Rachel C. Lower, CLU®, ChFC®

President and CEO

Rachel C. Lower, CLU, ChFC

Rachel has more than 20 years of experience in increasing confidence for business owners and families. As a trusted advisor, she helps clients create practical business and estate plans.

Rachel's Best Cornerstone Story
I am always amazed to see how much of an impact good planning can have over the course of several years. When we started working with a particular client, the client requested that we develop a way to provide equality to his kids who were not active in the business as well as a mechanism to transfer the family business to those who are active in the business. By utilizing sophisticated estate and business planning techniques, we were able to remove significant growth from his estate. Initially, the removal from the estate was slightly over $2 million. Now, 15 years later, that $2 million has grown to be over $30 million removed from his estate.


Rachel’s success in her current role was built through her dedication to her clients and various roles she has held over the course of her work experience. She has created long-term relationships with clients and advisors by listening and being proactive to ensure the plans developed continue to meet the objectives of clients. In addition to her great knowledge, clients and their advisors enjoy Rachel's positive attitude and energetic personality, which helps her make a challenging process easy for all involved. She also applies this philosophy to growing and developing the Cornerstone team. 

Rachel received her Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®) designations through the American College of Financial Services. She holds a Pennsylvania Life, Accident and Health license as well as FINRA 6 & 63 securities registrations. She is an active member of both Finseca and the Estate Planning Council of the Lehigh Valley. Rachel received a BBA in Actuarial Science from Temple University, where she was a member of the Gamma Iota Sigma academic fraternity. She also is an active participant in the M Financial Group, a premier financial services design and distribution network focused on creating better solutions and proprietary products for affluent clients. 

Rachel was awarded the 2016 Lehigh Valley Business Forty Under 40 Award, which celebrates the most accomplished in her region. She was recognized for her commitment to business growth, professional excellence and to the community. Read More.

Rachel gives back to the community and believes this is an important part of her work. She supports Allentown Rescue Mission, St. Jude’s Children’s Hospital, and ArtsQuest, to name a few. She was also a featured speaker at Moravian College’s Future Business Leaders of America Chapter. Whether it is on the ski slopes or on the beach, Rachel’s greatest enjoyment outside of work is spending time with her husband, Brad, and her two daughters, Cecelia and Amelia.