Stephen N. Karp

HORNOR, TOWNSEND & KENT

Boca Raton, FL 33431

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CRD#: 4418945

Professional summary

Stephen Neal Karp is a registered financial advisor currently at HORNOR, TOWNSEND & KENT, LLC located in Boca Raton, Florida.

Stephen is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2001. Stephen has worked at 7 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1)INSURANCE BROKERAGE | INVESTMENT RELATED: YES | DBA NAME: KARP FINANCIAL STRATEGIES | POSITION HELD: AGENT | ADDRESS: 2600 NORTH MILITARY TRAIL, SUITE 420, BOCA RATON, FL 33431 | START DATE: 11/2/2008 | NATURE OF ACTIVITY: INSURANCE BROKERAGE | APPROX HRS PER MTH: 80 | APPROX TRADING HRS PER MTH: 60 | DESCRIPTION OF DUTIES: INSURANCE SALES AND SERVICE. 2)INSURANCE BROKERAGE | INVESTMENT RELATED: YES | DBA NAME: STEPHEN KARP | POSITION HELD: AGENT | ADDRESS: 2600 NORTH MILITARY TRAIL, SUITE 420, BOCA RATON, FL 33431 | START DATE: 4/1/2009 | NATURE OF ACTIVITY: INSURANCE BROKERAGE | APPROX HRS PER MTH: 80 | APPROX TRADING HRS PER MTH: 60 | DESCRIPTION OF DUTIES: INSURANCE SALES AND SERVICE . 3)CONSULTING | INVESTMENT RELATED: NO | DBA NAME: KARP SOLUTIONS, LLC, DBA KARP HR SOLUTIONS | POSITION HELD: OWNER | ADDRESS: 1427 VICTORIA ISLE DRIVE, WESTON, FL 33327 | START DATE: 10/1/2008 | NATURE OF ACTIVITY: BUSINESS CONSULTING | APPROX HRS PER MTH: 20 | APPROX TRADING HRS PER MTH: 10 | DESCRIPTION OF DUTIES: BUSINESS CONSULTING, HR STRATEGY COACHING, COMPENSATION ANALYSIS. 4)CONSULTING | INVESTMENT RELATED: NO | DBA NAME: GRAHALL | POSITION HELD: EMPLOYEE | ADDRESS: P.O. BOX 116, WABAN, MA 02468 | START DATE: 1/1/2008 | NATURE OF ACTIVITY: CONSULTING | APPROX HRS PER MTH: 0 | APPROX TRADING HRS PER MTH: 0 | DESCRIPTION OF DUTIES: HR CONSULTANT NETWORK WHERE I AM LISTED ON THEIR WEBSITE. 5)TECHNOLOGY SERVICES | INVESTMENT RELATED: NO | DBA NAME: PAYSCALE PARTNER MARKETPLACE | POSITION HELD: CHANNEL PARTNER | ADDRESS: 113 CHERRY STREET, SEATTLE, WA 98104 | START DATE: 07/01/2002 | NATURE OF ACTIVITY: TECHNOLOGY SERVICES | APPROX HRS PER MTH: 1 | APPROX TRADING HRS PER MTH: 1 | DESCRIPTION OF DUTIES: MARKET PAYSCALE HR SOLUTIONS AS PART OF KARP SOLUTIONS. 6) Q INSIGHTS STUDY | POSITION: I HAVE NO RELATIONSHIP. I WAS A PARTICIPANT IN THE STUDY. I WAS INTERVIEWED BY AN INDEPENDENT CONTRACTOR OF THE MARKET RESEARCH FIRM. MY ANSWERS WILL BE REMAINING ANONYMOUS. I WILL BE PAID FOR ONE HOUR OF MY TIME AS AN INDEPENDENT CONTRACTOR. | NATURE: I WAS INTERVIEWED BY A MARKET RESEARCH FIRM ON VIEWS ABOUT GEOGRAPHIC DIFFERENCES OF PEOPLE | INVESTMENT RELATED: NO | NUMBER OF HOURS: 1 | SECURITIES TRADING HOURS: 1 | START DATE: 08/02/2024 | ADDRESS: VIRTUAL | DESCRIPTION: I WAS INTERVIEWED ONE TIME ONLY...NEVER TO BE REPEATED. 7)AURELIUS LEGACY PARTNERS | DBA NAME: KARP FINANCIAL STRATEGIES | POSITION: JOINT WORK PARTNER WITH APPROVED SPLIT CODE | NATURE: PROVIDE INVESTMENT MANAGEMENT FOR AURELIUS PARTNER'S CLIENTS | INVESTMENT RELATED: YES | NUMBER OF HOURS: 4 | SECURITIES TRADING HOURS: 4 | START DATE: 07/24/2025 | ADDRESS: 1427 VICTORIA ISLE DRIVE, SUITE 420, BOCA RATON FL 33431 | DESCRIPTION: I WANT TO BE LISTED ON THEIR WEBSITE. I AM CONDUCTING THE INVESTMENT BUSINESS UNDER MY APPROVED SECURITIES LICENSE. THIS IS MERELY SO I CAN BE SHOWN ON THEIR WEBSITE.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stephen Neal Karp's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

CRS (Client Relationship Summary) - BD

Click below to view Stephen Neal Karp's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

CRD#: 6627

FT. LAUDERDALE, FL

Past

July 18, 2001 - December 21, 2005

M HOLDINGS SECURITIES, INC.

CRD#: 43285

PORTLAND, OR

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

HORNOR, TOWNSEND & KENT, LLC

HORNOR, TOWNSEND & KENT, INC. | PENN MUTUAL EQUITY SERVICES, INC. | HORNOR, TOWNSEND & KENT, LLC

CRD#: 4031 / SEC#: 801-56151, 8-14715

RIA

Registered Investment Advisory firm - SEC (2/25/1999 Approved)

Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Arizona
(7/11/2024)

California
(7/11/2024)

Colorado
(7/11/2024)

Florida
(7/11/2024)

IAR

Florida
(7/12/2024)

Georgia
(7/11/2024)

Illinois
(7/11/2024)

Indiana
(10/8/2025)

Kansas
(9/5/2025)

Kentucky
(3/3/2025)

Louisiana
(10/28/2025)

Maryland
(3/3/2025)

Massachusetts
(7/11/2024)

Michigan
(7/11/2024)

Minnesota
(7/11/2024)

Nevada
(6/12/2025)

New Jersey
(2/4/2025)

New York
(7/11/2024)

North Carolina
(7/22/2024)

North Dakota
(7/11/2024)

Ohio
(10/6/2025)

Oregon
(7/11/2024)

Pennsylvania
(7/11/2024)

Texas
(7/11/2024)

IAR

Texas
(7/11/2024)

Virginia
(7/11/2024)

Washington
(7/11/2024)

Wisconsin
(7/11/2024)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 2/17/2009

Uniform Combined State Law Examination

State Security Law Exam

Series 63

Date: 8/27/2001

Uniform Securities Agent State Law Examination

General Industry/Product Exam

SIE

Date: 10/1/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 1/28/2009

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

HORNOR, TOWNSEND & KENT, LLC

HORNOR, TOWNSEND & KENT, INC. | PENN MUTUAL EQUITY SERVICES, INC. | HORNOR, TOWNSEND & KENT, LLC

CRD#: 4031 / SEC#: 801-56151, 8-14715

RIA

Registered Investment Advisory firm - SEC (2/25/1999 Approved)

Broker-Dealer Firm Regulated by FINRA (Philadelphia district office)

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Contact information

Main Address

161 Washington Street Suite 1111, Conshohocken, PA 19428

Mailing Address

161 Washington Street Suite 1111, Conshohocken, PA 19428

Phone number

(215) 957-7300

Established

Delaware since 09/09/2024

Firm type

Limited Liability Company

Fiscal year end

December

Firm Size

Large

# of Employees

442

SEC notice filing (51 States and Territories)

FINRA licenses (51 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Customer Relationship Summary (CRS / FINRA)

Latest Form ADV

Part 2 Brochures

HTK ADVISORY SERVICES DISCLOSURE BROCHURE - ADV PART 2A (8/12/2025)

HTK WRAP FEE PROGRAM BROCHURE - PART 2A APPENDIX (8/12/2025)

Direct owners and executive officers

Name	Position	CRD#
1847 FINANCIAL LLC	SHAREHOLDER
GUNZENHAUSER, RADFORD MICHAEL	FINOP	7253452
HUCKERBY, KEITH GORDON	MANAGER	2641591
MASON, ANN-MARIE	CHIEF LEGAL OFFICER AND SECRETARY	7145020
MULLER, NIKI LEE	PRINCIPAL OPERATIONS OFFICER	7364066
NAGENGAST, HEATHER JILL	PRESIDENT, MANAGER	5300554
O'MALLEY, DAVID MICHAEL	CHAIRMAN AND MANAGER	4468593
ROBINSON, VICTORIA MARIE	CHIEF COMPLIANCE OFFICER, MANAGER	4556827
WYANT, JUSTIN	MANAGER	8146157

Regulatory assets under management

Total Number of Accounts	31,522
AUM (Assets Under Management)	$ 7,753,847,039

Disclosures

Regulatory Event	11
Arbitration	6

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Stephen N. Karp

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Stephen Neal Karp's CRS (Customer Relationship Summary).

CRS (Client Relationship Summary) - BD

Click below to view Stephen Neal Karp's CRS (Customer Relationship Summary).

Certified licenses

Experience

HORNOR, TOWNSEND & KENT, LLC

OSAIC WEALTH, INC.

OSAIC WEALTH, INC.

OSAIC SERVICES, INC.

OSAIC SERVICES, INC.

MML INVESTORS SERVICES, LLC

MML INVESTORS SERVICES, LLC

MSI FINANCIAL SERVICES, INC.

MSI FINANCIAL SERVICES, INC.

EQUITABLE ADVISORS, LLC

EQUITABLE ADVISORS, LLC

M HOLDINGS SECURITIES, INC.

Primary Firm SEC Registration

HORNOR, TOWNSEND & KENT, LLC

State Registrations and Notice Filings

Exams

Series 66

Date: 2/17/2009

Series 63

Date: 8/27/2001

SIE

Date: 10/1/2018

Series 7

Date: 1/28/2009

FINRA

Current Firm

HORNOR, TOWNSEND & KENT, LLC

Contact information

SEC notice filing (51 States and Territories)

FINRA licenses (51 States and Territories)

Documents

Part 2 Brochures

Direct owners and executive officers

Regulatory assets under management

Disclosures

Red Flags

Company Information

HORNOR, TOWNSEND & KENT, LLC

TRUST BUT VERIFY

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