Master’s Wealth Management Inc. is a fee-based registered investment advisor headquartered in Lancaster, Pennsylvania.

The firm primarily serves individuals and high-net-worth individuals, as well as families, trusts, estates, charitable organizations, businesses and retirement plans. 

There is no formal minimum investment requirement to establish a relationship with Master’s Wealth Management. However, clients with more than $1 million in assets under management receive financial planning services at no additional cost. Those with under $1 million can access standalone planning services, with fees typically capped at $3,000 annually.

Master’s employs a team of credentialed professionals, including those who hold Certified Financial Planner™ (CFP®), retirement income certified professional® (RICP®) and certified retirement counselor® (CRC®) designations. The firm does not receive commissions or compensation for the sale of securities or insurance products and acts as a fiduciary in all client relationships. As such, Master’s is legally obligated to put client interests first and mitigate any conflicts of interest.

Master’s Wealth Management tailors its services to each client’s financial goals, risk tolerance and time horizon. Portfolio construction relies on fundamental and technical analysis and typically includes mutual funds, exchange-traded funds (ETFs), individual stocks and bonds. The firm may also use independent investment managers when appropriate. Master’s combines strategic and tactical asset allocation techniques and regularly reviews client accounts to ensure portfolios remain aligned with stated objectives.

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Chestnut Street Investment Counsel is a fee-only firm that provides discretionary investment management and financial planning services.

The firm serves a diverse range of clients, including individuals, high-net-worth individuals, trusts, estates, retirement plans and businesses. Chestnut Street does not require a minimum investment, making its services accessible to clients across a variety of financial situations.

Chestnut Street charges a flat advisory fee of 0.80% annually for portfolio management, billed quarterly in arrears based on assets under management. Financial planning services are typically bundled within its broader wealth management engagements, but may also be offered separately on an hourly ($250–$350) or flat-fee ($500–$5,000) basis depending on the scope and complexity.

Chestnut Street develops personalized investment strategies tailored to each client's goals, time horizon, risk tolerance and financial circumstances. Portfolios are typically built using individual stocks and bonds, with mutual funds included as needed. The firm primarily relies on fundamental and technical analysis and adheres to a long-term investment philosophy. However, it may adjust positions in response to market conditions or client needs. Clients may request reasonable investment restrictions.

The firm may rebalance portfolios, harvest tax losses or adjust allocations to reflect shifting risk profiles. Chestnut Street's approach emphasizes strategic asset allocation, diversification and hands-on oversight by experienced advisors.

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Omicron Advisors is a fee-only firm that works with individuals, high-net-worth individuals and institutional clients, including pensions and profit-sharing plans, corporations and charities. The firm can also serve partnerships and trust accounts. 

Omicron’s small team of advisors include individuals who hold the Certified Financial Planner™ (CFP®) and certified public accountant/personal financial specialist (CPA/PFS) designations. Notably, Omicron does not impose a minimum account size. 

As a fee-only firm, Omicron Advisors earns compensation solely from the fees that its clients pay for financial advisor, not third-party commissions for selling financial products and services. 

Services offered by this firm encompass a wide range of financial needs, including investment planning, life insurance, addressing tax concerns, retirement planning, college planning and debt/credit planning.

Omicron Advisors employs a tiered fee structure for their investment supervisory services, starting at 1.5% for the first $100,000 of assets. The fee percentage decreases as asset levels increase. Alternatively, fixed fees are negotiable but will not exceed 2% of assets or $100,000 annually. Pension consulting fees are also negotiable, capped at 2% of assets. For financial planning, the firm charges fixed fees ranging from $2,500 to $10,000 annually, with a maximum of $30,000, and hourly fees up to $350.

Omicron Advisors emphasizes diversification and passive investment strategies. When crafting portfolios, the firm aims to create tailored investment solutions that align with each client's unique financial situation and long-term objectives. The firm typically invests in exchange-traded funds (ETFs) and mutual funds, while occasionally incorporating single security equities and fixed-income instruments into portfolios.