Clifford Fowler is a Personal Financial Specialist (PFS™) with 16 years of experience at Life Advisors Financial Planning and Wealth Management, LLC. He is also a certified public accountant and managing partner at Fowler Durham CPAs & Advisors, PLLC, where he has been involved since 2002, currently serving in a part-time administrative capacity. Additionally, he manages Green River Accounting & Tax Solutions, a tax preparation firm. Life Advisors Financial Planning and Wealth Management is a small, two-advisor supported firm serving individuals, qualified retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm employs a buy-and-hold investment approach grounded in Modern Portfolio Theory, focusing on strategic asset allocation with portfolios primarily composed of low-cost mutual funds and active ETFs.

Synthia Durham is a financial advisor at Life Advisors Financial Planning and Wealth Management, LLC with 17 years of industry experience. She holds the PFS™ and Series 65 credentials and has worked in accounting and financial planning since 2002. In addition to her advisory role, she manages Hart County Hardwoods, a manufacturing business where she serves as an accountant. Life Advisors Financial Planning and Wealth Management is a small firm serving individuals, retirement plans, trusts, charitable organizations, corporations, and small businesses. The firm employs a buy-and-hold investment approach based on Modern Portfolio Theory, utilizing primarily low-cost mutual funds and active ETFs, with portfolios documented by written investment policies and regularly reviewed.