Services

Insurance Services

Life, disability and long term care insurance are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. By asking questions and listening to you, I help provide the solutions to your needs. Whether for personal or business situations, I will help you to determine the appropriate type and amount of insurance.

Trust Services

I represent several quality Trust companies, such as U.S. Trust. Trusts can be used to avoid probate or to minimize estate and income taxes. They can also serve to transfer assets for the protection of your children to avoid taxation of life insurance in your estate, or to keep your assets intact while paying income to someone you designate.

Retirement Plan Services

I provide access to full services for qualified retirement plans. If your business sponsors a qualified plan, I can help deliver plan design, administration and investment management services. For retirees or those about to retire, I can help you determine how to best receive your retirement benefits. I will also advise you on a number of appropriate investments for those assets to help protect your financial well-being.

Investment Services

I recognize the commitment and responsibility I undertake when providing investment advice. By listening closely to your needs, I will deliver high quality investment services that correspond to your objective. A wide range of investment objectives can be pursued through use of aggressive growth funds, growth and income funds, international or fixed income funds.

**Todd F. Hearp is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Securities and investment advisory services are offered solely through registered representatives and investment adviser representatives of Equity Services, Inc., Member FINRA/SIPC, 4401 Starkey Road, Roanoke, VA 24014 540/989-4600. Equity Services, Inc. is a Broker/Dealer and Registered Investment Adviser Affiliate of National Life Insurance Company, Montpelier, Vermont. National Financial Services, Inc. and U.S. Trust are independent of Equity Services, Inc.

Registered Representatives of Equity Services, Inc. do not offer trust services, tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.