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

Vice President of Strategic Solutions

Tina has a Bachelor of Science in Sociology from The University of Central Florida and is a licensed life and health agent. Tina contributes more than 25 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

Account Manager

Liz moved to Florida from New York in 1986. She began her career in Customer Service at Sea World of Florida. Liz has specialized in Third-party benefit administration including Defined Benefits, Defined Contributions and Health and Welfare since 1998. She has been with Fringe Benefits since 2019 starting out in the Eligibility department.

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


Rachael Tyson

Operations Support Specialist

Rachael was born and raised in central Florida. She has over 10 years’ experience with insurance in the medical field. In her free time, she enjoys reading, gardening, and spending time with her husband and dog.

Gina Johnson

Administrative Assistant

Gina comes to us with over 25 years of experience in the administrative assistant field. She takes much pride in assisting her team members with different projects, learning different aspects of each role. In Gina’s spare time, she enjoys cooking or crafts and spending as much time as possible with her children and granddaughters.

Tonya Dixon

Operations Support Specialist

Tonya has a Bachelor of Science degree in Mass Communications from the University of South Florida in Tampa, Florida. She also has a Life Health and Annuity License. Tonya is a native Floridian and loves the outdoors. She has been married for 23 years with 2 boys. She enjoys spending time gardening, cooking, meditating and time with the family.

Natasha Monaco

Account Manager

Natasha is a native Floridian, who grew up in Colorado. She has 16 years of experience in Human Resource and Benefit Administration. She believes providing good service is good business. She loves to explore new foods and learn about the cultures they come from. Some of her favorites are Indian, Thai, and Ethiopian food. In her free time, she loves being near water and out in the sunshine.