David Hoffman

Call it a destiny inspired by familial duty: Since birth, David Hoffman has known his career path eventually would lead him to the upper ranks of Hoffman Hanono Insurance Services.
Considering his predecessors passed down a sound business plan along with their secrets to effective leadership, the 32-year-old -- who began working for the agency in 1995 and took over as president when he was 28 -- has no reason to mince words. He knows turbulent economic conditions are producing a weak market in which companies have experienced a 15 percent to 25 percent decrease in premium rates within the last three to five years, triggering significant savings for consumers.