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Securities and Investment Advisory Services offered exclusively through Registered Representatives of Hornor, Townsend & Kent, Inc. (HTK). Registered Investment Advisor, Member FINRA/SIPC. 110 Fieldcrest Avenue, Suite 21, Edison, NJ 08837. (732) 225-0777. HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. Total Financial Concepts, Inc. is not affiliated with HTK. HTK does not offer tax or legal advice. It is important to consult a qualified professional for specific information regarding your personal situation. Our representatives are insurance and securities licensed in their resident state of NJ. Please contact our office for specific state registration and licensing information. This is not an offer or solicitation in any states where not properly licensed and/or registered. 1888529RM-Oct20