I earned my Bachelors degree in Risk Management/Insurance from Florida State University in 1989, and my CPCU designation in 1992, eventually adding an MBA in 2022.  Most of my career has been in the retail P&C arena, spanning 30 years, and I run a small retail agency with 14 employees.  Our client base is broad, from personal lines and small commercial risks to large contractors, banks, public entities and other larger commercial entities.

I began teaching insurance and risk management topics in the early 2000s at Gulf Coast State College and later at Florida State University, as well as through the Florida Association of Insurance Agents (FAIA) and for private clients.  I added fee-based risk management services to my portfolio in 2012 and expert witness engagements in 2015.