Maybe you’re:
Navigating a major life transition—like divorce or a career shift
Carrying high income and high debt (student loans, lifestyle, or both)
Making big financial decisions without a clear, cohesive strategy
Wondering if you’re doing the right things—or just the obvious ones
Feeling like your money isn’t actually supporting the life you want
No one taught you how to connect all the pieces.
You want to feel confident, clear, and in control. Instead, you feel uncertain, behind, or like you should have this figured out by now. And the truth is, it’s not about how much you earn. It’s about how everything works together.

Through the Wealth by Design Method, we align every part of your financial life—so your money finally supports the life you actually want to live. No more guessing. No more piecing together advice from different places. No more silent stress about whether you’re “doing it right.”
Instead, we help you:
Get clear on what you truly want your life to look like
Build a financial foundation that supports it
Make confident, strategic decisions with your money
Create a plan that grows with you, not against you
This isn’t just financial planning.
It’s a structured, judgment-free process designed to help you feel clear, confident, and fully aligned with your future.

Together, we define what you actually want your life to look like—your priorities, your values, and what you’re working toward. We create a spending plan that reflects those goals, so your income, lifestyle, and future are all working in the same direction.
Whether it’s a high-yield savings account or a taxable brokerage account we structure your cash so it’s strategically positioned, easily accessible, and fully aligned with your goals
and lifestyle.
We bring everything into alignment through strategies like IRAs, Roth conversions, donor advised funds, and executive compensation planning—so your wealth can grow efficiently, intentionally, and in sync with the rest of your financial life.
True alignment comes from security, not just growth. We help you put the right protections in place, disability insurance, long-term care, and estate planning, so your income, assets, and legacy are protected, integrated, and built to last.
How to confidently manage and master your cash flow
Strategies to make smarter, more tax-efficient financial decisions
Ways to protect and preserve the wealth you’re building



Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 800-873-7637, www.htk.com. Any other listed entities are unaffiliated with Hornor, Townsend & Kent, LLC. The views expressed are those of the presenting party and may not necessarily represent those of HTK or its affiliates. The material is not intended to be a recommendation, offer or solicitation. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal situation and a qualified legal professional for your personal estate. Wealth by Design is not affiliated with Horner, Townsend, & Kent, LLC.
We are insurance and securities licensed in our resident state of PA, as well as other states. Please contact us for additional listing of licensed states. This is not an offer or solicitation in any state where not properly licensed or registered.
Our representatives are licensed to offer insurance and security products in our resident state(s) of Arizona, in addition to other states. For additional licensing information please contact our office. This is not an offer or solicitation of products and/or services in states where not properly licensed and/or registered.
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