Todd F. Hearp

About Todd F. Hearp

For 29 years, I have helped clients organize their finances and complete a financial plan. Utilizing eMoney, a wealth management system, allows you to develop a plan and the key to anything in life is to have a plan and be able to manage your plan.As a financial professional I am a problem-solver helping clients turn their financial goals into a realistic plan. I have expertise in risk management, helping my clients navigate traditional risk-based planning including insurance, wealth preservation, estate planning strategies, and investment management. I enjoy educating customers about life insurance that you don’t have to die to use. Life insurance with Living Benefits is offered by very few insurance companies but it is the untold story that people need to hear to protect their loved ones. A big part of creating a financial strategy is helping clients move smoothly through life stages. I can help take the mystery out of preparing for today and tomorrow. Whether your goal is saving for retirement, college savings, or estate strategy, my personalized service focuses on your needs, wants, financial goals and objectives. I am able to help create custom-designed innovated financial strategies through a comprehensive process, I help clients uncover, address and prioritize their concerns and goals to ultimately lead them to the desired destination. I understand that individuals face unique challenges as they prepare for retirement. People aren\'t just concerned about managing a long retirement; they want their retirement benefits to stretch to their loved ones. Business owners often worry about a smooth business transition or providing benefits to their employees. Helping clients with a strategy to address those concerns is both my job and my passion.

Experience

1. President

   Cornerstone Advisor Group

   Jun 2024 — Present · Roanoke, VA, US

   Cornerstone Advisor Group LLC, or CAG, offers a complete suite of financial and wealth management services for individuals, families, businesses, and non-profit organizations. We customize holistic strategies that align your financial priorities with your life or business goals. Our ultimate goal is to empower you to dream bigger and enjoy financial stability. That is why we deliver excellence in life planning.Our ValuesWe are a family founded, veteran run business that believes in upholding our Christian values in everything we do. “Treating your neighbor as yourself” is our guiding principle for helping our clients align their time, talents, and treasure with their priorities.Our WhyA strong planning process paired with a strong financial team is the best way to create and maintain a solid financial foundation for yourself, your business or the generations to come. When this is done right, we help our clients and partners plan better so they can dream bigger and achieve more!

Education

• Virginia Tech - Pamplin College of Business

  Bachelor of Science - BS, Finance, Business Law and Insurance

  1985 — 1989

• American College

  CLU

Skills

• Business Needs Analysis
• Personal Life Insurance
• Employee Benefits
• Key-Person Insurance
• Mutual Funds
• Risk Management
• Iras
• Capital Accumulation
• Personal Needs Analysis
• Life Insurance
• Retirement Strategies
• 401k
• Insurance Strategies
• Pension Plans
• Financial Strategies
• Group Benefits
• Securities
• Disability Income Insurance
• Equities
• Variable Annuities
• Estate Planning Strategies
• Investments
• Health Insurance
• Long-Term Care Insurance
• Executive Benefits
• Retirement Planning
• Disability Insurance
• Fixed Annuities
• Charitable Giving Strategies