Philip D. Rogero FSCP®, CRPS®
Financial Planner
Combining legacy, strategy, and education to help clients build, protect, and transition wealth with confidence.
About
Philip D. Rogero, FSCP, CRPS
Founder & CEO, Rogero Wealth Planning
Philip D. Rogero is a third-generation financial advisor and the Founder and CEO of Rogero Wealth Planning. With nearly a century of collective experience from his grandfather, Stephen Rogero Sr., and his father, Michael Rogero Sr., Philip brings an unparalleled legacy of expertise and trust to clients across Florida and beyond.
Based in St. Augustine, Florida, Philip specializes in both personalized financial planning and business planning services. By combining these disciplines, he helps clients—from individuals to business owners—navigate their most critical financial decisions and build a solid foundation for long-term success.
For individuals, Philip’s focus is on optimizing savings strategies, growing and protecting wealth, and ensuring clients’ financial goals are met with precision and foresight. He crafts customized wealth accumulation, retirement readiness, and wealth transfer strategies to ensure lasting financial security. For business clients, Philip takes a comprehensive approach to business planning, helping companies identify key areas that drive value and position them for a successful transition or exit strategy. Whether through buy/sell agreements, key person planning, or executive benefits, Philip works to safeguard critical elements of the business, ensuring continuity and long-term viability.
Philip is passionate about educating his clients, ensuring they are informed and empowered to make decisions that align with their personal and business goals. By leveraging a combination of advanced financial tools and a deep understanding of complex financial dynamics, Philip enables clients to optimize their financial strategies at every stage of life.
Throughout his career, Philip has earned a reputation as a perennial top producer, consistently receiving industry recognition for his commitment to excellence. His client base spans 15 states, reflecting his ability to meet the diverse needs of individuals and businesses nationwide.
In addition to his extensive hands-on experience, Philip holds two prestigious professional designations:
- Financial Services Certified Professional (FSCP), awarded by The American College of Financial Services. This designation emphasizes advanced financial planning strategies and focuses on building trust-based relationships with clients.
- Chartered Retirement Plan Specialist (CRPS), granted by The College for Financial Planning. This designation highlights his expertise in retirement plan design, management, and optimization for both individuals and business owners, particularly in the context of creating sustainable retirement income solutions.
A St. Augustine native, Philip has a deep appreciation for the values of small communities. He is dedicated to helping clients and their businesses not only succeed but thrive, ensuring their financial goals are met and exceeded. Philip and his wife, Lea, live in St. Augustine with their four children.
Securities and investment advisory services offered through qualified registered representatives of MML Investors Services, LLC. Member SIPC. www.SIPC.org. OSJ: 1000 Corporate Drive, Suite 700, Fort Lauderdale, FL 33334 (954) 938-8800.
CRN202802-8135480
Career Snapshot
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My Approach
Knowledge is the key to a successful financial future. My background, experience, and commitment to providing you with the resources you need to make financial decisions can help make your financial future as successful as you need it to be. I pride myself in getting to know each client so that I can understand their individual needs and what matters most to them.
This helps me recommend products and strategies designed to meet your current needs, and more importantly, your future needs.
My goal is to provide holistic, comprehensive financial services to individuals and businesses. I can help you make good financial decisions seeking to help avoid potential issues by providing you with superior client service focused on tailored, objective financial strategies, to help you reach your goals.
Our Six
Step Process
Six clear steps. One powerful strategy for your financial future.
Identify
your unique situation
and goal.
Gather Information
to prepare your strategy.
Managed
Analyze
your current portfolio to identify any gaps that may exist.
Present Strategy
review your goals and discuss recommended strateties
Review
strategies in place so you can make informed decisions & meet goals
Impliment
strategies to help you achieve financial freedom.
Solutions That Have Impact
Achieving your financial goals takes patience to create the kind of possibilities that money can buy. Whether you’re saving for a home, a college education, a dream project, or preparing for retirement, having a trusted financial professional can support and guide you to make solid decisions that can turn life goals into reality.
Personal Solution
Protection
- Life Insurance
- Disability
- Income Insurance
- Long Term Care
- Medical | Health | Dental
Retirement
Services
- 401(k)
- 403(b)
- 457(b)
- IRAs
- Roth IRA
- Defined Benefit Plans
Investment Products Services
- Annuities (Fixed & Variable)
- Brokerage
Investments
Estate Planning
- Tax Efficiency Strategies
- Charitable Giving
Business Solutions
Smart solutions for succession, compensation, and employee benefits. Helping businesses protect what they’ve built and plan what’s next.
Succession
- Buy-sell protection
- Key person coverage
- Buy-out funding
Qualified Plans
- 401(k)
- Simple/SEP IRAs
- Defined Benefit Plans
Non-Qualified
Plans
- Executive Bonus
- Deferred Compensation
- Split Dollar
Group Benefits
- Health Savings Account
- Dental Insurance
- Vision Insurance
- Life Insurance
- Long Term Care
- Disability Insurance
Disclosure:
CA Insurance License # 0I47636 | State of Domicile: FL
AZ Insurance License # 57336 | State of Domicile: FL
I am licensed to sell insurance in: AL, AZ, CA, FL, GA, ID, IL, IN, KY, ME, MD, MA, MI, NY, NC, OH, PA, SC, TN, TX, VA, WV, and WI.
*Not all representatives can offer all services listed. Please consult our office for full details. Health & dental insurance offered by unaffiliated insurers. Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, and are not subsidiaries of MassMutual or its affiliated companies.crn202408-949479
PLANNING SOLUTIONS GROUP
Anh Nguyen, CFA®, CFP®, MBA
Investment Director | Financial Planning | Investment Advisor Representative
A Complete Wealth Strategy, Built Layer by Layer
Your financial life is interconnected. Our approach stacks six essential planning areas, from day-to-day cash flow to long-term legacy, into one integrated strategy.
Your Financial Foundation
Understand where you are today so you can build with clarity tomorrow.
Budgeting & Cash Flow
- Cash flow review and budgeting strategies
- Emergency reserve planning vs. deductible needs
- Optimized savings vehicle selection
Debt & Credit Strategy
- Debt management recommendations
- Exploration of personal or business lines of credit
Net Worth & Asset Positioning
- Balance sheet and net worth analysis
- Real estate or business sale strategy and calculations
Life Events & Legacy Planning
- Life event financial planning (marriage, children, divorce, relocation)
- Inheritance scenario planning
Protecting What Matters
Build a smart, personalized protection strategy for your family, business, and lifestyle.
Personal & Property Protection
- Home, auto, and business insurance review
- Umbrella liability policy guidance
- Business liability insurance planning
Life & Income Protection
- Life insurance needs analysis and product education
- Tax-efficient permanent life strategies (IRS Code 7702)
- Income protection and disability coverage
Long-Term & Specialized Planning
- Long-term care solutions
- Planning for dependents with special needs
Building and Growing Wealth
Align your investment strategy with your goals, values, and risk preferences.
Strategy & Goal Alignment
- Financial goal-setting and timeline planning
- Risk tolerance review and portfolio recommendations
- Market behavior coaching and timing discipline
Portfolio Design & Optimization
- Portfolio design and asset allocation
- Cost basis and fee drag analysis
- Investment diversification across classes, types, and geographies
- Guaranteed, growth, speculative, and hybrid investment guidance
Specialized & Tax-Advantaged Planning
- Education savings strategies
- Employer-sponsored plan optimization
- Investment planning for business owners
Strategic Tax Planning
Proactively manage tax exposure now and in the future.Services:
- Capital gains and tax-loss harvesting strategy
- Tax diversification planning: taxable, tax-deferred, tax-advantaged
- Business owner tax strategies and qualified plan selection
- Deduction maximization
- Tax minimization strategies
- Future tax projection and withdrawal planning
- Advanced ownership and structuring techniques
Retirement Income & Longevity Planning
Retirement Readiness
- Target retirement date and income needs planning
- Safe withdrawal rate and longevity risk review
- Required minimum distribution (RMD) education
Tax-Efficient Income Strategy
- Optimal account drawdown sequences
- Roth conversion and backdoor Roth strategies
Government & Pension Benefits
- Social Security benefit timing
- Pension maximization analysis
Health &
Legacy
- Guaranteed income products and annuity strategies
- Long-term care planning in retirement
- Business exit or succession planning
Legacy & Estate Planning
Transfer wealth on your terms, with structure, clarity, and care.
Structuring
the Estate
- Estate balancing and asset titling strategy
- Trust education and coordination (revocable, irrevocable, living)
- Power of attorney, healthcare directive, and essential document review
Planning
the Transfer
- Multi-generational wealth transfer strategy
- Beneficiary designation audit
- Estate tax funding solutions
Giving
with Purpose
- Charitable giving and tax-efficient gifting
Explore Sample Strategies & Insights
Review the sample PDFs below to see the types of strategies, insights, and solutions we deliver to our clients. These examples highlight our approach to planning, protection, and long-term wealth management.
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