I am a transplanted New Yorker who is a CPA and MBA. I moved to California in 1992 to get involved in the start up of a home infusion pharmacy, for which I was CEO, CFO and co-owner. I negotiated the sale of our operating assets to a national provider (now part of Walgreen's) at the end of 2006. I dabbled in retirement for a few years, but decided I should start earning some money again. After spending most of my career doing accounting, tax and financial work, I did something totally different for me....selling Aflac's products.

My wife Barbara and I have 5 children between us, 3 daughter and 2 sons...all adults out on their own. We also have 3 grandchildren.

I love golf although I am only mediocre at it. My wife and love traveling.

Services:

Aflac provides what we call "insurance for daily living." Someone can have great medical insurance, but that only pays doctors and hospitals. If they suffer a serious injury or illness that prevents them from working, they need cash to pay their normal living expenses as well as co-pays and deductibles. Aflac's products address that problem by paying cash directly to the policyholders to use as they see fit.

Aflac is not one size fits all. We have a menu of products covering things such as accidents, short term disability, cancer and more. We establish a budget that the person is comfortable with and then help them enroll in products that meet their needs. Policyholders often use the cash they receive to pay their monthly expenses such as rent or mortgage payments, utilities, groceries etc.

People can enroll in Aflac products directly or through their employers. If done through their employers, they can use pretax dollars for most of the products which further reduces the cost. And the employers also save on their payroll taxes.

Associations:

American Institute of Certified Public Accountants
New York State Society of Certified Public Accountants
Financial Executives Networking Group
Financial Executives International

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