Fred started with Clay & Land in January 2010. He obtained his insurance license in August of 1976. He is licensed to sell property, casualty, life, health, variable contracts, and vehicle physical damage. He was a partner in Tate Insurance Agency for 34 years until merging with Clay & Land. His area of expertise is in personal and commercial lines of insurance and is responsible for developing new sales in those areas. Fred is a member of Holy Rosary Catholic Church and Men’s Club. He volunteers for the Memphis Italian Festival where he works with music and entertainment. Fred’s hobbies include cooking, golf, and listening to live “Memphis” music. He is an Ole Miss and University of Memphis football and basketball fan. Fred is married to Nora McGowen and has 3 children.