QUALIFICATIONS:

• BBA, Marketing/Economics - Marshall University, 1972
• MS, Agricultural Economics - West Virginia University, 1974
• Captain, Regular Army (RA), 1974-78
• Life Underwriter Training Council Fellow (LUTCF), 1995
• Registered Representative with NYLIFE Securities LLC, member FINRA/SIPC, A Licensed Insurance Agency & New York Life Company
• Over 41 Years of Diversified Insurance Experience
• Million Dollar Round Table (MDRT)¹, Life Member
• National Association of Insurance & Financial Advisors 
• Greater Washington, PA Area Chamber of Commerce
• Lieutenant Colonel, U.S. Army Reserve, Retired, 1994
• Desert Storm/Persian Gulf War Veteran, 1990-91
• Reserve Officers Association (ROA),  Life Member
• Veterans of Foreign Wars (VFW), Life Member

¹Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence in life insurance sales performance in the insurance and financial services industry.