About RVAC Life & Retirement, LLC

Roanoke Valley Alleghany County Life and Retirement was born March 7, 2016. As a result of corporate downsizing, an all to common practice in business today. RVAC Life & Retirement was created by managing partners Timmy Hurst, Partners Durwin “Sonny” Waddell and Steve Hollins. An Independent Life Insurance and Retirement Planning Organization. Focusing on America’s broad middle market and main street small business. At our core RVAC is built around a career distribution-like mindset. With a customer focus on “Living Benefits” Life Insurance you don’t have to die to use. As well as the #1 concern for those approaching retirement. Will my retirement savings last?

Our Team Members

Our Team Members

Managing Partner

Timmy Hurst - CLF, LUTCF
(p) 540.320.4734 | [email protected]

Timmy has 40+ years in the financial services business. Spending 34 with AIG/American General. He served as managing director for the states of Virginia and West Virginia for the last 17 years. He received the first ever Benjamin Woodson Manager of the Year award in 2002. Timmy and his wife Debbie reside in Pulaski County and have 2 children as well as 4 grandchildren. He has served on the Pulaski County School Board since 2014. Timmy also serves as a Deacon at his church.


Durwin "Sonny" Waddell
(p) 540.969.9651 - (f) 540.965.9271 | [email protected]

A lifelong resident of Covington and Alleghany Co., Sonny started his career as a life and annuity Financial representative on April 3, 1993. Over the years Sonny has helped thousands of his clients meet both personal and business goals and dreams. In January 2017 Sonny became heavily involved in the Medicare world offering Medicare Supplement, Medicare Advantage, and Prescription drug plans to his senior clients. In June 2021 Sonny also obtained his property and casualty license to be able to offer his client more options in the form of home, auto, and commercial insurance. Email or give Sonny a call for any or all of your insurance and retirement needs.


Steve Hollins
(p) 540.633.6500 - (f) 540.633.6600 | [email protected]

Protecting individuals, families, and business owners in the New River Valley and Roanoke Valley since 1999; Steve has grown in the insurance business from Agent to Associate Manager to Partner. Steve came to the area to attend VA Tech where he earned a degree in Marketing, then returned a few years later as a manager with K-Mart Corp. He then transitioned to insurance planning and furthered his education in the insurance industry while cultivating relationships with clients through referrals and networking. Steve enjoys camping, hiking, biking, and kayaking; especially with his sons, Tristan and Weston. Call or email Steve for all your life insurance and retirement planning needs.

Associate Partner

Gary Lacy
(p) 304.541.3796

I started my insurance career back in 1992. I currently hold licenses in West Virginia, Ohio, Kentucky, Virginia, & North Carolina. Prior to the insurance career I served four years in the United States Marine Corps. I have been blessed to work with a lot of great people over the years. Some of my accomplishments are, I have earned my LUTCF designation, completed a course called AMTC, which stands for Agency Management Training Council, as well as completing some CLU courses. During my career I have qualifier for many sales leader conferences. I have also held several leadership positions in my career.Including being a General Manager for a former employer. I owe my success in the business to the following approach, I believe this business is a RELATIONSHIP building business instead of a insurance sales business. Because without the relationship you never establish trust. For someone reading this that may not know me, and needs my assistance, I would be honored to call you a friend as well as a client. Thanks you!!!

Associate Partner

Charles “Mike” McMillan
(p) 540.392.2076 - (f) 540.633.6600 | [email protected]

Associate Partner

Jessica Crowe
(p) 540.922.3891 |[email protected]

Associate Partner

Kyle Moore
[email protected]

A native of Southwest Va. Kyle is a Retired member of the U.S. Army and a current Virginia State Trooper. He is in the process of starting a new career in the Life insurance & Annuities field. Kyle has been married to his wife Jackie for over 30 years. He has 2 beautiful daughters Leanne Posey and Larissa Jordan. He enjoys Bass fishing and spending time with his 2 granddaughters Remington and Rain.

Associate Partner

Brian Stacy
(p) 540.230.7683 | [email protected]

Brian has been in the financial services industry since 2006 with experience in insurance, retirement planning, and banking. His main focus is assisting clients with their needs as they approach retirement. He resides in Pulaski with his wife Amber and their two children, Ty and Lydia. He spends his free time fishing and coaching youth sports in Pulaski County.

Associate Partner

Nathan W. Thomas
(p) 540-315-6653 (f) 540-633-6600 / [email protected]

"Your future is created by what you do today, not tomorrow"

Nathan is a native of Riner Virginia. He is a graduate of Auburn High School, and attended New River Community College. He currently resides in Riner with his wife Christen Webb Thomas who is a native of Floyd Virginia, and their two daughters Hailey and Marley.

"Listen with curiosity. Speak with honesty. Act with integrity"

Life insurance came naturally when a new career opportunity arose for Nathan several months ago, his mother (Glenda) and father (Don) had a combined sixty years in the insurance business. He grew up in an insurance household and learned the importance of this worthwhile industry at a very young age.

"Today's decision is tomorrow's security"

Associate Partner

Kelly Dean
540-862-5744 (Office), [email protected] (email), 540-862-4611 (Fax)

Racey & Dean Inc.
P.O. Box 625
535 Main St.
Clifton Forge, VA 24422


Kelly Dean Madsen is Racey & Dean Inc.’s President and a Licensed Property and Casualty and Health Insurance Agent in the state of Virginia. She grew up in Clifton Forge, VA and graduated from Alleghany High School. She is also a graduate of the University of Virginia (UVA) and UVA’s McIntire Business Institute. She lived and worked for 6 years in the Washington D.C. metro area and Ohio as a retail buyer/planner after finishing her education. She returned to Virginia and began working for Racey & Dean Inc., her family’s business, in 2005. She became President of Racey & Dean Inc. in 2016.

Kelly enjoys the outdoors and spending time with friends and family outside of work. She also enjoys attending and volunteering for community events. She served on the Augusta Mutual Insurance Co. (AMIC) Agents Advisory Board from 2016-2017. She is currently an Alleghany Foundation Board Member, and is a past Secretary and Board Member of Clifton Forge Main Street and a past Board Member of the Alleghany Highlands Chamber of Commerce and Tourism.


Other Associate Partners

Tim Coleman
[email protected]

Chip Wright
[email protected]

Tracy Roberts
[email protected]

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