40+ years experience on Wall Street and William Street. Have held high level insurance posts in NY, NJ, and CA. Was risk manager for a major NYC property management firm. Twelve years experience as an independent insurance broker.Founded a managing general agency specializing in auto insurance. Created new auto insurance forms and practices that have since been adopted by auto insurers throughout USA.Published twice in Best's P&C Review, was the subject of a cover story in Best's P&C Review.Have always been a go-to guy for agents in need of help.Specialties: Design and implementation of solutions for vexing risk management and loss control problems. This includes formation and management of privately owned, closely held Captive Insurance Companies. My gift from a higher power is a remarkable ability to recognize anomalies and adjust for them nicely within a complex environment.