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.

Dennis Gunn is a CFP® with 40 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2010. In addition to his advisory role, he is active in life insurance and annuity sales through his work with Primary Financial and Stone Hill Financial. 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.

Christopher Nichols is a financial advisor at Hornor, Townsend & Kent, LLC with 22 years of industry experience. He holds a Series 66 designation and has worked at Hornor, Townsend & Kent since 2006 and at Penn Mutual Life Insurance since 2018. Nichols also operates Nichols Financial Planning, a life insurance brokerage, in addition to his advisory role. 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.

Christopher Tarnowski is a financial advisor at Hornor, Townsend & Kent, LLC with seven years of industry experience. He holds the Series 63 and Series 65 licenses and has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2019. In addition to his advisory role, Tarnowski is the proprietor of WT Music & Son LLC, a company that rents, sells, and repairs brass, woodwind, and stringed instruments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm combines investment advice with brokerage and custody services, managing a large asset base through a mix of discretionary and non-discretionary account options.