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Investment Services

Total Financial Concepts, Inc.,advisors are full service providers of:

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*, 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, 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, including analyses of objectives, current situation, funding of solutions, and consultation with attorneys and accountants.

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.