The views expressed within this site are the views of the poster alone and do not necessarily reflect the views of Penn Mutual or HTK unless otherwise stated. Information provided is for educational purposes only and shouldn’t be viewed as a recommendation to buy or sell any particular financial product or service. Depending on your individual situation, discussions presented may not be appropriate.Investing involves risk, including loss of value. Insurance and other financial products… Show more The views expressed within this site are the views of the poster alone and do not necessarily reflect the views of Penn Mutual or HTK unless otherwise stated. Information provided is for educational purposes only and shouldn’t be viewed as a recommendation to buy or sell any particular financial product or service. Depending on your individual situation, discussions presented may not be appropriate.Investing involves risk, including loss of value. Insurance and other financial products and services may be subject to certain terms, conditions and costs not identified within the enclosed material. Any strategies represented are not guarantees of future performance or success, and may not be appropriate for your situation. Trade execution orders will not be accepted. Also, do notpost any information you do not wish to be shared with others. If you have a matter requiring immediate attention, contact me at epyles@htk.com. Registered Representative of, and Securities and investment Advisory services offered through Hornor, Townsend & Kent, LLC. (HTK), Registered Investment Adviser, Member FINRA (www.finra.org)/SIPC (www.sipc.org). 6440 Wasatch Blvd, Suite 150 Salt Lake City, UT 84121 801-424-0020. Cambridge Financial Services and Cambridge Insurance Services and other listed entities are independent of HTK unless otherwise noted. HTK is a wholly owned subsidiary of Penn Mutual. HTK does not offer tax or legal advice. Our representatives are insurance and securities licensed in the following states: Arizona, California, Colorado, Idaho, Minnesota, Missouri, New Mexico, Ohio, Oregon, Texas, Utah, and Washington, with insurance only in Montana. This is not an offer or solicitation in any state. California license number 0E08966 Show less