Joseph Pilla is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and bringing 25 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2013. Outside of his advisory role, Pilla serves as treasurer and board member of a local camping association and is involved in charitable board activities, as well as engaging in accounting and tax services, real estate consulting, and retail jewelry business partnerships. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and financial planning. The firm focuses on client-directed implementation and oversight with a non-discretionary investment model and manages a majority of its assets on this basis.

Kathryn Cunningham is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Hornor, Townsend & Kent since 2015. In addition to her advisory role, she is involved in life insurance brokerage activities supporting client services and relationship management for Condon & Co. Wealth Advisors. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight, managing the majority of its approximately $7.38 billion in client assets on a non-discretionary basis.

Jeffrey Hammer is a CFP® and ChFC® with 14 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 2025. Prior to joining HTK, he worked at Northwestern Mutual in various capacities from 2011 to 2025. Outside of his advisory role, he is CEO of Hammer Forte Consulting, LLC, providing consulting services related to business, philanthropy, intellectual property, and public speaking. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily on a non-discretionary basis through third-party asset manager platforms and financial planning. The firm combines client-directed implementation with standard investment approaches and maintains dual registration as an SEC-registered investment adviser and broker-dealer.

Jason Rucker is a CFP® professional with 28 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and operates Rucker Financial Services. Outside of his advisory role, he oversees a local congregation for The Church of Jesus Christ of Latter-day Saints, managing both spiritual and financial aspects. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, focusing on client-directed implementation and oversight through third-party asset manager platforms and financial planning.

David Hartley is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 credential and 19 years of industry experience. His prior roles include positions at VALIC Financial Advisors and Agia. In addition to his advisory work, he owns Wealth Wellness LLC, a financial planning practice, and is involved in insurance brokerage focused on life products through Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily on a non-discretionary basis through third-party asset managers and financial consulting. The firm emphasizes client-directed implementation and oversight with a range of investment strategies and retirement plan fiduciary services.

Derek Nelson is a financial advisor at Hornor, Townsend & Kent, LLC with 13 years of industry experience. His background includes roles at Penn Mutual Life Insurance Company and as an independent insurance agent, along with experience running his own sole proprietorship. He holds Series 65, Series 66, and Series 63 licenses. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and FINRA-member broker-dealer, managing a multi-billion dollar portfolio in discretionary and non-discretionary assets.

Craig Rossetti is a CFP® and ChFC® with 28 years of industry experience. He is affiliated with Hornor, Townsend & Kent, LLC and has worked with Penn Mutual Life Insurance Company since 2009. Rossetti also operates his own tax and accounting services firm and serves on the board of directors for Mount Lebanon Village, a community nonprofit organization. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm provides both advisory and broker-dealer services, combining custody, execution, brokerage capabilities, and investment advice through a network of advisers and third-party asset managers.

Samuel Schiff is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 credential and over 15 years of industry experience. His career includes roles at Tritium Private Wealth Strategies and Momentum Advanced Planning LLC. He is also involved in life insurance brokerage and services multiple carriers, including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory services primarily through third-party asset manager platforms, with a focus on client-directed implementation and oversight rather than routine discretionary trading.

Stephen Herman is a financial advisor with Hornor, Townsend & Kent, LLC, holding the CLU and CHFC designations and bringing 57 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 1962. Outside of his advisory work, he serves on the executive committee of a Boy Scouts council, overseeing its finances and investments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight with a majority of client assets managed on a non-discretionary basis.

Bradley Konawalik is a financial advisor at Hornor, Townsend & Kent, LLC with 24 years of industry experience. He holds a Series 66 designation and has previously worked at MassMutual Investors Services, MassMutual Life Insurance Company, and MetLife Securities Inc. In addition to his advisory role, he is involved in several life insurance brokerage ventures, including serving as a managing partner and sales specialist with Advisor Partner Group and Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a range of advisory programs and financial planning services. The firm offers a combination of brokerage and advisory capabilities and works with third-party asset managers to deliver customized investment solutions.

Nicholas Crippen is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. His prior experience includes roles at Penn Mutual Life Insurance Company and Keystone Financial Group, where he also assists with multi-line insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight, managing a significant portion of client assets on a non-discretionary basis.

Richard Galzarano is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at Hornor, Townsend & Kent since 2014 and concurrently serves as an agent for Penn Mutual Life Insurance Company. Outside of his advisory role, he is a board member of the North Columbus Jaycees, a community group focused on local service initiatives. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory services through third-party asset manager platforms, financial planning, and consulting. The firm emphasizes client-directed implementation and oversight with a primarily non-discretionary investment approach.

Timothy Hall is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Hornor, Townsend & Kent, LLC and has held roles at firms including Lincoln Financial Advisors and Carson Wealth. Outside of his advisory work, Hall owns a retail spirituality business where he is a photographer and non-financial blogger. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs, financial planning, and retirement consulting. The firm operates a dual-registered platform offering both advisory and broker-dealer services, supporting clients with tailored investment strategies through a network of advisers and third-party asset managers.

Daniel Lee is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 credential and 11 years of industry experience. He has been with Hornor, Townsend & Kent since 2016 and also works with Penn Mutual Life Insurance Company. Outside of his advisory role, he serves as an agent in life insurance brokerage, focusing on the sales and service of life, accident, health, disability, long-term care, and annuity products for multiple carriers including Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates with a dual registration as an SEC-registered adviser and FINRA-member broker-dealer, combining custody, execution, and brokerage capabilities alongside investment advice.

Jomo Hylton is a financial advisor at Hornor, Townsend & Kent, LLC with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities Inc. Outside of his advisory role, he is involved in retail art sales through AMANA Media, LLC, and owns a music and film production company, Amarna LLC. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight, managing the majority of its client assets on a non-discretionary basis.

Alexander Casella is a financial advisor at Hornor, Townsend & Kent, LLC with seven years of industry experience. He holds the ChFC® designation and securities licenses Series 63 and Series 66. Prior to joining Hornor, Townsend & Kent in 2022, he worked at PennMutual / Concord Wealth Management and The Montagno Insurance Agency. Outside of advising, Casella serves as a board member of the Italian American Youth Foundation and is involved with the North Branford Rotary Club. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers both advisory and broker-dealer services, including discretionary and non-discretionary account options, supported by third-party asset manager relationships.

Matthew Condon is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2001. Outside of his advisory role, Condon is a board member and trustee of the Old Gold Rugby Club, where he helps oversee youth and high school rugby programs. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory services that emphasize client-directed implementation and oversight. The firm manages a majority of client assets on a non-discretionary basis and offers a range of investment and retirement plan consulting services.

James Lester is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 license. He has 54 years of industry experience, including over 25 years with Hornor, Townsend & Kent and a long tenure as an insurance agent with Franklin Life Insurance Company and his own agency. He is also involved in insurance brokerage activities through entities affiliated with Penn Mutual. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily on a non-discretionary basis through third-party asset manager platforms and financial planning. The firm is notable for its dual registration as an SEC-registered investment adviser and broker-dealer and its connection to 1847 Financial/Penn Mutual.

Lorin Rivers is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Hornor, Townsend & Kent, he worked at Penn Mutual Life Insurance Company and Northwestern Mutual, and he has a background that includes roles in music education at Berklee College of Music and Anselmo Academy of Music and the Arts. Rivers is also active as a life insurance agent, focusing on Penn Mutual life insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms with a non-discretionary investment approach. The firm manages a majority of its client assets on a non-discretionary basis and provides financial planning, consulting, and retirement plan fiduciary services.

Rita Gibson is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Hornor, Townsend & Kent since 1989 and also owns Rita Gibson Insurance Services, where she is involved in life insurance brokerage. Outside of her advisory work, she serves on the management team of ArcadeChurch, providing guidance on church property, finance, and personnel matters. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight with a strong focus on non-discretionary asset management.