My Bio:

• Graduate of Polytechnic Institute of New York in Civil Engineering

• Life Underwriter Training Council Fellow (LUTCF); The American College

• Member, National Association of Insurance & Financial Advisors

• Certified in Long Term Care (CLTC); Corporation for Long Term Care Certification Inc.

• Long Term Care Leader in Pacific Agencies, 2006^

• Qualifying & Life Member of Million Dollar Round Table (MDRT)-2000, 2001,2002,2003,2004,2005,2006,2007(Court Of The Table),2008,2009,2010,2011,2012,2013,2014,2015,2016,2017,2018*

• National Quality Award-2005, 2006

• Executive Council Award-1999, 2000^, 2001,2003,2004,2005,2006,2007,2008,2010,2011,2013,2014,2015,2016,2017,2018

• President Council Award-2002, 2004, 2009, 2012^

• Sr. Vice President Award-2000,2001,2003,2004^

• Life Premium Leader Award-2000^

• Centurion Award-2000,2001,2002,2004^

• Life Superstar, Growth and All-Star Award-2000,2001,2002,2003,2004,2006^

• Eagle Awards for Life Leader & Life Paid Case-2000,2001^

• Life Foundation Award-June, December 2000

• Life Foundation Award-March, June, October 2001

• Peak Performer Award-2000,Peak Performer Elite Award-2001,2004,2005,2006 Life Case Rate Leader Award-2001 'One More Family's Future' Award 2001 '100%er' Achievement Award-2001,2006 Top Ten Commission Leaders Award-2001^

• 9 Times Agent of the Month in Years 1998, 1999, 2000, 2001^

Our Principles of Ethical Market Conduct:

1. We will conduct business according to high standards of honesty and fairness and render that service to our clients that, in the same circumstances, we would apply to or demand for ourselves.

2. We will provide competent and customer-focused sales and service, and will maintain a level of professional competence through a lifetime commitment to professional growth and continuing education.

3. We acknowledge the different constituents whom we serve:Insurance companies and the wider insurance industry, our clients, our client's advisers, our community, and our family - and we will resolve ethically any conflicts that might arise between those relationships.

4. We will communicate fully and effectively so that clients receive appropriate recommendations that balance the natural inclination to maximize benefits, tempered by their unique tolerance - or lack of tolenrance - for risk.

5. We will deliver to our clients a statement of business processes, methods of compensation, and other disclosures appropriate to an open and professional business relationship.