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Registered Representative of, and Securities and Investment Advisory services offered through Hornor, Townsend & Kent, LLC (HTK). Registered Investment Advisor, Member FINRA/SIPC. 600 Dresher Rd., Horsham, PA 19044, USA. 800-873-7637, www.htk.com. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company. and other listed entities are unaffiliated with Hornor, Townsend & Kent, LLC. The views expressed are those of the presenting party and may not necessarily represent those of HTK or its affiliates. We are insurance and securities licensed in our resident state of CA. as well as other States. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.

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Cliff Duester and Joseph Guevara are insurance and securities licensed in the state of California (CA) for securities only. This is not an offer or solicitation in any state where not properly licensed and/or registered.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

CA Insurance License #0G45004 and #0D91204

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