A native of Philadelphia, Toby was brought to this area every summer by his parents.
 
After a career in the reinsurance brokerage business, Toby retired after his company was sold to Marsh McClennan.  He and wife Christy moved full-time to their home on Crystal Lake about ten years ago.
 
Toby loves Crystal lake and sailing on it.  He began sailing at age 13 and headed up a fleet at the Crystal Lake Yacht Club for 15 years. He was first introduced to our club by Bob Istnick and looks forward to being an active member.