Services
Investment Services
Total Financial Concepts, Inc. is dedicated to offering clients excellence in integrated financial services. Understanding our client's goals and objectives, and helping meet their unique needs is our number one priority. We use a discovery process that is designed to lead to sound financial strategies through alliances formed with providers of financial products and services. We specialize in the areas of Protection, Wealth Accumulation, Retirement Planning, Estate Conservation, Business Planning, and Asset Management.

Investment Products
offered through Hornor, Townsend and Kent, Inc. including Stocks, Bonds, Mutual funds, Pension and Profit-sharing plans, Individual Retirement accounts, 401 (k) plans, Certificates of Deposit, Treasuries and unit investment trusts. Our clearing firm is Pershing, which also offers clients a cash management account.

Asset Management
Asset Management is one of the keys to the overall success of any financial plan. Through the HTK Unified Managed Account, we design individualized asset allocation models. This is a fee-based program, so our compensation is not tied to frequent or numerous trades, but rather to helping you achieve your goals.

Retirement Planning
Retirement Planning, whether for highly compensated employees or business owners is more important now than ever. With advances in medical technology, it is likely that the average person will spend almost as much time retired as he or she did working. Clearly this requires sufficient income, which may not come from Social Security.

Estate conservation
Estate Conservation, including analyses of objectives, current situation, funding of solutions, and consultation with attorneys and accountants.

Business Planning
Business Planning, including business succession planning, buy-sell planning, and discriminatory and non-discriminatory employee incentive programs.
Whole Life, Term Life, Annuities, Universal Life Insurance & More

Insurance Products
Including whole life, term life, universal life, variable universal life, second-to-die life, disability income, overhead expense, long term care, immediate annuities, deferred annuities, both fixed and variable. Group health,life,disability and long term care (variable products are offered through HTK).

Financial Planning
Based on a thorough review of each client’s current situation, risk tolerance, objectives, and resources.