I entered the insurance industry in 1985 as an independent agent and have served and worked in all phases of the financial insurance consultant industry. I have owned and sold 2 agencies; hired and recruited agents, increased volume in poor performing marketing Ares.

My grandfather was a Palo Alto Resident for a long time and was an Executive in the upper management of the Southern Pacific Railroad, he retired after 49 years with the Railroad. My father emigrated from Ireland in 1921 and was part of the original Irish Republic Army; the Cummins family grew to 2 boys and one daughter.

My father started a furniture Moving business, Market Street Van and Storage. I joined the firm after 2 tours in Vietnam, in charge of the Southeast Asia Division. Father retired, sold the business in 1980. I entered the insurance industry in 1985 after doing Transpacific Sailing Adventure in my sailboat Raising Moon with Michaela (wifie).