Carolyn A Humphrey, RICP, WMCP, CLF

Carolyn A Humphrey, RICP, WMCP, CLF Facebook is unaffiliated with Hornor, Townsend & Kent, LLC (HTK). This material is not
intended to be a recommendation, offer or solicitation.

With the designations in Retirement Income planning, Tax Planning and Wealth Management, I help my clients keep more of their own money through money strategies that optimize their financial life and work to reach their goals.
7766521RG_Mar27 Any recommendation posted to this
page is not endorsed by, and may not represent the views of HTK nor its affiliates. Always consult a tax, legal, or financi

al
professional regarding your personal circumstances. Securities & Advisory Services offered through
HTK. Member FINRA www.finra.org / SIPC www.sipc.org. 800-873-7637, www.htk.com Empowered Financial Strategies is unaffiliated with HTK.

05/18/2026

Congratulations to all Graduates!

Graduation represents both an ending and a beginning. As you reach out and grab your diploma, you are stepping into a new world. Whatever opportunities you pursue or paths you travel, you will take what you’ve learned with you. The achievements you are celebrating now will inform the achievements of your future.

As you start your new life, be sure to get started by building a good emergency fund, pay down debt as you start to save for the future. Understand your spending and your income so you can be intentional with your cash flow.

04/24/2026

For high-net-worth families, the intersection of retirement security and lifelong care planning demands a precise, layered tax strategy — one that protects your wealth, honors your intentions, and preserves your child's eligibility for...

I am thrilled to say that I just past the final exam for the last class needed for the ChSNC® designation and specialty ...
04/14/2026

I am thrilled to say that I just past the final exam for the last class needed for the ChSNC® designation and specialty in financial planning. This designation is offered by The American College. The Chartered Special Needs Consultant gives detailed education on tax planning, government benefits, special needs trusts, disabilities in detail and all things needed as we work clients who have loved ones with a disability or special needs.

While Joanna Craney, ChFC®, ChSNC®, WMCP®will still be our go to on Special Needs planning, and I have learned much from her as we have worked together; I felt it was important to level up my knowledge here as well.

In our practice, Joanna focuses on the Special Needs for the child and I focus to Retirement Income and Tax Planning for the parents. Our clients get two advisors who partner for their benefit. Stay tuned for the designation coming next month!

04/10/2026

Often times people forget about a previous employer's plan. You can reach out to the Human Resources department of your previous employer's to obtain more information about your plan. From there, you can work with your financial advisor to see what options you have and work through which one is best for you.

For more information, email [email protected].

04/08/2026

Some states now let people with autism and other communication disabilities choose to add a symbol or note to their driver's license or state ID to alert law enforcement that the individual may communicate differently or be sensitive to sounds, lights, or touch.

04/08/2026

Stocks fell in the first quarter amid concerns that artificial intelligence (AI) could disrupt certain industries and geopolitical issues that unsettled investors.

04/01/2026

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...

03/27/2026

It's the month of women!

As we celebrate Women's History Month, we wanted to take some time to recognize and honor the contributions of some women who have broken barriers, shattered glass ceilings, and paved the way for future generations in finance.

Throughout history, women have played a pivotal role in shaping the financial services industry, leaving a permanent mark on its trajectory and evolution. Here are some significant areas where women have impacted the financial industry and paved the way for women to accumulate wealth and protect their families and futures.

Inventor of Social Security – Frances Perkins was the architect behind the Social Security Act. Serving as the Secretary of Labor under President Franklin D. Roosevelt, Perkins spearheaded the development and implementation of Social Security during the tumultuous era of the Great Depression. Motivated by her deep-rooted commitment to social justice and economic reform, Perkins was pivotal in crafting legislation providing a safety net for vulnerable individuals and families. Perkins's visionary leadership and tireless advocacy paved the way for establishing Social Security as a cornerstone of America's social welfare system, leaving an enduring legacy of compassion and resilience for generations to come.

US Stock Exchange Member - Muriel "Mickie" Siebert broke Wall Street's gender barrier in 1967 by becoming the first woman to own a seat on the New York Stock Exchange. Through her pioneering efforts, Siebert paved the way for greater gender diversity in the traditionally male-dominated world of finance.

Woman-Owned Brokerage Firm - Founding the first female-owned brokerage firm on Wall Street, Victoria Woodhull was a trailblazing advocate for women's rights and financial reform. Along with her activism, Woodhull was a successful stockbroker and entrepreneur. Her efforts to challenge gender norms and break into the male-dominated world of finance paved the way for future generations of women in the industry.

First Woman Investor - Abigail Adams, whose astute financial acumen and business savvy helped to sustain her family's finances during her husband's political career. Her correspondence with John Adams provides insights into her investment decisions, highlighting her keen understanding of economic matters and strategic financial planning.

Today, women continue to make strides in finance, from leading investment firms and hedge funds to driving innovation in fintech and financial services.

As we celebrate Women's History Month, let us honor the achievements of these remarkable women and those continuing to pave the way by fostering an inclusive and equitable financial industry where all individuals, regardless of gender, can thrive and succeed.

Well behaved women don't make history? Some do!

A day late, yes.  A dollar short, never!A day late, yes.  A dollar short, never!Giving a big shout out to all the strong...
03/09/2026

A day late, yes. A dollar short, never!

A day late, yes. A dollar short, never!
Giving a big shout out to all the strong, capable and caring women in my life.

Sunday, March 8th was International Women's Day.

International Women's Day is more than a date on the calendar—it's a reminder of the incredible impact women have every day. From leading businesses to nurturing families, creating art, driving innovation, and strengthening communities, women continue to shape our world in countless ways.

Today, let's pause to celebrate the women who inspire us, support us, and encourage us to keep moving forward.

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