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Registered Representative of and securities and investment advisory services offered through Hornor, Townsend, & Kent, LLC (HTK). Registered Investment Advisor, Member FINRA/SIPC. HTK is a wholly owned subsidiary of the Penn Mutual Life Insurance Company and does not offer tax or legal advice. 3 Lagoon Drive, Suite 280 Redwood Shores, CA 94065 650-591-9000. Holtz Insurance is not affiliated with HTK. CA Insurance License # 0533942. Email: Sholtz@HTK.com www..finra.orgwww.spic.org/ www.brokercheck.finra.org