Maureen Decker is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She previously worked at Northwestern Mutual and Penn Mutual Life Insurance Company. Outside of her advisory role, she provides tax preparation services during tax season, assists with community voting polls in Redding, Connecticut, and conducts student loan portfolio reviews to evaluate repayment options and federal programs. 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, with a focus on asset allocation, diversification, and both fundamental and technical analysis.

Christopher Carrion is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2014. Outside of advisory work, he is involved in life insurance brokerage through multiple entities and serves as Programming Co-Chair for Conscious Capitalism, coordinating event scheduling and catering. 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 as an SEC-registered adviser and FINRA-member broker-dealer, providing a range of investment and brokerage services through a network of advisers and third-party asset managers.

Lawrence Bernstein is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked with Hornor, Townsend & Kent since 2010 and concurrently with Penn Mutual Life Insurance Company. Outside of his advisory role, Bernstein is involved in life insurance brokerage and tax preparation through his businesses, Prime Financial Services and Wealth Continuum Group. 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 a majority of assets on a non-discretionary basis.

Andre Veres is a financial advisor with Hornor, Townsend & Kent, LLC, holding the CFP® and ChFC® designations and possessing 13 years of industry experience. He has been with Hornor, Townsend & Kent since 2016 and also maintains a longstanding affiliation with Penn Mutual Life Insurance Company. In addition to his advisory role, Veres is a partner in an insurance brokerage, Longview Insurance & Investments, based in Tucson, AZ. 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 as an SEC-registered investment adviser and FINRA-member broker-dealer, managing a multi-billion-dollar asset base through a combination of in-house and third-party portfolio management.

Lindsay Marriott is a financial advisor at Hornor, Townsend & Kent, LLC, holding a Series 66 designation with one year of industry experience. Prior to joining Hornor, Townsend & Kent, Marriott was involved with Beezer Labs at Fisk University and has work history at Fisk University and Florida State University. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through a network of advisers. The firm offers advisory programs, financial planning, and retirement plan consulting, operating both advisory programs and broker-dealer services with a platform that includes third-party asset manager relationships and multiple account options.

Jerod Frank is a financial advisor at Hornor, Townsend & Kent, LLC with 10 years of industry experience. He holds a Series 66 license and has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2016. In addition to his advisory role, he is a partner at Wealth Coordination Partners, an insurance brokerage focusing on multi-line insurance products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm operates both SEC-registered advisory and broker-dealer services, offering custody, execution, and brokerage capabilities alongside investment advice.

Edward Condura is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Hornor, Townsend & Kent since 1997. Outside of his advisory role, he is involved in insurance brokerage, operating businesses under the names Edward M. Condura and Condura Capital Advisors, providing insurance sales and services for multiple carriers including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory and consulting services primarily through third-party asset manager platforms. The firm emphasizes client-directed implementation and oversight with a focus on non-discretionary management and employs a range of investment strategies including asset allocation, diversification, and fundamental and technical analysis.

Ronald Duswalt is a CFP® and ChFC® with 39 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has been with the firm and Penn Mutual Life Insurance Company since 2003. Outside of his advisory role, Duswalt owns a life insurance brokerage and provides consulting on divorce and financial matters. He also serves as a board member and trustee for the Visiting Nurse Service and Hospice of Suffolk, Inc., and engages in lecturing on financial topics. 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.

Zuleyka Feliz is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 2014. She previously worked with Penn Mutual Life Insurance Company starting in 2013. In addition to her advisory role, she is involved in insurance brokerage operations and serves as an office administrator for a related insurance brokerage office. 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. The firm manages a majority of client assets on a non-discretionary basis and offers a range of investment strategies and retirement plan consulting.

William Oetker is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 20 years of industry experience. He has been associated with Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc since 2014. Outside of his advisory role, he is actively involved as an agent in life insurance sales for multiple carriers, including Penn Mutual Life. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms and non-discretionary client-directed investment oversight. The firm operates with a focus on asset allocation, diversification, and both fundamental and technical analysis.

Jessica Walker is a financial advisor at Hornor, Townsend & Kent, LLC with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including New York Life Insurance Company and Wohlstand Wealth Strategies, LLC. Walker serves as Vice Chair of the New Braunfels Women's Business Alliance and is Treasurer on the Board of Directors for Brauntex Theater, a local arts nonprofit. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by providing advisory programs, financial planning, and retirement plan consulting. The firm offers both advisory and broker-dealer services with a focus on tailored asset allocation and diversification strategies, managing over $8 billion in discretionary assets.

Mark Hale is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Penn Mutual Life Insurance Co and Hornor Townsend & Kent Inc since 2010. Outside of his advisory role, Hale serves as a rec league baseball umpire and is a member of the National Advisory Council for Penn Mutual Life and HTK. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through third-party asset manager platforms, financial planning, and retirement consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Teresa Graner 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 1985. In addition to her advisory role, she owns and operates Omega Financial Group, a multi-line insurance brokerage specializing in life and long-term care insurance as well as investment-related products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight with a focus on non-discretionary asset management.

Robert Feiner is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and 24 years of industry experience. He has been with Hornor, Townsend & Kent since 2015 and has worked with Penn Mutual Life Insurance Company since 1990. Feiner is also involved in life insurance brokerage through his activities with The Feiner Group and Empire Wealth Strategies. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and consulting. The firm emphasizes client-directed implementation and oversight with a significant portion of assets managed on a non-discretionary basis.

Ferrell O’Quinn is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at Penn Mutual Life Insurance Company and Country. Outside of advising, he is involved in several service businesses, including ownership of a laundromat and participation in billboard advertising sales. 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 investment implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Nathaniel Liebe is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience. He holds a Series 66 designation and previously worked at LPL Enterprise, The Prudential Insurance Company of America, and Thrivent Financial, among other firms. Outside of his advisory role, he is active as an insurance agent involved in insurance sales and service, including 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.

Xin Chen is a financial advisor at Hornor, Townsend & Kent, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Hornor, Townsend & Kent since 2026. His prior experience includes roles at Air Products and Chemicals and Bloom Energy, as well as involvement with Sky Queen Investments, LLC and Transglobal Holding Company. Chen is also employed at Radnor High School. 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 investment adviser and a FINRA-member broker-dealer, offering custody, execution, and brokerage services alongside tailored investment advice.

Bradley Hubbard is a financial advisor at Hornor, Townsend & Kent, LLC in Austin, TX, with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Hornor Townsend & Kent since 2017. He also has a background in life insurance brokerage through his role at Penn Mutual Life Insurance Company, where he has worked since 2016. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with a range of advisory programs, financial planning services, and retirement plan consulting. The firm combines advisory and broker-dealer services, including access to third-party asset managers and both discretionary and non-discretionary accounts.

Kyle Gaeffke is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley, Semrush, and Penn Mutual Life Insurance Company. In addition to his advisory role, he is involved in insurance brokerage through 1847Financial, focusing on Penn Mutual Life products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs, financial planning, and retirement plan consulting. The firm operates both as an SEC-registered adviser and a FINRA-member broker-dealer, offering a platform that includes third-party asset manager relationships and a range of discretionary and non-discretionary account options.

Parimal Patel is a CFP® professional with 26 years of experience, currently serving at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. Patel is also engaged in multi-line insurance brokerage activities, including investment-related insurance and annuity sales through affiliated firms. 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 offers financial planning, consulting, and retirement plan services with a focus on client-directed implementation and oversight.