
Tyrone Clark is a nationally recognized annuity sensation! Essentially he has dedicated his life to the field of annuities. Beginning at the age of nineteen, Mr. Clark entered the insurance industry and was uniquely captivated by the annuity market and products. He began his career by becoming an annuity-marketing specialist and attained the position of Vice-President to two successful national annuity organizations as well as continuing his work with clients. He has totally engrossed himself in the vast annuity world. His company, Brokers’ Choice of America, Inc., is responsible for over one thousand distributors. Brokers’ Choice of America, Inc. is responsible for over three billion dollars of annuity sales (an exceptional feat) in only twelve years.
Mr. Clark is also the founder of Annuity University (A.U.) the most popular and most successful annuity training school in the country. In fact, over seven thousand financial professionals have attended A.U. Each month insurance agents, bankers, attorneys, CPAs, accountants, financial planners, and investment advisors attend Annuity University.
In addition, Mr. Clark designed several successful annuity products. He has
authored books on annuities and written numerous articles on the subject. He has
been featured on several radio talk shows and television programs. Mr. Clark sits
on the advisory board of several insurance companies and insurance agencies.
Mr. Clark lectures on the subject of annuities throughout the nation. In fact, he is
also known as the Seminar King and has given over one thousand consumer
seminars to over fifty thousand consumers in forty-nine states (true statement).
Mr. Clark has been in over twenty different magazines as well as numerous daily
newspapers throughout the nation. No doubt, when it comes to annuities, his
career accomplishments are exceptional.

David Royer entered the insurance industry in 1969 after completing his military obligation. Following a successful sales career, in 1974 David accepted a management position with Metropolitan Life. He built two scratch agencies before becoming a Regional Sales Manager wholesaling Life and Disability Insurance with Illinois Mutual. With 25 years of experience growing insurance companies’ volume, he applied his experience to the exploding senior market. As a Regional Vice President with a young and growing annuity company David was instrumental building distribution to just under ½ of a billion dollars of annual annuity volume in less than 4 years
When the Tax Laws effecting Qualified Plan Distribution changed in 2002 David became a “Stretch IRA” expert. Between 2002 and 2005 he developed the badly needed tools and training for annuity producers to be successful working in the $14 trillion qualified market.
Today Mr. Royer is a national trainer and key note speaker on the subject of Qualified Plan Distribution and how annuity producers can help seniors take advantage of the new tax laws. His training has enabled many annuity producers to help their clients get the most out of their IRAs, 401ks and other qualified retirement plans.

Alan Gappinger, Founder and Chairman of the Board of the Heartland Institute, is actively involved with the organization on a day-to-day basis. As a participating financial planner, Alan recognized that most people could benefit from basic financial education. He provides that for his clients and it’s what he is committed to bringing to a national audience through the Institute.
Alan received a BA in Education from Arizona State University and an MS in Financial Planning form the American College in Bryn Mawr, PA. His designations include Chartered Financial Consultant, Chartered Life Underwriter and Registered Health Underwriter. He is also a CFE, Certified Financial Educator® having completed the course of study and certification process governed by the Heartland Institute. He also carries the Certified Financial Planner™ professional designation by completing his studies through the College of Financial Planning in Denver, CO and meeting the CFP Board of Standards certification requirements.

Linda Ballou radiates Confidence, Success, and an Honest Caring Attitude. For the business professional, the possession of these qualities is paramount in choosing someone to handle their sales,motivation, and “How to do Business Like the Pros” training programs.
Linda Ballou has these qualities in abundance. Linda knows the unique sales situations and problems companies face daily and the challenges that result from these situations. Throughout the years of working with insurance companies, many fortune 500 companies, Atlantic Richfield, STP, Certified Laboratories, Lanier Worldwide just to name a few, Linda has faced these problems and forged solutions with wonderful results.

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