Evan Pollack is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and bringing eight years of industry experience. His career includes roles at Penn Mutual Life Insurance Company, Park Avenue Securities, Guardian Life Insurance Company, and Trillium Management. Outside of his advisory work, he is the proprietor of A & E Machines LLC, a service business involved in purchasing heavy machinery for short-term rentals. 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 non-discretionary investment approach and maintains dual registration as an SEC-registered investment adviser and broker-dealer.

Spencer Phillips is a financial advisor at Hornor, Townsend & Kent, LLC with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including MassMutual Investors Services, American Century Investment Services, and The Penn Mutual Life Insurance Company. Phillips is also involved in life insurance brokerage through his roles at 1847Financial and Total Financial Partners. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory services primarily on a non-discretionary basis through third-party asset manager platforms, financial planning, and consulting. The firm is noted for its dual registration as an SEC-registered investment adviser and broker-dealer and its affiliation with 1847 Financial/Penn Mutual.

Kristopher Olsen is a financial advisor at Hornor, Townsend & Kent, LLC with 21 years of industry experience. He holds the Series 66 designation and previously worked at LPL Financial for eight years before joining Hornor, Townsend & Kent in 2023. 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.

Mc Kenzie Morrow is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. She holds Series 63 and Series 65 licenses and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of financial advising, she has been involved with 2MORROW SOUND since 2021. 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 as of December 2025.

Edward Cehelsky is a financial advisor with Hornor, Townsend & Kent, LLC, holding the Series 66 designation and bringing 25 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual since 2004. Outside of his advisory role, he operates an insurance brokerage business providing life insurance and related services for multiple carriers, including Penn Mutual Life Insurance Company. 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 provides both advisory and broker-dealer services, including custody, execution, and brokerage capabilities, with a broad platform featuring third-party asset manager relationships and a dual registration as an SEC-registered adviser and FINRA-member broker-dealer.

John Norman is a ChFC® credentialed financial advisor with 32 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC since 2004. He holds roles in multiple insurance brokerages, including Penn Mutual Wealth Strategies, Chandler & Knowles Financial, and Wealth Coordination Partners, focusing on the sale and service of life, disability, long-term care insurance, and annuities. Hornor, Townsend & Kent (HTK) provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, primarily 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.

Thomas Minger Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously worked at Ameriprise Financial Services Inc. and Putnam Retail Management. Outside his advisory role, he owns a transport and hauling business and operates two insurance brokerage firms focusing on life, accident, health, and annuity products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and emphasizing client-directed implementation and oversight. The firm manages a majority of client assets on a non-discretionary basis and combines standard investment approaches with specialized retirement plan consulting.

Natalie Hedrick is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC. She has worked at Penn Mutual Life Insurance Company and related firms since 2015. Hedrick is also involved in insurance brokerage through her roles as partner at WHB Financial Advisors, LLC, financial advisor at 1847Financial, and proprietor of Shoreline Financial Strategies, focusing on life insurance sales and service. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering financial planning, advisory programs, and retirement plan consulting. The firm operates a dual SEC-registered investment adviser and FINRA-member broker-dealer platform, integrating third-party asset managers and providing both discretionary and non-discretionary account options.

Michael Schwentner is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2013. Schwentner serves as a board member and trustee for Live Learn and Play, a community and educational center supporting families with autistic children. 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.

Janssen Breeden is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and four years of industry experience. Prior to joining Hornor, Townsend & Kent, Breeden worked at Penn Mutual Life Insurance Company and MML Investors Services LLC. Outside of advising, Breeden coaches rugby at Benedictine College Preparatory. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs and financial planning, combining brokerage services with investment advice. The firm offers both discretionary and non-discretionary account options and manages a multi-billion-dollar asset base through third-party asset manager relationships.

Gavin Shepherd is a financial advisor at Hornor, Townsend & Kent, LLC with two years of industry experience and holds a Series 66 designation. He has worked at Penn Mutual Life Insurance Company and Rodgers Financial Group and is co-owner of G2 Cattle Co., where he is involved in cattle raising and property maintenance. Shepherd also serves as president of the Crossett Rotary Club, overseeing weekly meetings and community volunteer projects. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset managers and consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

George Coxhead Jr. 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 Equity Services, Inc. prior to his current roles. Outside of his advisory work, he owns and operates George Coxhead Financial Services, LLC, providing multi-line insurance brokerage services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans 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.

Darrell Marques is a financial advisor at Hornor, Townsend & Kent, LLC with 26 years of industry experience. He holds the Series 66 designation and has worked at both Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2004. In addition to his advisory role, Marques is involved in multi-line insurance sales and portfolio construction for advisory accounts through his activities as an insurance agent. 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 a majority of client assets on a non-discretionary basis.

Peter Zaknich Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. He has been with Hornor, Townsend & Kent since 1995. In addition to his advisory role, Zaknich owns and operates a life insurance brokerage focused on life, accident, health, disability, long-term care, and annuity products. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, managing both discretionary and non-discretionary accounts and reported approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Jason Yarnall is a financial advisor at Hornor, Townsend & Kent, LLC with one year of industry experience. He holds a Series 66 designation and previously worked at Coventry First and Independence Blue Cross. Yarnall is also active as an insurance agent with 1847Financial and 1847 Private Client Group, focusing on insurance sales, financial planning, and annuities. 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.

Joseph Ozag Jr. is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 66, Series 65, and Series 63 licenses and five years of industry experience. Prior to joining Hornor, Townsend & Kent in 2022, he worked at FINRA from 2000 to 2021. 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 as an SEC-registered adviser and FINRA-member broker-dealer, providing custody, execution, brokerage services, and a range of third-party asset manager relationships.

Lukendric Washington is a CFP® professional with seven years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC in Tampa, FL. His prior roles include positions at Penn Mutual Life Insurance Company and Northwestern Mutual, as well as work as a tax expert for Intuit Turbo Tax Live. Outside of advisory work, Washington is an author and serves on the board of the nonprofit Freedom Project Network. Hornor, Townsend & Kent (HTK) 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 investment advice with custody and execution capabilities.

Tomas Parks is a financial advisor at Hornor, Townsend & Kent, LLC with 25 years of industry experience. He holds the ChFC® and Series 63 designations and has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. In addition to his advisory role, he is a managing partner of multiple insurance brokerages, serves as an adjunct professor delivering courses related to his doctorate, and holds trustee and board officer positions in charitable organizations. 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.

Jeffrey Orth is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and Series 63 license. He has 27 years of industry experience, including a long tenure with Penn Mutual Life Insurance Company since 1998. Orth is also the proprietor of Integrated Financial Benefits Network, an insurance brokerage specializing in multi-line life, health, disability, and long-term care insurance. He serves on the board of Gavilan College and is a director of the Gilroy Downtown Business Association. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services primarily through third-party asset manager platforms and emphasizing client-directed implementation and oversight.

James Rogers is a financial advisor with Hornor, Townsend & Kent, LLC, holding the ChFC® designation and a Series 63 license. He has 44 years of industry experience, having worked at Hornor, Townsend & Kent since 1988 and Penn Mutual Life Insurance since 1975. In addition to his advisory role, he owns an insurance brokerage focused on sales and service for multiple carriers. 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 combines advisory and broker-dealer services with access to third-party asset managers and reported over $8 billion in discretionary assets under management as of 2025.