Lebanon, NJ Office

Timothy Hyland is a CFP® with 25 years of industry experience, currently affiliated with Hornor, Townsend & Kent, LLC. He has worked at Penn Mutual and Hornor, Townsend & Kent since 2002. Outside of his advisory role, he is the proprietor of Stone Hill Financial LLC, a multi-line insurance business involved in employee benefits and insurance sales. Hornor, Townsend & Kent serves individuals, trusts, businesses, charities, and retirement plans through a broad network of advisers, offering advisory programs, financial planning, and retirement consulting. The firm operates both advisory and broker-dealer services, managing substantial assets under management through third-party asset manager relationships and providing tailored investment solutions.

Dennis Gunn is a CFP® with 41 years of industry experience, currently serving at Hornor, Townsend & Kent, LLC. He has been with the firm and its affiliate Penn Mutual Life Insurance Company since 2010. Outside of his advisory role, he is actively involved in life insurance brokerage through Primary Financial and Stone Hill Financial, focusing on life insurance, annuities, disability, and pension plan investments. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory programs and financial planning services. The firm offers both advisory and broker-dealer capabilities, managing approximately $8.37 billion in discretionary assets under management as of December 31, 2025.

Christopher Nichols is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 66 designation and 22 years of industry experience. He has been with Hornor, Townsend & Kent in various capacities since 2006 and concurrently works with Penn Mutual Life Insurance since 2018. Nichols is also involved in insurance brokerage through several entities, including roles as an agent and proprietor in multi-line and life insurance sales. Hornor, Townsend & Kent serves a broad client base including individuals, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting, combining advisory and broker-dealer services with third-party asset manager relationships and a dual registration as an SEC-registered adviser and FINRA-member broker-dealer.

Christopher Tarnowski is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and having seven years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2019. Outside of advising, Tarnowski is the owner and president of WT Music & Son LLC, a company specializing in the rental, sale, and repair of brass, woodwind, and stringed instruments. 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 provides both advisory and broker-dealer services, including custody and execution, with a platform that incorporates third-party asset manager relationships and a combination of discretionary and non-discretionary account options.