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Fred Hardy has spent his life devoted to building personal relationships and providing industry leading risk management service to his community partners. A graduate from the State University of New York and Olivet Nazarene University in Business Administration, Fred also holds a Risk Management Certification from Cambridge University and the Certified Senior Advisor (CSA) designation . He is a U.S. Marine Corps Veteran, First Marine Division, member of the American Legion and The Gideons. Along with a life devoted to educating and advocating about risk management, Fred is an active member of his local church, serving in many capacities through the years. Married to Sandy, they enjoy spending time with their two daughters, five grandchildren and family any chance they can.
