Cedar Spring Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$168,966,269
Clients
284
Advisors
4
across 2 offices
About
Cedar Spring Advisors serves individual and high‑net‑worth clients as well as charitable organizations, offering discretionary and non‑discretionary portfolio management alongside financial planning and consulting services. As disclosed in the brochure, the firm reported about $169 million in assets under management across roughly 284 client relationships as of December 31, 2025.
The firm tailors investment programs to client goals and risk tolerance using fundamental analysis and a mix of long‑term, short‑term and options strategies, with periodic reviews that include rebalancing and tax‑loss harvesting opportunities. Cedar Spring also implements third‑party managed solutions — including SEI’s managed account and mutual fund model programs and an American Funds platform — and may appoint sub‑advisors or model managers to execute agreed strategies.
Distinctive operational features include a firm policy requiring custody with Charles Schwab, SEI or American Funds rather than permitting directed brokerage, and a small advisory team that operates from three offices. The firm’s principals also engage in insurance sales and tax‑preparation activities (disclosed as potential conflicts of interest and addressed by firm procedures), and the firm does not vote client proxies, directing clients to vote their own proxies.
Client services
Expertise
Fee options
Flat fee between $1,000 and $5,000 for financial planning
$0 - $100,000: 1.50% annually $100,001 - $500,000: 1.25% annually $500,001 - $1,000,000: 1.00% annually $1,000,001+: 0.75% annually
$175 per hour for financial planning
Fee-only: Hourly fee of $175 per hour; Fixed fee between $1,000 and $5,000 for financial planning
Main office
See officeLancaster PA
Advisors at this office
3
Most active in
Florida · Kentucky · Maryland · Michigan · New Hampshire · New Jersey · Pennsylvania · Texas · Virginia
Also doing business as
Cedar Spring Advisors, LLC · Cedar Springs Advisors, LLC · Fletch Financial · Halcyon Financial · Mcmaster Financial · Rago Financial
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Robert R
ChFC®
Lancaster, PA
Cedar Spring Advisors, LLC
Robert Rago is a ChFC® credentialed financial advisor with three years of industry experience, currently practicing at Cedar Spring Advisors, LLC. Prior to his advisory career, he worked in various roles including at Ferrera Candy Company and Kellogg Company. He also owns and operates Rago Financial, a business focused on insurance and consulting services. Cedar Spring Advisors serves individual and high-net-worth clients as well as charitable organizations, providing discretionary and non-discretionary portfolio management alongside financial planning and consulting. The firm employs a tailored investment approach that incorporates fundamental analysis, various strategies including options, and third-party managed solutions, overseeing approximately $169 million in assets across nearly 284 client relationships.
Michelle F
CFP®, Series 63, Series 65
Lancaster, PA
Cedar Spring Advisors, LLC
Michelle Fletcher is a CFP®-certified financial advisor with 33 years of industry experience. She has worked at Cedar Spring Advisors, LLC since 2017 and has been involved with Fletch Financial since 2011. Prior to that, she spent a decade at INVEST Financial Corporation. Cedar Spring Advisors serves individual and high-net-worth clients as well as charitable organizations, providing portfolio management and financial planning services tailored to client goals and risk tolerance through a variety of investment strategies and third-party managed solutions.
Justin M
CFP®, ChFC®, Series 66
Lancaster, PA
Cedar Spring Advisors, LLC
Justin McMaster is a financial advisor at Cedar Spring Advisors, LLC with 14 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Cedar Spring Advisors since 2017. He is also the owner of McMaster Financial Services, LLC, which provides financial investment services, small business consulting, tax preparation, and insurance. Cedar Spring Advisors serves individual and high-net-worth clients as well as charitable organizations, offering discretionary and non-discretionary portfolio management alongside financial planning and consulting. The firm customizes investment programs based on client goals and risk tolerance, employing a range of strategies and utilizing third-party managed solutions.
Brendon W
CFP®, Series 65
Ellicott City, MD
Cedar Spring Advisors, LLC
Brendon Worst is a CFP® with four years of industry experience, currently serving at Cedar Spring Advisors, LLC. He has previously worked at Northrop Grumman and Freshly, Inc., and holds a Series 65 license. He is also involved with Halcyon Financial as an insurance agent. Cedar Spring Advisors serves individual and high-net-worth clients as well as charitable organizations, providing discretionary and non-discretionary portfolio management alongside financial planning and consulting. The firm manages approximately $169 million in assets and employs a range of investment strategies tailored to client goals and risk tolerance.
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