*Registered Representative of, and Securities and Investment Advisory Services Offered through Hornor, Townsend & Kent, Inc. (HTK) Registered Investment Advisor, Member FINRA/SIPC.  105 Fieldcrest Avenue, 5C, Edison, NJ 08837, (732) 225-0777.  HTK does not provide tax advice.  Please consult a qualified tax advisor regarding your individual circumstances.  Total Financial Concepts, Inc. is independent of HTK.

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