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.

Cora Nucilli is a Series 66-licensed financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones, she worked in healthcare-related positions at St. Charles Health System and Davis Medical Center. Outside of her advising role, she has volunteered as a lifeguard at a local Elks Lodge. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, including discretionary and non-discretionary strategies, with a focus on comprehensive services supported by a large network of financial advisors and branches.

Rebecca Schoonover is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Cetera and its affiliated entities since 2012. Schoonover serves on the board of directors for Mountain Memories Assisted Living and Retirement. Cetera Investment Advisers LLC is an SEC-registered advisor that supports a nationwide network of over 10,000 independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Christopher Fry is a CFP® with 31 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1997. Outside of his advisory work, he volunteers as a ski patroller at Canaan Valley Ski Resort and plays guitar as a musician. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a nationwide network of financial advisors and branch offices.

Brian Elliott is a financial advisor with Ameriprise in Elkins, WV, holding a Series 66 designation and 18 years of industry experience. Prior to joining Ameriprise in 2025, he worked at Edward Jones from 2007 to 2025. He is also the owner of Elliott Financial Services LLC, through which he manages his Ameriprise business. Ameriprise offers retirement-income planning services focused on individuals with substantial investable assets, using a centralized consulting team to provide non-discretionary, research-driven recommendations. The firm combines modeling and tax-efficiency analysis to support retirement income strategies and delivers tailored reports primarily for clients with Ameriprise-managed accounts.

Kenneth George Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His prior roles include positions at VOYA Financial Advisors and Allegheny Ins/Davis Care. Outside of his advisory work, he serves on the boards of the Elkins/Randolph Co YMCA and Davis Trust Company, and assists as an assistant middle school basketball coach. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, as well as institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Robert Cowgill is a financial advisor at Edward Jones in Elkins, WV, holding Series 63 and Series 65 licenses with 22 years of industry experience. He has worked at Edward Jones since 2014 and has concurrent roles with ING Financial Partners, Inc. and Allegheny Insurance dating back to 2011. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Desirae Kramer is a financial advisor with Edward Jones in Elkins, WV, holding Series 66 and Series 63 credentials and six years of industry experience. Her prior experience includes roles at NISR, Beachbody, YMCA, and The Huntington Investment Company. Outside of her advisory work, she has been involved in wellness coaching with Beachbody and serves as a fitness instructor for the YMCA. She is also a board member of Women's Aid in Crisis in Elkins, WV. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.