Voras Haynes Jr. is a CFP® with 40 years of industry experience, currently serving at Westminster Financial Advisory Corp. He has worked with Westminster Financial Securities, Inc. for 27 years, Innovative Insurance & Investments for 35 years, and Helmick & Associates Inc. for 40 years. Outside of his advisory roles, he is a part-owner of businesses involved in managing real estate and operating an ice cream truck. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to a diverse client base including individuals, families, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach combined with tactical overlays and uses a primarily buy-and-hold framework, offering comprehensive advice alongside portfolio management.

Clifford Marstiller is a CFP® with 41 years of experience in the financial services industry. He has worked at Westminster Financial Securities, Inc. since 1999 and operates Innovative Insurance & Investments, which he founded in 1991. Outside of advisory work, he serves as a FINRA dispute resolution arbitrator and is a partial owner of a company that manages rental real estate. Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals, families, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm employs a strategic asset allocation approach with tactical overlay, primarily using a buy-and-hold framework complemented by periodic rebalancing and option strategies.