Poquoson, VA Office

Gregory Earwood is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc since 2009. Outside of his advisory role, he teaches courses at ECPI College of Technology and serves as a church steward at Liberty Baptist Church, where he participates in budget review and approval. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans with advisory services primarily delivered through third-party asset manager platforms. The firm emphasizes client-directed investment implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Christopher Cruz is a financial advisor at Hornor, Townsend & Kent, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2009. Outside of his advisory role, Cruz is an agent for a life insurance brokerage and serves as CFO of Cruz Associates, Inc. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset managers and focusing on client-directed implementation and oversight rather than discretionary trading.

Timothy Kroskey is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at Penn Mutual Life Insurance Company and Hornor, Townsend & Kent Inc since 2010. Outside of his advisory work, Kroskey serves as president of the board of directors for the Colonial Shag Club, a nonprofit organization. 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, combining custody, execution, and brokerage capabilities with investment advice.

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 worked at Hornor Townsend & Kent since 2016 and is also associated with Penn Mutual Life Insurance Company. Outside of his advisory role, he is an insurance agent involved in multi-line insurance brokerage with various carriers, including Penn Mutual. 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 operates as both an SEC-registered adviser and a FINRA-member broker-dealer, combining custody, execution, brokerage capabilities, and a third-party asset manager platform with discretionary and non-discretionary account options.