The views expressed within this site are the views of the poster alone and do not necessarily reflect the views of Penn Mutual or HTK unless otherwise stated. Information provided is for educational purposes only and shouldn’t be viewed as a recommendation to buy or sell any particular financial product or service. Depending on your individual situation, discussions presented may not be appropriate. Investing involves risk, including loss of value. Insurance and other financial products and services may be subject to certain terms, conditions and costs not identified within the enclosed material. Any strategies represented are not guarantees of future performance or success, and may not be appropriate for your situation. Trade execution orders will not be accepted. Also, do not post any information you do not wish to be shared with others. If you have a matter requiring immediate attention, contact me at rtuzzo@totalfinancialconcepts.com Registered Representative of, and Securities and Investment Advisory services offered through Hornor, Townsend & Kent, LLC., (HTK), Registered Investment Advisor, Member FINRA (www.finra.org) / SIPC (www.sipc.org). 600 Dresher Road, Horsham, PA 19044, 800-873-7637. Total Financial Concepts, Inc. and other listed entities are not affiliated with HTK unless otherwise noted. HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. HTK does not offer tax or legal advice. Always consult a qualified professional for specific information regarding your personal situation. Our representatives are insurance and securities licensed in the following states: California, Connecticut, District of Columbia, Florida, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, Virginia, Washington. This is not an offer or solicitation in any states where not properly licensed and/or registered. 4544025RLB_Mar24