Fort Lauderdale, Florida · 18+ years of experience
The financial landscape is complex, from investing to estate planning. We build planning around your goals and translate the choices into clear, actionable steps.
Advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Member FINRA/SIPC.
01 · What we do
Each engagement targets a defined outcome, measured against a written plan.
Investing, budgeting, debt, and estate planning brought into one strategy.
A financial plan you can act on, measured by a strategy mapped to your risk tolerance and long-term goals, built by combining investment planning, budgeting, and estate coordination in a single review.
FERS options, benefits, and retirement paperwork for federal employees.
Federal retirement paperwork prepared correctly, measured by a complete, submitted retirement package, built by translating complicated federal benefit options into clear, step-by-step filing.
Succession planning, key-person coverage, and owner retirement.
A business that can run without you, measured by a written succession and exit plan, built by structuring buy-sell agreement strategies, key-person insurance, and a funded owner-retirement track.
02 · Why LCF
For over a decade, we have helped federal employees, business owners, and families understand their options and act on them with confidence.
03 · Common questions
A fiduciary is legally required to act in a client's best interest. Troy Barrow acts in a fiduciary capacity when providing investment advisory services through Hornor, Townsend & Kent, LLC (HTK).
Insurance products are offered separately through Life Capitalized Financial where appropriately licensed. A best-interest standard applies to those recommendations rather than a fiduciary standard.
We build tax-aware strategies as part of our comprehensive and modular planning, considering how investment decisions, income strategies, and estate plans interact with taxes.
We coordinate with your CPA and estate attorney. We do not provide tax or legal advice, and HTK does not offer those services, so we plan around their implications rather than replace them.
Yes. Clients can meet with our Fort Lauderdale advisors virtually or in person, depending on preference, ensuring flexibility and ongoing access to your advisory team.
Most people wait for a crisis to hire an advisor. A better sign is complexity: multiple accounts, a big decision coming up, or income growing faster than your plan.
If nobody has reviewed your full financial picture at once, it is a good time to start. Reach out and we will help you see where you stand.
04 · Disclosure
All investing is subject to risk, including the possible loss of the money you invest. No strategy assures a profit or protects against loss. The material on this site is for general educational purposes and is not a recommendation, offer, or solicitation.