Total Financial Concepts

Total Financial Concepts Total Financial Concepts, Inc. is a wealth management firm offering excellence in integrated financial services. Trade execution orders will not be accepted.

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 appropriat

e. 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. Also, do not post any information you do not wish to be shared with others. If you have a matter requiring immediate attention, contact me at [email protected]

Registered Representative of, and Securities and Investment Advisory services offered through Hornor, Townsend & Kent, LLC., (HTK), Registered Investment Advisor, Member FINRA (www.finra.org) / SIPC (www.sipc.org). 600 Dresher Road, Horsham, PA 19044, 800-873-7637. and other listed entities are not affiliated with HTK unless otherwise noted. HTK is a wholly owned subsidiary of The Penn Mutual Life Insurance Company. HTK does not offer tax or legal advice. Always consult a qualified professional for specific information regarding your personal situation. Our representatives are insurance and securities licensed in the following states: California, Connecticut, District of Columbia, Florida, Maryland, Massachusetts, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, Virginia, Washington. This is not an offer or solicitation in any states where not properly licensed and/or registered.

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Happy Holiday's from everyone here at TTotal Financial Concepts! We hope you and your loved ones have a happy and health...
12/23/2022

Happy Holiday's from everyone here at TTotal Financial Concepts! We hope you and your loved ones have a happy and healthy New Year!

Our office will be closed the following days:
Friday, December 23rd – close at 3pm
Monday, December 26th – closed
Monday, January 2nd - closed

The probate process can be expensive for some estates. Settling an estate through probate can cost you both time and mon...
12/05/2022

The probate process can be expensive for some estates. Settling an estate through probate can cost you both time and money. It could take up to a year for the estate to be settled, plus attorney’s fees, & appraiser’s fees.



The probate process can be expensive for some estates. Settling an estate through probate can cost you both time and money. It could take up to a year for the estate to be settled, plus attorney’s fees, & appraiser’s fees.

Happy Thanksgiving from Total Financial Concepts
11/24/2022

Happy Thanksgiving from Total Financial Concepts

Thank you to all who served!
11/11/2022

Thank you to all who served!

Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation’s “stub...
11/03/2022

Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation’s “stubbornness” has been on full display in recent weeks.



Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation’s “stubbornness” has been on full display in recent weeks.

In this month’s recap: Stocks dropped as rising bond yields, and recession fears pushed investors to the sidelines. ...
10/17/2022

In this month’s recap: Stocks dropped as rising bond yields, and recession fears pushed investors to the sidelines.



In this month’s recap: Stocks dropped as rising bond yields, and recession fears pushed investors to the sidelines.

Individuals hold about $2.5 trillion in annuity contracts; a tidy sum considering an estimated $12.2 trillion is held in...
10/12/2022

Individuals hold about $2.5 trillion in annuity contracts; a tidy sum considering an estimated $12.2 trillion is held in all types of IRAs.

Annuity contracts are purchased from an insurance company. In exchange, the insurance company makes regular payments to the buyer — either immediately or at some future date. These payments can be made monthly, quarterly, annually, or in a single lump sum. Annuity contract holders can opt to receive payments for the rest of their lives or a set number of years.



What you should know about them.

You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpect...
10/05/2022

You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way.



What to focus on as the transition approaches.

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106 Apple Street Suite 204
Tinton Falls, NJ
07724

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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