Qualifications:

Helping businesses and individuals find solutions to protect and preserve assets
in a logical, timely and cost effective manner. Problem solver. Consultant.
Interested in partnering/ working with Financial Planners, CPA Firms, Insurance
Agencies, Law Firms, Physician Groups, Engineering Firms, Consulting Firms, Busi
nesses,Individuals and Others to provide the Long-Term Care Insurance component
for their long-term planning/goals. Other opportunities where my experience and
expertise would be of value.
Chartered Property Casualty Underwriter (CPCU), with over 25 years of experience
in the following areas of insurance: property & casualty, products and professi
onal liability, marine, directors and officers, contract bonding, workersa compe
nsation, self-insurance, retrospective rating (plan D), deductible approaches, f
ronting, captives and personal lines.
15 yearsa experience in business and personal benefits insurance, including lif
e, long-term care, and worksite supplemental benefits programs.
Securities Licenses 6, 7, 63 and 65 (currently inactive).
State Licenses: Property & Casualty, Life & Health, and Variable Products for Oh
io, Michigan, Indiana and Kentucky.
Consulting experience in risk management, policy analysis and disputed claims se
ttlements for business and individual clients.
Experience in senior market insurance products, including long-term care insuran
ce (business and individual market).

Work Experience:
2004a"Present. Account Director, Supplemental Employee Benefits and Long-Term-Ca
re Insurance, NWGS Companies, Maumee, OH.
Consult with businesses to provide worksite supplemental employee benefits (empl
oyee paid and employer sponsored). Work with companies to provide benefits educa
tion and enrollment services. .
2000a"Present. President, Worksite Supplemental Benefits, LLC, Toledo, OH.
Independent broker for John Hancock: market, sell and service long-term care ins
urance for individuals and corporate programs. Independent broker for John Hanco
ck: life insurance.
1997 a" 2000. Registered Representative, John Hancock Insurance Company, Toledo,
OH.
Marketed, sold and serviced long-term insurance care and life insurance policies
for individuals.
1977a"1997. Vice President, Picton-Cavanaugh, Inc., Toledo, OH.
Responsible for new business sales, client service and account retention (commis
sion based). Acted as risk manager and claims consultant for clients. Marketed a
nd placed insurance for businesses that ranged in size from small to Fortune 500
companies.
1973a"1977. Account Service Representative, Marsh & McLennan, Detroit, MI.
Major Accounts Unit, 1975-1977; General Accounts Unit, 1973-1975).
Serviced a variety of commercial accounts, including manufacturers, hospitals, d
rug companies, retailers and contractors. Provided overall risk analysis of clie
ntsa insurance needs. Conducted placement and pricing negotiations with insuranc
e companies. Managed claims.
Education:
B.A. Ursinus College, Collegeville, PA
Major: Business
Minors: Psychology, History
Military Service:
U.S. Army Intelligence Corps. Top Secret Security Clearance.
Community Service:
From 1998-2002, served as Chairman of Board of Directors, Sunset Retirement Comm
unities, Toledo, OH. During that time, a $40,000,000 expansion project was carri
ed out. Board member for 12 years: 1994-2004, 2008-present (new term).
Vestry member, St. Michaelas in the Hills Episcopal Church, Toledo, OH. (Two Ter
ms) Serve on Stewardship, Outreach and Building Committees.
Board Member, Family Outreach Community United Services (FOCUS), Toledo, OH.
Board Member, Kids Against Hunger-Toledo Region.
Professional Affiliations:
American Association of Long-Term Care Insurance
Rotary Club of Maumee, Maumee, OH
Toledo Area Human Resource Association (TAHRA)