Born in Virginia and attended William and Mary for undergraduate studies and University of Virginia for further studies. I have been in the insurance business in Florida since 1992. I have always operated my business with the counselor sales approach. The more my prospect/client is informed, the better client they become and, most importantly, the better choices they can make for their own benefit. My Specialty is "DRASTICALLY" reducing Health Costs for small group Employers (under 50 employees). I utilize a little known provision in our current healthcare Rules and Regulations that allows Small Employers to provide great coverages at a MUCH lower costs. I have been blessed to be married to my best friend, Sharon my entire life and with two children, Sarah and Ashby, Jr. Probably the MOST important differentiation between me and my competitors is SERVICE. We've built our business on personal and professional service. It is not unusual for one of my clients to call me on weekends or even as late as midnight. That's the service I would appreciate and therefore the kind of service I provide for YOU. Thanks for visiting my site and I look forward to discussing your needs with you and finding a great solution.