Christopher Clayton is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend And Kent, Inc. since 2000 and owns Clayton/Montgomery Group, LLC, a life insurance brokerage. Outside of his advisory work, he oversees operations for Margate Dairy Bar, a service industry business. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset managers and financial planning. The firm emphasizes client-directed implementation and oversight with a significant portion of assets managed on a non-discretionary basis.

Sean Easton is a financial advisor with Hornor, Townsend & Kent, LLC, holding over a decade of industry experience since 2012. He is a partner and owner of D'Angelo & Easton, PC, where he provides tax preparation and accounting services. Easton is also involved with Atlas Management & Consulting Company, offering bookkeeping and business consulting services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory services primarily delivered 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.

Grant Wenger is a ChFC® credentialed financial advisor with 42 years of industry experience. He is currently with Hornor, Townsend & Kent, LLC and Penn Mutual Life Insurance, having held prior positions at Securian Financial Services, Professional Capital Services, Mid Atlantic Resource Group, and Minnesota Life Insurance Co. Wenger also owns and operates IFA Benefits, LLC, a multi-line insurance brokerage focused on group insurance and life, accident, health, and annuity accounts. 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 consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Michael Ross is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has been with Hornor, Townsend & Kent and Cornerstone Financial Group/Penn Mutual since 1993. Outside of his advisory role, Ross is a co-owner of Cornerstone Financial Group, where he is involved in life, health, disability, and long-term care insurance sales, and serves as a trustee for family member trusts. 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.

Pegge Barrier is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked with Hornor, Townsend & Kent since 2014, including its predecessor entities, and was previously associated with Royal Alliance Associates, Inc. Barrier is also the CEO of New Day Financial Advisors, LLC, an insurance brokerage specializing in disability and health products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset managers and emphasizing client-directed implementation and oversight with a focus on non-discretionary management.

John Stover is a CFP® with 32 years of industry experience and is currently with Hornor, Townsend & Kent, LLC. His prior roles include positions at AlphaStar Capital Management, World Equity Group, TCM Securities, and Penn Mutual Life Insurance Company. He is also involved in insurance brokerage through his ownership and agent roles at Focus Financial Group and PS&G Financial Partners. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through non-discretionary third-party asset manager platforms, financial planning, and retirement plan consulting. The firm combines asset allocation, diversification, and fundamental and technical analysis in its investment approach, and operates as both an SEC-registered investment adviser and broker-dealer.

Jordan Foe is a financial advisor at Hornor, Townsend & Kent, LLC with three years of industry experience. His career background includes roles at Penn Mutual Life Insurance Company, MassMutual Life Insurance Company, and prior service with the West Palm Beach Police Department and the United States Army Reserves. He is also involved in financial consulting and insurance brokerage through Aurelius Legacy Partners. 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 advisory and broker-dealer services, offering custody, execution, and brokerage capabilities alongside investment advice.

Timothy Hyland is a CFP® with 25 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is the proprietor of Stone Hill Financial LLC, where he is involved in multi-line insurance sales and services, including employee benefits. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered investment adviser and a FINRA-member broker-dealer, managing substantial discretionary and non-discretionary assets while providing custody, execution, and brokerage services.

Steve Johnson is a CFP® with 40 years of experience at Hornor, Townsend & Kent, LLC, where he has worked since 1982. He also maintains a long-standing relationship with Penn Mutual Life Insurance Company. Outside of financial advising, Johnson owns a commercial salmon fishing business and serves as a board member of the Pacific City Dorymens Association, a charitable organization. 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 the majority of client assets on a non-discretionary basis.

Steven Kramer is a financial advisor with Hornor, Townsend & Kent, LLC in New York, NY, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked with Penn Mutual Life Insurance Co and Hornor Townsend & Kent since 2010. Outside of his advisory role, he provides consulting services on group health insurance and is a partner in Q6 Group, LLC, a financial services and insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset manager platforms and consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Thomas Montoya is a financial advisor at Hornor, Townsend & Kent, LLC with a Series 66 credential and less than one year of industry experience. Prior to joining Hornor, Townsend & Kent, he held roles at California Baptist University, Integrated Financial Benefits, and in the food service industry. Montoya also has experience with Vine Academy, where he worked for six years. 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, combining custody, execution, and brokerage capabilities with investment advice.

Virendra Tavathia is a financial advisor with Hornor, Townsend & Kent, LLC, holding the Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at MassMutual Life Insurance Company, Woodbury Financial Services, and Questar Capital Corporation. He is also the managing owner and independent insurance agent of Amogh Associates LLC, where he provides life, health, and property insurance 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 combines advisory and broker-dealer services, providing custody, execution, and brokerage capabilities alongside investment advice.

Richard Morrison III is a financial advisor with Hornor, Townsend & Kent, LLC in Pittsburgh, PA, holding Series 63 and Series 65 registrations with 10 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2016. Outside of advisory work, he is involved in several insurance brokerage activities and operates an online hobby shop dealing in trading cards. He also serves as president of the BNI Rainmakers networking group. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines SEC-registered advisory and FINRA-member broker-dealer services, managing billions in assets while providing customized investment and portfolio management strategies through a network of advisers and third-party asset managers.

Robert Halligan is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 license. He has 42 years of industry experience, including over 35 years with Hornor, Townsend & Kent and a concurrent long-term affiliation with Penn Mutual Life Insurance Company. Outside of his advisory role, he operates an insurance brokerage focused on life insurance sales and service. 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 its assets on a non-discretionary basis.

David Shoup is a CFP® professional with 30 years of experience, currently serving as an advisor at Hornor, Townsend & Kent, LLC. He has been affiliated with both Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 2003. Outside of his advisory role, he is involved in multiple insurance brokerage activities and participates as a partner in a networking group focused on sharing ideas among professionals. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services primarily through third-party asset manager platforms and financial planning. The firm emphasizes client-directed implementation and oversight with a predominantly non-discretionary investment approach.

Scott Jefferys is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. He holds a Series 63 designation and has operated a CPA practice, Jefferys & Associates, P.C., since 1993. Outside of advisory work, he is involved in insurance brokerage activities through entities including 1847Financial Services, LLC. 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 and manages a substantial portion of assets on a non-discretionary basis.

David Guyer is a financial advisor at Hornor, Townsend & Kent, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera Advisor Networks and Partners Financial Group. Outside of his advisory role, he has served as a probation officer for Northumberland County Juvenile Court since 1995. 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, managing the majority of client assets on a non-discretionary basis.

Ashton Glaser is a financial advisor at Hornor, Townsend & Kent, LLC with nine years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Mutual of Omaha Investor Services, Mutual of Omaha Insurance Company, Morgan Stanley, and Northwestern Mutual in various roles over an eight-year period. Outside of advisory work, he co-owns a handyman services business with family members. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs and financial planning services. The firm operates as both an SEC-registered investment adviser and a broker-dealer, offering custody, execution, and brokerage capabilities alongside third-party asset manager relationships.

Brian Kelnhofer is a financial advisor at Hornor, Townsend & Kent, LLC with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2020. Outside of his advisory role, he is also an insurance agent involved in multi-line insurance sales and service for multiple carriers, including Penn Mutual. 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 provides both brokerage and advisory services, managing approximately $8.37 billion in discretionary assets under management as of late 2025.

Rachel Fix is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and two years of industry experience. She has worked at WHB Financial Advisors and Rockbridge Academy and currently assists with insurance brokerage activities related to 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 rather than discretionary trading.