Elkins, WV Office
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Westminster Financial Advisory Corp
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About
Westminster Financial Advisory Corporation provides investment supervisory services and financial planning to individuals and families, trusts, estates, fiduciaries, charitable organizations, small businesses, and retirement plans. The firm engages prospective clients through a pre-advisory consultation and offers comprehensive advice that can include retirement planning, insurance reviews, and 401(k) recommendations alongside portfolio management.
The firm’s investment approach centers on strategic asset allocation across multiple asset classes with tactical overlays informed by cyclical economic, interest rate, and market analysis. It primarily employs a buy-and-hold framework with periodic rebalancing, discretionary trading authority, and occasional use of option strategies such as covered calls and cash- or naked-put positions to enhance or hedge portfolios.
Westminster is part of a broader Westminster Financial Companies group and discloses affiliated broker-dealer and insurance activities: it uses Westminster Financial Securities, Inc. for brokerage and Westminster Financial Agencies, Inc. for insurance, and some investment adviser representatives are also registered representatives who may receive commissions or trailing compensation. The firm also maintains a contractual arrangement with a major clearing custodian that includes upfront and ongoing payments and potential termination fees, which the brochure identifies as creating incentives to maintain custody and certain product holdings.
Based on Westminster Financial Advisory Corp
Expertise
Based on Westminster Financial Advisory Corp
Occupation focus
Based on Westminster Financial Advisory Corp
Demographic focus
Based on Westminster Financial Advisory Corp
Location
102 South Randolph Ave
Elkins WV 26241
Advisors at this office
2
Advisors at this office
Voras H
CFP®, Series 63
Elkins, WV
Westminster Financial Advisory Corp
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 M
CFP®, Series 63
Elkins, WV
Westminster Financial Advisory Corp
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.
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