Joanna Craney is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Craney has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2015. She serves on the board of a local nonprofit preschool organization, Caring Branches Early Care and Education Center. 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. The firm manages the majority of its approximately $7.38 billion in client assets on a non-discretionary basis and maintains dual registration as an SEC-registered investment adviser and broker-dealer.

Richard Curtis is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been associated with Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc since 2007. Outside of his advisory work, Curtis serves as treasurer for a local homeowners association and manages a non-investment business focused on general bookkeeping. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing over $8 billion in discretionary assets while providing tailored investment strategies through a network of advisers and third-party asset managers.

John Clarke is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 and 65 licenses. He has 27 years of industry experience, including roles at Penn Mutual Life Insurance Company since 2010. Clarke is a partner in a multi-line insurance brokerage and serves on the board of directors for American Leadership Academy. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory services primarily through third-party asset manager platforms, financial planning, and retirement plan consulting. The firm emphasizes client-directed implementation and oversight with a focus on non-discretionary asset management.

Melanie Colusci is a CFP® professional with 27 years of experience, currently serving at Hornor, Townsend & Kent, LLC. She has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. Outside of her advisory role, she is an author and speaker focused on women business owners. 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 emphasizes client-directed implementation and oversight rather than routine discretionary trading.

Joshua Lynn is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds a Series 66 designation and has previously worked with Penn Mutual Life Insurance Company and Longview Insurance and Investments. Lynn also serves in the Arizona Air National Guard and provides educational presentations on navigating the TSP website for its members. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms. The firm’s advisory model emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Michael Mcclelland is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and bringing 11 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2014. Outside of his advisory role, he is involved in life insurance brokerage through multiple entities and has experience as a background actor in television and film. 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.

Andrew Barnhill is a Series 66-registered financial advisor with Hornor, Townsend & Kent, LLC, based in Houston, TX, and has one year of experience in the industry. He also serves as an insurance agent for Penn Mutual Life Insurance Company and has a background as a commercial airline pilot with Spirit Airlines. Barnhill is the author of the book *Financial Flight Plan*. 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. The firm emphasizes client-directed implementation and oversight and manages approximately $7.38 billion in client assets on a non-discretionary basis.

Emily Welsh is a financial advisor at Hornor, Townsend & Kent, LLC with four years of industry experience. She holds a Series 66 designation and has worked at several firms, including CETERA Advisor Networks and Securian Financial Services. In addition to her advisory role, she assists with insurance sales and service related to Penn Mutual life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers, 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.

Zachary Bloemen is a financial advisor at Hornor, Townsend & Kent, LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Northwestern Mutual in various capacities from 2016 to 2022, as well as Penn Mutual Life Insurance Company since 2021. 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 advisory and broker-dealer services, with a dual registration that supports a range of investment options and portfolio management arrangements.

Gregory Herbison is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and over 18 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, Herbison serves as an adjunct professor at St. John Fisher College, lecturing on finance subjects, and is involved in substitute teaching and test administration in local schools. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing 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 supported by third-party asset manager relationships.

Paul Roa is a ChFC® credentialed financial advisor with 44 years of industry experience. He currently works at Hornor, Townsend & Kent, LLC and previously held various roles within Northwestern Mutual and its affiliated entities over nearly five decades. In addition to his advisory role, he is also an insurance agent involved in brokerage activities. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing 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 investment solutions including third-party asset manager relationships and discretionary and non-discretionary account options.

Andrea Empie is a CFP® professional with 22 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 2015. She also holds roles in insurance sales and service, including as an agent with Penn Mutual Life Insurance Company and as a member of Daddio Financial Advisors LLC, focusing on life insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services and maintains a dual registration as an SEC-registered adviser and FINRA-member broker-dealer.

Colton Schafer is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing eight years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2016. In addition to his advisory role, Schafer is involved in insurance brokerage for multiple carriers and supports administrative functions including event planning and compliance coordination. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory services through third-party asset managers, financial planning, and retirement plan consulting. The firm’s approach emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Steven Caruso is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He has been with Hornor, Townsend & Kent since 2012. Caruso holds Series 63 and Series 65 credentials. 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 a majority of client assets on a non-discretionary basis.

Madison Hedrick is a financial advisor at Hornor, Townsend & Kent, LLC with three years of industry experience. She holds a Series 66 designation and has worked at Penn Mutual/Aspire Wealth Planners and Hornor, Townsend & Kent. Outside of her advisory role, she coaches field hockey at Paint Branch High School. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing billions in assets through a network of advisers and third-party asset managers.

James Girres is a ChFC® credentialed financial advisor with 42 years of industry experience, currently associated with Hornor, Townsend & Kent, LLC since 1976. He also owns and operates a multi-line insurance brokerage, Creative Financial Group, and participates as a member of a musical singing group. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms with a client-directed, non-discretionary investment approach.

Mark Vujevich is a financial advisor with Hornor, Townsend & Kent, LLC in Pittsburgh, PA, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He has been with Hornor, Townsend and Kent since 2003. Outside of his advisory role, Vujevich is a board member and trustee of Angel Fund, a charity assisting families with outpatient expenses at the Children’s Hospital of Pittsburgh. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing approximately $8.37 billion in discretionary assets and providing a range of account options through relationships with third-party asset managers.

Diego Correa is a financial advisor at Hornor, Townsend & Kent, LLC with 18 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with firms including Penn Mutual Life Insurance Company and MassMutual. Correa is also the proprietor of DAC Financial, a multi-line insurance brokerage, and is involved in financial planning with a focus on advising attorneys through an affiliated entity. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a comprehensive advisory platform that includes advisory programs, financial planning, and retirement plan consulting. The firm provides both discretionary and non-discretionary account options and operates as both an SEC-registered adviser and FINRA-member broker-dealer.

Nada Allen is a financial advisor at Hornor, Townsend & Kent, LLC with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Penn Mutual Life Insurance Company, The Rainier Financial Group, and New York Life Insurance Company. In addition to her advisory roles, Allen serves as an adjunct faculty professor at Austin Community College, teaching and advising students at the college level. 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 retirement plan consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Catina Risper is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has worked with Penn Mutual Life Insurance Company and Hornor Townsend and Kent since 2007. In addition to her advisory role, she is involved in multi-line insurance sales and service through 1847Financial in Houston. 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.