Hornor, Townsend & Kent, LLC

Hornor, Townsend & Kent, LLC (HTK) is a registered investment adviser with the U.S. Securities and Exchange Commission, established on February 25, 1999. HTK specializes in providing investment advisory services to individuals, high net worth individuals, trusts, businesses, and charitable organizations, including retirement assets. As a fiduciary, HTK is committed to acting in the best interest of clients, providing services such as financial planning, retirement plan consulting, and third-party asset manager programs. Clients have the option to impose reasonable restrictions on their accounts and communicate their investment goals and risk tolerance. HTK offers various investment strategies, including asset allocation, diversification, dollar-cost averaging, fundamental and technical analysis, and concentrated investment strategies. The firm does not engage in performance-based fees and does not have discretionary investment authority. HTK has a Code of Ethics and adheres to high ethical standards. The firm does not have custody of client funds or securities, and clients receive statements from the custodian. HTK does not vote on client securities and does not require prepayment exceeding $1,200 in fees per client six months in advance. The firm has not faced bankruptcy in the past ten years and maintains a sound financial condition. For more detailed information, clients can refer to the firm's Form ADV Part 2A brochure.