Jay Tyner
President

As president and founder of Semmax Financial Advisors, Inc., Jay brings over 19 years of financial experience to his clients. As an investment adviser representative for Semmax Financial Advisors, Inc., he holds his FINRA Series 65. During the early 90s, he held his mortgage brokerage license in North
Carolina and Pennsylvania. In 1998, Jay narrowed his focus to working with clients in the area of investments, benefits, retirement, and estate planning techniques. Some of the areas where he supports his clients include:

• Creating wealth transfer strategies - children/grandchildren gift trusts
• Coordinating charitable gifting/funding
  
• Maximizing investment yield with minimum risk
  
• ROTH and IRA to ROTH Conversions
  
• Ensuring safety of assets by utilizing Guaranteed Return Equity Indexed accounts
  
• Avoiding probate
  
• Protecting life savings from catastrophic illness (i.e., nursing home spend down)
  
• Reducing taxes: Income - SS - Capital Gains - IRA ....:Inheritance - Gift
  
• Structuring estate planning & legal documents

He orchestrates his efforts in concert with other professionals (attorneys, CPAs, bank officers, and investment managers) to pursue the most outstanding planning techniques available. In 2002, Jay was recognized as being in the top-10 nationally with
Legacy Marketing Group, regarding asset protection for seniors, through the sale and use of insurance products. Jay is licensed in over 19 states in the insurance industry. He has given over 400 financial educational seminars nationwide. Jay has also served
as trustee on the Board of Directors for Siloam Missionary Homes in Snow Camp, N.C.

Jay and his wife Robin have been married for 26 years. They are the proud parents of three children: Kristen, 20; Candace, 18; and John, 17. Jay's mother and father (retired missionaries to Africa and Europe) live on the same farm with Jay and his family
in Winston-Salem, N.C. Robin's parents reside in Indianapolis, where they have worked with Bearing Precious Seed Ministries for over 17 years.

Ron O. Smith
Vice President

Ron Smith earned his associate degree in Business Administration from Jefferson College in Greensboro, N.C. and his Doctorate of Divinity from Tabernacle Baptist College in Greenville, Sc. Ron is a member of the National Society of Certified Senior Advisors. Ron served in the U.S. Marine
Corps from 1953 to 1956 and was honorably discharged.

Ron brings over 51 years experience in the business and financial fields to his clients. He was first licensed in the State of North Carolina in the insurance industry in 1957 with Skyline Life. He has maintained an active insurance license in North Carolina since 1994. In 1964, he entered the ministry as senior pastor of Faith Baptist Church and led them through several million dollar building campaigns. In the early 90s, Ron joined Jay in the banking industry as executive vice president. Ron and Jay have worked together for the last 16 years. Ron currently serves as vice president of Semmax Financial Advisors, Inc. Ron has lectured nationally on financial topics, giving over 200 financial workshops.

Ron and his wife Dorothy have been married for 50 years. They are proud parents of three daughters, Debbie, Stephanie, and Leslie. Ron and Dorothy also have four wonderful grandchildren, Heather, Aaron, Seth, and Aziam, and two great grandchildren,
Nathan and Marissa.

Advisory services offered through Semmax Financial Advisors, Inc., a Registered Investment Advisory firm. Insurance products and services offered through Semmax, Inc.