Native San Franciscan where I graduated from University of San Francisco in 1975.
Started career in November 1975 with Manulife in San Francisco as a life insurance wholesaler. I have never changed from this role.
My family moved in 1995 from San Francisco to Greensboro NC with Manulife where we still live today.
My spouse Carmen and I have spent our 43 years of marriage raising 9 children