Frank was born at Bethesda Naval Hospital and grew up in Alexandria, VA. Frank graduated from Francis C. Hammond High School and went on to graduate from Florida State University. Frank started the Spicer agency from scratch in May of 1984. Frank began by knocking on doors, making cold calls, and building a client base. Under Frank’s leadership the Spicer Agency has grown substantially and now has over 11,000 policies in force. Frank has five children and eight grandchildren. Frank lives in Clifton, VA with his wife Sally, their youngest two sons, and their three dogs – Bosco, Ben, and Reagan. Frank is an active runner and is a frequent participant in local road races. Frank also serves as a volunteer for the “Annandale Coalition of Churches for Action” (ACCA) delivering furniture and other essentials to poor families.