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Securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC, 600 Dresher Road, Horsham, PA 19044. 800-225-7637, www.htk.com.   Cornerstone is not affiliated with HTK. HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation. 5444542SR_FEB25

Michael S. Ross is insurance licensed in the resident state of: Massachusetts as well as: CT, FL, HI, MD, ME, NC, NH, NJ, NY, OH, OR, PA, RI, TX, VA, VT and WA.  Michael S. Ross is securities licensed in the resident state of: Massachusetts as well as: CA, CO, CT, DE, FL, GA, HI, ME, MD, MN, NV, NH, NY, NC, OH, OR, PA, RI, VT and VA. This is not an offer or solicitation in any state where not properly licensed or registered. For registration or licensing information, please contact me at my office: (781) 229-0777 x202

**The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria:

1)Credentialed as an investment advisory representative (IAR) or a registered investment advisor;
2) Actively employed as a credentialed professional in the financial services industry for a minimum of five years;
3) Favorable regulatory and complaint history review;
4) Fulfilled their firm review based on internal firm standards;
5) Accepting new clients;
6) One-year client retention rate;
7) Five-year client retention rate;
8) Non-institutionalized discretionary and/or non-discretionary client assets administered;
9) Number of client households served;
10) Educational and professional designations.

Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may opt to purchase additional profile ad space or related award promotional products. The award methodology does not evaluate the quality of services provided. The award is not indicative of the award winner’s future performance. 1,707 wealth managers were considered for the award; 655 or 39 percent of the award candidates were named Five Star Wealth Managers. To qualify as having a favorable regulatory and complaint history for this award, the person cannot have (1) been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine, (2) had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, (3) individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, (4) filed for bankruptcy, or (5) been convicted of a felony.

  For more information on the FIVE STAR Award and the research/selection methodology, go to: Five Star Professional