Graduated from Montclair University, Upper Montclair, NJ in 1979 with a degree in Economics and minor in Public Administration. Commissioned Officer in the US Marine Corps as a Supply, Logistic and Combat Engineer Officer. Graduate of The American College in February 2001 with a Chartered Life Underwriter (CLU) designation. Past President of the National Association of Life Underwriters (NALU) 1997-1999. Now known as National Association of Life and Financial Services Advisors (NAIFA). I have been in the insurance and financial services industry for 33 years. During that period I have had several roles including Developmental Manager, Development and Training Director, Sales Manager, Compliance and Training Director and Maryland Sales Director. I started a Nationwide Insurance Agency in 2005 before opening AE&A Insurance Group in 2012 as an Independent Agent/Broker to give our clients greater options. I have six wonderful grandkids (ages 3-10) whom I truly love and cherish and a wonderful wife of 40 years. I am an avid sailor, still enjoy skiing, and am actively involved with our Church. Our agency Mission/Statement: Our mission is to help our clients protect their assets through our agency built upon a foundation of shared values, quality service and client relationships. We will strive to provide superior customer service using a consultative approach based on mutual trust and integrity!