Poquoson, VA Office

Gregory Earwood is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2009 and also instructs classes at ECPI College of Technology. Additionally, he serves as a church steward for Liberty Baptist Church, participating in budget review and approval. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory programs, financial planning, and retirement plan consulting. The firm’s platform includes third-party asset manager relationships and offers both discretionary and non-discretionary account options.

Christopher Cruz is a financial advisor with Hornor, Townsend & Kent, LLC and holds the Series 63 and Series 65 designations. He has 30 years of industry experience and has also worked with Penn Mutual Life Insurance Company since 2009. Outside of advising, Cruz serves as an insurance agent for multiple carriers through Vector27 Financial Group and acts as CFO of Cruz Associates, Inc., a service industry business. 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 as an SEC-registered advisor and broker-dealer, managing over $8 billion in discretionary assets while providing tailored investment strategies through a combination of in-house advice and third-party asset managers.

Timothy Kroskey is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been affiliated with Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc since 2010. Outside of his advisory role, he serves as president of the board of directors for the Colonial Shag Club, a charitable organization. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, managing billions in assets while providing customized investment strategies through third-party asset manager relationships.

Tyler Cruz is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Hornor, Townsend & Kent and Penn Mutual Life Insurance Company since 2016. Outside of his advisory role, he is an agent at Vector27 Financial Group, where he focuses on multi-line insurance brokerage. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting. The firm operates both advisory and broker-dealer services, managing over $8 billion in discretionary assets as of 2025, and provides various account options and third-party asset manager relationships.