# Stephen Hetrick

> Stephen Hetrick is a fee-only financial advisor at Retirement Collaborative in Harrisburg, Pennsylvania. Retirement Collaborative reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-hetrick/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Retirement Collaborative
- **Based in:** Harrisburg, Pennsylvania
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $45.0M across 343 accounts
- **CRD:** 3057828 (https://adviserinfo.sec.gov/individual/summary/3057828)
- **SEC registration:** Investment adviser representative in PA
- **Exams passed:** Series 63 (1998), Series 65 (1999)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://www.retirementc.com

## Frequently asked questions

### Is Stephen Hetrick a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and Retirement Collaborative reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Stephen charge for financial advice?

Stephen's firm, Retirement Collaborative, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Stephen Hetrick based?

Stephen Hetrick is based in Harrisburg, Pennsylvania.

### Is Stephen Hetrick registered with the SEC?

Yes. Stephen Hetrick is registered as an investment adviser representative in PA (CRD 3057828), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Retirement Collaborative manage?

Retirement Collaborative reports $45.0M across 343 accounts in assets under management.

### How do I contact Stephen Hetrick?

Through Stephen's website, www.retirementc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/3057828): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://www.retirementc.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.