Thomas Montoya is a financial advisor at Hornor, Townsend & Kent, LLC with a Series 66 designation and one year of industry experience. Prior to joining HTK, he held roles at California Baptist University and Integrated Financial Benefits, among other positions. Outside of financial services, he has experience in the food service industry, including work at Chaam Eatery and Country Waffles. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm offers a combination of advisory and broker-dealer services, working with third-party asset managers and providing both discretionary and non-discretionary account options.

Jeffrey Orth is a financial advisor at Hornor, Townsend & Kent, LLC with 27 years of industry experience. He holds the ChFC® designation and the Series 63 license. Orth has been affiliated with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent since 1998. Outside of his advisory role, he is the proprietor of an insurance brokerage specializing in multi-line insurance products and serves as a board member of Gavilan College and a director of the Gilroy Downtown Business Association. 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 under management through third-party asset manager relationships.