Wayne D. Gray
Owner – ASB, Mountain States Region
Regional Manager – Internal Operations
Wayne began his career in 1980. He received national recognition year after year as both an agent and agency manager. He served as a home office executive for Prudential, MetLife and Mutual of Omaha. Wayne served as a moderator for the insurance industry Agency Management Training Course (AMTC). He was a featured speaker at many local National Association of Financial & Insurance Advisors (NAIFA) meetings and numerous industry training workshops. He built award winning agencies for Prudential, MetLife, BMA, AUL and American Senior Benefits (ASB). His region with ASB has been the leading agency in the nation for two consecutive years. Today, with deep roots planted in Utah and ASB, he is looking forward to the next decade of developing the Mountain States Region and grooming the next generation of industry professionals.Many high schools, churches, and community youth programs have invited Wayne as a guest speaker on college planning. He and his children have been accepted to: Rhodes College, MIT, Harvard, Berkley, University of Utah, Utah State, BYU, BYU Idaho, the Air Force Academy, and the United States Military Academy at West Point. Wayne has four children, eight grandchildren and has hosted eleven exchange students from around the world. He has two sons that have served in the Army who both returned safely from serving in Iraq. In 2010 his youngest son was selected as the Soldier of the Year for Fort Polk, Louisiana. Wayne enjoys reading, golf, travel and visiting with his growing family.
Regional Manager – Field Operations
District Manager - Utah
A graduate of the United States Military Academy at West Point, NY, Larry served over ten years as an Infantry officer with a year and a half in Iraq under the 3rd Stryker Brigade Combat Team. The last several years were spent training officer candidates in the Utah National Guard. While active duty and studying for his MBA, Larry was convinced to enter the financial services industry over teaching high school economics. With a passion for both learning and teaching Larry has since enjoyed his role helping people financially plan a well thought out next act of their lives and avoid what he calls the ‘Perfect Storm’. He was asked to become a team manager early in his career and has since become the lead manager and trainer of the Mountain States Region field force. Larry was the host of a financial education radio show in 2016 called Perfect Storm Radio on AM 1430 KLO.The “Protect First” core value of the Mountain States Region of American Senior Benefits comes, in part, from the personal experience Larry had serving thousands of families throughout Utah and Idaho. In the fall of 2008, as the stock market crashed, Larry’s clients – many who were getting close to or in retirement – retained the entirety of the assets they entrusted to him. This seminal experience compounded as Larry spent thousands of hours looking at client statements, policies, and helping them make some of the most important financial decisions of their lives. Today, he shares his enthusiasm for providing solutions to protect many of people’s most precious goals with his agents and advisors through weekly training and counseling and his own clients through personalized care. Larry and his wife, K’Lyn, have four rays of sunshine all in grade school. They enjoy scouting, camping, wrestling, swimming, and playing games. Larry enjoys road races and reading just about everything. He serves as an instructor for the Utah Junior Achievement program to teach young people about economic success. A member of the National Association of Insurance & Financial Advisors (NAIFA), Larry serves as the Salt Lake Valley Chair of the Advisors Political Involvement Committee (APIC).
District Manager – Idaho
Office Manager – Boise
James is the Idaho District Manager of the Mountain States Region of American Senior Benefits. He has over 17 years of experience in the insurance industry, both as a Commercial Property & Casualty expert with the coveted Certified Insurance Counselor designation and, later, with a focus on the Life & Health field, taking a more personal approach to assisting Idaho residents approaching and in retirement. James believes this focus gives him the depth of knowledge needed to most effectively serve Idaho’s Social Security recipients in the areas of Medicare, protection of financial assets, long-term care, and life insurance. He prides himself on teaching these subjects to his clients so they can make well informed decisions, and on making recommendations for change only when there is a clear benefit. It is because of this level of service that James enjoys great relationships with a long list of clients on an ongoing basis. James is also one of the most respected managers and agent trainers in our organization.James is wed to his graceful wife, Jacki, has four great kids, and, to his delight, is a new grandpa! Active in his church, he has enjoyed over fifteen years as a Varsity Coach and leader in the Boy Scouts of America. James holds a pilot’s license, played the drums when he was younger and got to play to a crowd of a few thousand one night with Bruce Hornsby in Seattle as a young man.
Nate Billeter, MBA
Field Manager – Salt Lake Valley
Nate graduated from BYU and earned his MBA from Westminster College. He has been on the startup side of numerous companies, creating professional networking groups and launching businesses inside and outside of the insurance and investment industry. He served as a life coach and a mentor for numerous families and often spoke before church and civic groups on personal finance.Nate was recruited from Ameriprise Financial in 2011 to ASB as a prize talent. He was identified as one of the most influential new managers in the region in both 2013 and 2014 and as one of the top national talents in both 2014 and 2015. Today, Nate leads the regions team of agents in Salt Lake County as both manager and Financial Advisor. Nate and his wife of ten years, Stephanie, live in Mill Creek, Utah with their three children, two of which are twins. They enjoy the outdoors, gardening, reading, and playing with their children. Nate also enjoys boating in his canoe!
Field Manager – Utah County
Office Manager – Provo
Gilbert played rugby for and graduated from BYU in 1988. After several years as a bull rider, he decided to ‘get a real job’ beginning work in construction management. Gilbert eventually became sponsored as a consultant to train fortune 100 employees in project management throughout the U.S. and Canada. Later trained as a Financial Advisor, Gilbert served clients of Ameriprise Financial and, later, Wells Fargo in investment and retirement planning. He joined American Senior Benefits (ASB) in August of 2011 and quickly became one of the leading agents in the region. Gilbert was asked to lead a team in February of 2012 and ended the year as Field Manager of The Year. He was invited to be a keynote speaker at the ASB American College in Dallas, Texas, presenting to over 100 new and tenured agents. He was then asked to head the Utah County office, which he does to this day.Gilbert is married to his lovely wife Rosa of 32 years. They have four children and three grandchildren. They returned from a mission for their church to Mexico in early 2017. Gilbert is an avid outdoorsman who loves camping and hiking. He and his wife are excellent gardeners and they make an amazing salsa
Field Manager – Southern Utah
Office Manager – St. George
Randy began building the now St. George, UT office of American Senior Benefits to serve the residence of Southern Utah in 2012. He has a BA in Accounting. He began working in the insurance industry in 1982 and brings with him many years of financial service experience as well as a background in both accounting and real estate. Randy was a leading talent in the financial industry throughout his career. Today he leads an office that serves as a model of personal and professional service.Randy and his wife, Cherie, are married for 32 years. They are proud parents and grandparents. Dating Cherie, hiking, reading, and gardening fill most of Randy’s free time.
Field Manager – Boise
Jonathan served as accountant on both individual and business accounts over the course of twelve years before being invited to join ASB and becoming a licensed Financial Advisor and Fiduciary. His steady demeanor and thorough approach has made him a foundational asset to his clients. Uniquely awarded Most Valuable Mentor in the Mountain States Region of ASB in 2015, Jonathan was asked to manage a team and was later recognized as the most talented team lead of 2016.Jonathan was raised in Beaverton, Oregon, and received his BA in Accounting from Portland State University after a two-year mission in Argentina for his church. He moved his marvelous wife, Krista, and five children to Boise, Idaho in 2011 where they are very active in their church, and he enjoys coaching youth soccer.
Field Manager – Northern Utah
Office Manager – Ogden
Jerry grew up all over the U.S. and Germany and learned several foreign languages. He graduated with a B.A. from BYU and entered the retail industry where he was recruited to management and gained an appreciation for genuine customer service. Jerry was recruited to ASB in 2014 where it seemed he had found his calling in life specializing in diligently serving the insurance needs of the senior community. He was dubbed the top new talent of the year during his first full year with the company. It is his goal that his clients receive “no surprises” in retirement. Jerry was asked in 2016 to assume management of the region’s Ogden office where his humble dedication to servant leadership have endeared him to a team of well tenured agents.Jerry and his glowing wife, Koalani, have two lively children. He serves as Assistant Scoutmaster for the Boy Scouts of America, and enjoys traveling, sports and movies.
Field Manager – South East Idaho
Office Manager – Pocatello
Jason graduated from BYU Idaho in 2003 with a Bachelor's of Science. A unique talent, Jason was sought after and recruited to build the Pocatello office for American Senior Benefits in 2017 after a long career in the Property and Casualty field working both independently and directly with a Fortune 65 national insurance company, earning many top honors and awards.Jason has been married to his beautiful wife, Meegan, since 2000 and they have 2 sons, Keaton and Aiden in grade school. They have been licensed foster parents for the last few years, which is how Aiden found his way into their family. Jason has a passion for the outdoors and especially for fly fishing. If he isn't with his family or helping clients, you can find him on the river.
Field Manager - Boise
David has over 25 years of experience assisting people all over Idaho & Oregon with their insurance and financial needs as bank branch manager, financial advisor, and credit union executive. Today, David brings his passion and energy to serving retirement age clients with a wide range of solutions from their health plans to preserving their legacy. David prides himself on teaching these subjects to clients so they can make informed decisions they will be happy with for years to come.David and his remarkable wife, Carolyn, raise nine children ranging from new born to college age. They both enjoy nothing more than the games, trips, and general fun they have as a family.
Senior Agent & Mentor - Boise
Tom spent many years in the non-profit sector, working with orchestras in Indianapolis, Sioux Falls, South Dakota and Boise, concentrating on fundraising with donors. When interviewed for the job with American Senior Benefits, he was asked if he was comfortable working with seniors! He laughed, as his career with orchestras tends to have a mature audience attending symphony concerts! As an insurance professional, he works exclusively with those at or near retirement. Tom quickly became a valued talent to the Boise, ID office and was recognized as the region’s Most Valuable Mentor of 2016.Tom is blessed to have married up to his loving, beautiful, and talented wife, Julia.
Senior Agent - Ogden
With a background in both banking and insurance, Theresa was recruited to American Senior Benefits in 2014. Her “motherly” care for her clients was evident in her attentive and thoughtful nature. Theresa quickly endeared herself to both her clients and co-workers as utterly dependable and a creative problem solver. She enjoys helping her clients redeem the full extent of their benefits with Medicare and Social Security. Each Medicare season Theresa finds ways to attract and help more people than most. She was identified as one of the top national talents for ASB in 2015.Theresa attended Weber State University in Ogden, Utah and raised her family with four beautiful children who are all grown and married now. She has four grandchildren with one on the way, is active in the LDS church and enjoys traveling and spending time with friends and family.
Senior Agent – Ogden
Craig entered the insurance and financial services industry in 2006 and joined American Senior Benefits in 2011. Having enjoyed a career spanning some 40 years, he has garnered the maturity, education and life experience that have prepared him to understand the needs of, and provide solutions for business owners, families, and those preparing for or in retirement.Craig was born and raised in Provo, Utah, graduated with a B.A. degree in Economics from BYU, and then earned an MBA degree in Finance from the University of Southern California. After 13 years working in the burgeoning High-Tech industry, he left corporate life and founded his own sign-making business, PDP Signs and Graphics, to satisfy his entrepreneurial and creative interests. After 15 years of operating a successful enterprise he had an opportunity to sell his business, and then began his career as an insurance and financial services professional. Craig and his wife Charlene were married in 1975. They are parents of five children and grandparents of twelve. They reside in Layton, Utah, and are active in their church and community. They enjoy travelling, gardening, summer barbeque, outdoor activities, and planning family gatherings.
Rick Carpenter, JD
Senior Agent - Provo
Rick joined ASB in 2011. He quickly became a valued team member, training and mentoring agents throughout Utah. Rick is a native of Chandler, Arizona. He holds a BA in Finance from Arizona State University and has over twenty years of finance experience. His prior positions include Director of Finance for Penske Automotive Group and Senior Financial Analyst for General Dynamics Military Electronics Division. Today, Rick is a Senior Agent having been dubbed one of the region’s leading talents three consecutive years.At age 50, Rick earned his Juris Doctor degree from Concord Law School with an emphasis in health care law. He now uses this education to better assist his clients with health-related choices and other areas of elder care. Rick lives in Salem, Utah with his wife, Jacey, and their five youngest children. He is committed to community service, and presently serves as a leader in a local Boy Scout troop. While living in Arizona, he was a volunteer police officer and graduated at the top of his law enforcement academy class. Rick is an avid golfer playing in statewide tournaments. He is also an accomplished photographer and published nationally.