Westminster Financial Advisory Corp

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.