Aaron Arnold is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 66 licenses. Arnold has been with Hornor, Townsend & Kent since 2010. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Michael Smith is a financial advisor at Hornor, Townsend & Kent, LLC with 40 years of industry experience. He holds Series 63 and Series 65 credentials and has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend and Kent since 2008. He is also involved in life insurance brokerage and financial planning through related business activities. 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, financial planning, and consulting. The firm combines asset allocation, diversification, and fundamental and technical analysis in its investment approach.

Craig Ballington is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and possessing 29 years of industry experience. He has been affiliated with Penn Mutual and Hornor, Townsend & Kent since 2002. In addition to his advisory role, Ballington is involved in life insurance brokerage through Primary Financial and serves as managing partner at Highgrove Capital, focusing on insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing a significant portion of assets on a non-discretionary basis.

David O Connell is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2010. Outside of his advisory role, he is involved in multi-line insurance brokerage through his positions as an agent with Empire Wealth Strategies and 1847Financial, focusing on life, health, disability, and long-term care insurance. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Jeremiah Kennedy is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Scott Christensen and Northwestern Mutual Investment Management. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Daniel Elmore is a financial advisor at Hornor, Townsend & Kent, LLC with four years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Hornor, Townsend & Kent in 2025, he worked at Northwestern Mutual Wealth Management Company and related affiliates from 2021 to 2025. Outside of his advisory role, he is involved in insurance brokerage activities assisting with sales and service of Penn Mutual life insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a large network of advisors, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Robert Bigley is a financial advisor at Hornor, Townsend & Kent, LLC with nine years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America and Merrill. In addition to his advisory role, he assists with insurance sales and service for multiple carriers, including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and a client-directed implementation model. The firm manages a majority of client assets on a non-discretionary basis and provides a range of financial planning and consulting services.

Stephen Karp is a financial advisor with Hornor, Townsend & Kent, LLC and holds the Series 63 and Series 66 licenses. He has 22 years of industry experience, with prior roles at OSAIC, Sagepoint Financial, Inc., and Mass Mutual Investors Services. Outside of advising, he owns Karp Solutions, LLC, which provides business consulting and HR strategy coaching. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, offering a range of discretionary and non-discretionary account options and maintaining relationships with third-party asset managers.

Mark Jones is a ChFC® credentialed financial advisor with 21 years of industry experience. He is currently with Hornor, Townsend & Kent, LLC, having joined in 2025, and previously worked at M Holdings Securities and AXA Advisors. Outside of his advisory role, he is involved in insurance brokerage focused on Penn Mutual life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms with an emphasis on client-directed implementation and oversight.

Karolyn Wotring is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. Her prior roles include positions at Northwestern Mutual Wealth Management Company and Penn Mutual Life Insurance Company. She serves on the board of directors and acts as secretary for the Women’s Executive Club of South Florida, a nonprofit networking organization. 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 the majority of client assets on a non-discretionary basis and offers financial planning, consulting, and retirement plan advisory services through third-party asset manager platforms.

Oliver Kneisley is a ChFC® with 43 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked at Penn Mutual Life Insurance Company and Hornor Townsend and Kent, Inc. since 2000. Kneisley owns multiple life insurance brokerage firms where he provides advisory services focused on life insurance solutions, estate liquidity, and retirement planning for individuals and business owners. 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 manager platforms, financial planning, and consulting.

Brandon Vecchio is a financial advisor at Hornor, Townsend & Kent, LLC with over seven years of experience in the financial services industry. He holds Series 65 and Series 63 licenses and previously worked at Northwestern Mutual in various roles from 2017 to 2026. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting through a network of advisers. The firm operates both advisory programs and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Benjamin Kapusta is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 registrations and bringing 11 years of industry experience. Prior to joining Hornor, Townsend & Kent, he spent a decade with Northwestern Mutual in various roles focused on wealth management and insurance. Outside of advisory work, he engages in business planning, consulting, and public speaking on topics such as business risk analysis and valuation. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a broad network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, supported by both advisory and broker-dealer services, with discretionary and non-discretionary account options and a multi-billion-dollar asset base.

Glenn Guthrie is a ChFC® with 42 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 2003. He also holds roles with Penn Mutual Life Insurance Company and operates Strategic Planning Group, an insurance brokerage focused on life, health, disability, long-term care, and annuity sales. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, emphasizing client-directed implementation and oversight through third-party asset manager platforms and financial planning.

Stephen Ryan is a financial advisor at Hornor, Townsend & Kent, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 1994. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Tremaine Bembry is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and 11 years of industry experience. He has worked with Hornor, Townsend & Kent since 2019 and previously was with MML Investors Services and MassMutual. Bembry is also involved in life insurance brokerage through his roles at Strategic Wealth Solutions Group and as proprietor of Attorney Resource Group, providing financial services tailored to attorneys. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, combining investment advice with custody and brokerage capabilities.

Jacqueline Gleason is a financial advisor with Hornor, Townsend & Kent, LLC and holds experience in accounting and tax preparation through her ownership of J. Gleason Associates LLC since 2017. She previously worked at Hoffman & West PC for ten years. Gleason also operates an insurance brokerage under the DBA 1847Financial, focusing on insurance sales including Penn Mutual life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services that emphasize client-directed implementation and oversight primarily on a non-discretionary basis. The firm integrates standard investment approaches and provides services through third-party asset managers and various advisory arrangements.

John Maleno is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and five years of industry experience. He has operated Maleno & Associates since 2004, providing CPA and accounting services including income tax return preparation and consulting. Outside of his advisory role, Maleno is involved in life insurance brokerage through several entities, including 1847 Financial and Maleno Financial Services. 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 client assets on a non-discretionary basis.

John Spillane is a CFP® with 34 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 1991. He also maintains a longstanding affiliation with Penn Mutual Life Insurance dating back to 1990. Spillane is involved in insurance brokerage activities through Cornerstone Financial Group and CFGPLAN, focusing on insurance sales and service including Penn Mutual life products. 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 manager platforms. The firm emphasizes client-directed implementation and oversight, employing strategies such as asset allocation, diversification, and both fundamental and technical analysis.

Alex Pawlawski is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2009. Outside of advising, he is proprietor of a hunting camp in Pennsylvania. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory services delivered via third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.