Doug Foreman

Douglas Foreman


Doug has a BSBA in Insurance and Finance from the University of Florida and is a licensed life and health agent. He has qualified for the Million Dollar Round Table since 1990. Born in Orlando, Doug has been married since 1992 , he has two sons and a daughter. Doug is a past President of the Central Florida Society of Financial Service Professionals and currently serves on the Board for the Manufacturers Association of Central Florida and Habitat for Humanity of Greater Orlando.

Email: Office: (407) 862-5900 Fax: (407) 869-7560

Tina Craft

Tina Craft

Vice President of Sales

Tina has a Bachelor of Science in Sociology from The University of Central Florida and is a licensed life and health agent. Tina contributes 20 years of employee benefits experience focused on innovative strategy and solutions that help employers achieve financial and human capital goals and objectives. Born in Orlando, Tina has been married to Will since 2007 and has beautiful twin sons. Tina shares a passion for advocacy, servant leadership and education.

Email: Office: (407) 960-7742 Fax: (407) 869-7560

Steve Foreman

Stephen Foreman

CLU, ChFC - President

Steve has a BSBA in Insurance and Finance from the University of Florida and is a licensed life, health and real estate broker. He is a 50+ year qualifying and life member of the Million Dollar Round Table. He and his wife, Sue, have been married since 1961, have two children, Karen and Doug, and five grandchildren. Steve serves as a Director on the Boards of Orlando Foot and Ankle Clinic, Spirit of Life Ministries, and Fresh Start Ministries.

Email: Office: (407) 862-5900 Fax: (407) 869-7560

Shari Oxman

Shari Oxman

Financial Executive

Shari holds the position of CFO and has been employed at Fringe Benefit Plans for over 30 years. She is married, has 2 daughters and 1 grandson. When not at work, Shari enjoys ballroom dancing and spending time with her family.

Email: Office: (407) 862-5900 Fax: (407) 869-7560

Sheila Wilhide

Sheila Wilhide

Account Executive

Sheila has worked in the employee benefits industry for 25 years, including paying claims for insurance companies, administering COBRA, and resolving client billing and claims issues. Sheila is married with two boys and is a native Floridian.

Email: Office: (407) 960-7746 Fax: (407) 869-7560


Adrienne Cieplinski

Marketing Specialist

Adrienne comes to us with 10 years’ experience in the insurance industry with a background in Accounting and Benefits Marketing. During her free time, Adrienne enjoys introducing her daughter to the beautiful springs around Central Florida, volunteering at Seminole County lake restorations under the SERV Program, and the latest martial arts adventure of Krav Maga.


Scott Bunkers


Scott has a Bachelor of Science degree in Management from St. Cloud State University in St. Cloud, Minnesota. Scott has been in the insurance business in Orlando since 1984 and has a life and health license. He is past president of the local National Association of Insurance and Financial Advisors and is still an active member plus an active member of the local Health Underwriters Association as well. Scott's community involvement and support includes his Church and the Millennium Rowing Association. Scott has been married to Melissa for many years and has 3 grown sons.

Email: Office: (407) 960-7747 Fax: (407) 869-7560

Kristen Goerk

Operations Support Specialist

Kristen is a native Floridian who has been in the administrative field for 8 Years. She is dedicated to providing outstanding service with a welcoming disposition and creating exceptional first impressions. Kristen takes pride in providing support to our Valued Employers and to the entire FBP Team.


Liz Kroyer

Benefits Support Specialist

Liz moved to Florida from New York in 1986. She got her start in Customer Service at Sea World of Florida. Liz has specialized in Third-party administration in including Defined Contributions, Defined Benefits and Health and Welfare since 1998.

Liz has been married to her husband since 1996. She enjoys reading, crafts, Ice hockey and animals.


Tonya Dixon

Operations Support Specialist

Tonya is a native Floridian and graduated from the University of South Florida in Tampa. She has worked 15 years in banking/mortgages; then 13 years in Customer Service and management. Tonya is married for 20+ years and has two teenage boys. Her passion is working with children with disabilities, and medical challenges. She also enjoys the outdoors, reading, gardening, fishing and dancing.

Caroline Greear

Administrative Assistant

Caroline was born and raised here in Winter Park. She recently graduated from University of Central Florida with a degree in Marketing. She is continuing her education with UCF, pursuing a master’s in Business Management and Analytics. Caroline prides herself with always providing exceptional customer service and a strong work ethic. Her favorite pastimes include playing tennis, going to the beach and reading.

Todd Gariepy

Director of Operations

Todd comes to us with 15 plus years’ experience in Benefits Administration. He specializes in process improvement and Benefits technology. In his free time Todd enjoys playing golf and traveling the world. Todd also enjoys exploring the outdoors with his children.


Sally Frederick

Account Manager

Sally has worked in the employee benefits industry for 15 years as an account manager. She supports employers helping them navigate the entire benefits process (open enrollment, claims issues, wellness plans, billing, qualifying events and COBRA). Sally believes that a company’s human capital is its greatest asset and is committed to making the benefits experience understandable and easy.

When not working she enjoys the outdoors and loves to cook.

Kelly Cicero

Account Manager

Kelly has over 15 years’ experience in the insurance industry. She has a Bachelor of Science Degree in Health Services Administration from the University of Central Florida. Kelly is the past President of the Central Florida Association of Insurance & Financial Advisors. In Kelly’s spare time, she enjoys the beach and traveling with her three sons.