Business Details
50+ Years
experience
Trusted Financial Planning Services in Towson, MD
Founded in 1947, Cornerstone Financial has built a legacy of providing personalized financial solutions. Our firm specializes in executive compensation plans, estate planning strategies, personal insurance, employee benefits, and retirement planning. Guided by prudence, solid business ethics, and thoroughness, we focus on delivering tailored financial products and services to meet the unique needs of our corporate and individual clients. Our team holds prestigious certifications including Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Accredited Estate Planner (AEP), ensuring expertise across financial consulting and benefits planning. We pride ourselves on cross-disciplinary collaboration to create cost-efficient, creative solutions for wealth management and risk mitigation.With a commitment to ongoing client relationships, we provide continuous support, legislative updates, and customized plan adjustments. Our professionals maintain relationships with credible attorneys and accountants to enhance estate planning services. Cornerstone Financial operates under rigorous standards of transparency and client-centric service, emphasizing the importance of personalized financial relationships. We serve clients through a combination of experience, attention to detail, and a dedication to preserving wealth across generations. Our approach combines decades of industry knowledge with modern financial strategies to help clients achieve long-term financial security.
Services
Executive Benefits
Estate Planning
Risk Management
Wealth Management
Retirement Planning
Employee Benefits
Insurance Strategies
Tax-Efficient Planning
Details
- Year established: 1947
Highlights and features
- We offer 75+ years of combined experience in financial planning since 1947
- Our team holds multiple industry certifications including ChFC and CLU
- We provide customized financial solutions tailored to individual client needs
- We maintain relationships with trusted legal and tax professionals for comprehensive planning
- Our professionals undergo continuous education to stay current with financial regulations
Associations and certifications
- Chartered Financial Consultant (ChFC)
- Chartered Life Underwriter (CLU)
- Accredited Estate Planner (AEP)
What people say
Personalized approach
Industry expertise
Continuous support
Tax-efficient strategies
Certified professionals
Services
Executive Benefits
We design customized executive benefit packages including retirement plans and insurance strategies. Our solutions help businesses attract and retain top leadership talent through competitive compensation structures. Services include supplemental executive retirement plans and non-qualified deferred compensation programs tailored to organizational needs.
Estate Planning
Our estate planning services create tax-efficient strategies for asset transfer to beneficiaries. We coordinate with legal professionals to develop wills, trusts, and gifting strategies that align with clients' legacy goals. The process begins with comprehensive asset inventory and legacy intention assessments.
Risk Management
We identify and mitigate financial risks through customized insurance solutions and investment strategies. Our approach addresses life, disability, and long-term care risks while maintaining portfolio sustainability. Services include annuities and comprehensive risk assessment analyses for individuals and businesses.
Wealth Management
Our wealth management services integrate retirement planning, investment strategies, and income projections. We offer disciplined investing approaches and charitable planning solutions tailored to individual financial goals. The comprehensive approach covers both traditional and alternative investment vehicles.
Employee Benefits
We create customized employee benefit packages including medical, dental, and retirement plans. Our solutions balance comprehensive coverage with cost-efficiency for businesses of all sizes. Services include health savings accounts and flexible benefit plan design tailored to organizational needs.
People
David deMuth
Partner
David deMuth brings decades of financial planning experience to Cornerstone Financial. He specializes in executive compensation strategies and has helped numerous businesses develop competitive benefit packages. His expertise ensures clients receive tailored financial solutions.
Henry B. Thomas
Partner
Henry B. Thomas focuses on estate planning and wealth transfer strategies. With extensive experience in tax-efficient planning, he helps clients preserve assets for future generations through customized trust and gifting solutions.
J. Richard Thomas, Jr.
Partner
J. Richard Thomas, Jr. continues the family legacy at Cornerstone Financial. He specializes in retirement planning and investment strategies, combining traditional and alternative approaches to create diversified portfolios for individual and corporate clients.
Rita D. Exter
Office Manager
Rita D. Exter oversees daily operations at Cornerstone Financial. With over 20 years in financial services administration, she ensures seamless client support and coordinates the implementation of financial plans across all service areas.
Julie P. Wittelsberger
Executive Assistant
Julie P. Wittelsberger provides administrative support to David deMuth. She manages client communications and coordinates financial planning processes, ensuring timely execution of executive benefit strategies and client meetings.
Questions
What financial services does Cornerstone Financial offer?
We provide executive benefits, estate planning, risk management, wealth management, and employee benefits solutions tailored to individual and corporate clients.
How does Cornerstone Financial personalize financial plans?
Our professionals conduct comprehensive assessments of each client's financial situation, goals, and risk tolerance to create customized strategies that meet specific needs.
What certifications do your financial advisors hold?
Our team includes Chartered Financial Consultants (ChFC), Chartered Life Underwriters (CLU), and Accredited Estate Planners (AEP) with specialized expertise in financial planning.
Do you work with both individuals and businesses?
Yes, we serve both individual clients needing personal financial planning and businesses seeking executive compensation and employee benefit solutions.
How do you handle estate planning coordination?
We collaborate with clients' existing legal professionals to develop comprehensive estate plans, including wills, trusts, and tax-efficient asset transfer strategies.
What areas do you serve?
While based in Towson, MD, we serve clients throughout the Baltimore-Washington corridor and provide services to businesses and individuals nationwide.
