I was born and raised in the St. Charles area, attended St. Louis University High School and graduated from St. Louis University in 1973. I married my lovely wife, Mary, in 1973 and have 3 grown children and 4 grandchildren. My insurance career started in 1970, working in my father’s Independent Agency. I took over the Agency in 1978 when he retired and in 1985 merged my Agency with Bill Schaefer and moved to our current location. Over the years I have attained several Industry Designations, including Certified Insurance Counselor (CIC), which help me stay current with insurance changes and requirements. I have concentrated the last years on helping individuals with their Estate, Retirement and Life Insurance Planning needs.