Custom Asset Management Plans*

Life's a journey....We have the directions!

lady with paper child with apple old couple

graduation picture TFC.jpg wedding couple

office meeting windmil with guy grandparents with child

Total Financial Concepts, Inc.

Certified Financial Planner, Estate Planning, Education Funding & More


Total Financial Concepts is an financial services company. We provide numerous financial investment services including investments*, long term care insurance, life insurance planning, retirement financial services and more.

Useful Resources:

We serve the following States, Cities, Zip Codes and Counties:

New Jersey (NJ), New York (NY), Pennsylvania (PA), Connecticut (CT)

*Securities and Investment Advisory Services Exclusively Offered through Hornor, Townsend & Kent, Inc. (HTK) Registered Investment Advisor, Member FINRA/SIPC


Our representatives are insurance and securitites licensed in our resident state of NJ as well as the following states CT,FL,MA,NY,PA.

For additional licensing information please contact Robert J Tuzzo at 732-225-7404

Not an offer or solicitation in any states not properly licensed and/or registered.








Total Financial Concepts, Inc. is independent of HTK

© 2005 Total Financial Concepts, Inc. All rights reserved.