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David M. Hoff received his undergraduate degree from the University of Missouri-St. Louis and graduated magna cum laude with a B.S. and B.A. in Management. He entered the life insurance business as a field underwriter with Home Life Insurance Company of New York, and during his three-year employment with Home Life, he received his Chartered Life Underwriter and Chartered Financial Consultant designations. Next, he incorporated his insurance practice, which later became First Heartland® Corporation, Inc. He entered the securities business later that year by fulfilling the Series 7 requirements, and shortly thereafter qualified as a General Securities Principal. David has also obtained the Certified Financial Planner designation.