Bachelor of Science, Kearney State College, 1979.
Agent, Prudential Insurance Company, Newark, 1979-1983; broker, Penner Insurance Agency, Beatrice, since 1983.
Board of directors Young Men’s Christian Association, Beatrice. Member Beatrice Planning and Zoning Commission. Member Beatrice Chamber of Commerce (board directors, Outstanding Young Citizen award 1990, Joint Commission International Senatorship 1991), Society Certified Insurance Counselors, Sons of America Legion, Beatrice Junior Chamber of Commerce (president 1986), Masons, Shriners, Eagles, Kiwanis (board directors).
Married Judy D. Westphal, August 19, 1978. Children: Katie J., Jack A.