Serving as a strategic and executive leader for the sixth largest fraternal life insurance society in the nation. Building upon the Society's stellar foundation to galvanize momentum for the financial security and charitable endeavors of GBU's membership.

Financial advisor specializing in a broad range of financial planning activities for individuals and families of all ages as well as business owners. My focus is to develop a partnership with my clients to grow, protect and ultimately distribute their wealth in a manner that will optimize retirement income, liquidity, and desired legacy. For individuals and families, I provide asset management, insurance, college funding, retirement and estate/wealth transfer services. Business owner services include group benefits,retirement plans and qualified/non-qualified executive/owner compensation plans.LinkedIn is unaffiliated with Pillar Wealth Advisors and Hornor, Townsend & Kent, Inc. (HTK). Any recommendation posted to this page is not endorsed by, and may not represent the views of Pillar, HTK nor its affiliates. This material is not intended to be a recommendation, offer or solicitation. Always consult a tax, legal, or financial professional regarding your personal circumstances. Securities & Advisory Services offered through HTK. Member FINRA www.finra.org / SIPC www.sipc.org. 2751 Centerville Road, Suite 109, Wilmington, DE 19808. 302-409-3500. Pillar Wealth Advisors is unaffiliated with HTK.

North American Life Plans is a national, independent insurance marketing organization that provides products, training and support to financial professionals serving the senior market.

Hired by the Board of Directors of Penn Treaty American Corporation (PTAC) in October, 2009 to serve on a committee of the Board that developed the strategy, plan and tactics to block the attempted liquidation of PTAC's two insurance subsidiaries (PTNA and ANIC) which were placed into rehabilitation with the Pennsylvania Department of Insurance earlier in 2009.Successfully blocked the attempted liquidation of PTNA and ANIC. This was the first time that a liquidation petition was denied by the Commonwealth Court of Pennsylvania. The highly favorable opinion rendered by the Court in May, 2012 and upheld by the Pennsylvania Supreme Court in 2015, ordered that rehabilitation plans for PTNA and ANIC be developed and filed with the Court on a timely basis.Hired in June, 2012 to assist the Pennsylvania Insurance Commissioner, in his role as statutory rehabilitator, in the development of Rehabilitation plans for PTNA and ANIC. Plans were filed with Commonwealth Court in 2013.In 2016, after working with the Court, the rehabilitator and other intervenors, settled PTAC's position with the rehabilitator in all rehabilitation/liquidation proceedings.

Penn Treaty is an insurance holding company that owned three subsidiaries: Penn Treaty Network America Insurance company, PTNA, American Network Insurance company, ANIC and American Independent Network Insurance Company of New York, AINICNY.

Hired by Board of Directors to provide C-level executive, financial and operational services for this annual $2 million revenue company. Worked closely with CEO and Board to restructure business model, set strategy, raise capital, solve operational challenges, provide financial discipline and governance guidance.

President and Chief Executive Officer (2003-2009)President and Chief Operating Officer (2002-2003)Senior Vice President of Finance (2001-2002)Recruited to assess the Company's long term care insurance business, provide executive leadership and develop (if possible) a plan to prevent the insolvency of the Company's two largest insurance subsidiaries (PTNA and ANIC) which held a $300 million+ premium book of under priced, under capitalized long term care insurance business (Oldco). After successfully restructuring PTNA and ANIC via a corrective action plan that was approved by regulators, years of diligently implementing a series of actions designed to stabilize and strengthen Oldco, developing and selling a profitable new generation of long term care insurance policies (Newco), Penn Treaty's market value rose from $43 million in 2001 to over $250 million during 2006.The inability to secure actuarially justified premium rate increases from key regulators from mid-2006 through 2008 in order to keep Oldco solvent and the increasing cost of reinsurance which coincided with the global financial crisis in the fourth quarter of 2008 drove the decision to place PTNA and ANIC into rehabilitation with the Pennsylvania Insurance Department in 2009. The expectation was that the statutory rehabilitator would successfully correct the condition that caused PTNA and ANIC to be placed into rehabilitation.

Provided leadership in the financial management, strategic and operational planning functions of the Individual Life Insurance profit center. Focused on developing the financial discipline that successfully transitioned Prudential Financial from a mutual to a publicly traded stock form of ownership.Orchestrated the development of the 2001-2002 business plan which featured revenue growth, independent distribution expansion, an improved service platform and expense reduction of $150 million (20% of base).