I was born and raised in the Bronx, and have been residing in Toms River, NJ for the past 25 years. My career began in the New York real estate industry, serving as a broker, specializing in commercial real estate and financing.  My success came through a determination to make things happen, but also to understand the importance of customer service and client satisfaction. 

The decision, over 25 years ago, to become a independent insurance producer has allowed me to capitalize on my customer service skills and provide crucial education to those who need to make important decisions in healthcare options as they transition to and through retirement.