Mr. Toffales is a Bernard M. Baruch College graduate with degrees in Accounting and Business Administration. He also has a background in resaurant ownership and management, which is how he was introduced into the world of insurance. In 1982, he opened his own insurance brokerage firm in Brooklyn, NY. After more than 30 years, he has expanded his business and his knowledge of insurance, by aquiring a property and casualty brokers license, insurance agents license, and an excess and surplus lines license. He has insured clients in New York, New Jersey, North Carolina, South Carolina, Kentucky, and Florida. He now resides on Long Island, and has an office in Garden City, NY.