Fred is a graduate of the University of North Florida with a Bachelor’s degree in Business Administration and a minor in Psychology. Prior to joining Lincoln Financial Advisors/Sagemark Consulting in 2002, Fred worked with Merrill Lynch in their Trust and Estate Settlement Division. He now serves as a Director of Planning for the National Planning Team and is a resource for the Sagemark Consulting Private Wealth Services Group and LFG’s Business Intelligence Institute (BII). In addition to being a CERTIFIED FINANCIAL PLANNER™ certificant and CHARTERED RETIREMENT PLANNING COUNSELORSM designee, Fred also holds the FINRA Series 6, 7 and 65 as well as the Florida Life, Health and Variable Annuity license. Fred resides near Jacksonville, FL with his wife, Lori, and sons, Andrew and Ben where he enjoys volunteering as a youth baseball coach.