Meet Our Team Of Benefits Experts

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: Doug@fbplans.com

Office: (407) 862-5900

Fax: (407) 869-7560

A Legacy of Service and Dedication

Steve’s legacy is a testament to a life built on service, dedication, and an unwavering commitment to both his family and his profession. Though he passed away in March 2025, the principles he lived by continue to inspire all who knew him.

A proud alumnus of the University of Florida, Steve earned a BSBA in Insurance and Finance, setting the stage for a distinguished career. He was a licensed life, health, and real estate broker, with an expertise that earned him a place among the industry’s most respected professionals. For more than 50 years, Steve was a qualifying and life member of the Million Dollar Round Table, a remarkable achievement that speaks volumes about his expertise and his deep-seated belief in helping others secure their financial futures.

Beyond his professional accomplishments, Steve was a man who believed in giving back to his community. He served as a Director on the Boards of the Orlando Foot and Ankle Clinic, Spirit of Life Ministries, and Fresh Start Ministries, providing his guidance and wisdom to organizations dedicated to improving the lives of others. Additionally, Steve was instrumental in helping to establish the Came To Believe Retreats for Alcoholics Anonymous (AA), a program that has provided hope and support to countless individuals on their journey to recovery.

At the heart of Steve’s life was his family. He and his wife, Sue, shared a beautiful and enduring partnership since their marriage in 1961. Together, they raised two children, Karen and Doug, and were blessed with five grandchildren, who were a source of immense joy. Steve’s warmth, integrity, and genuine care for people created a ripple effect of positive change that will be felt for years to come.

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: Scott@fbplans.com

Office: (407) 960-7747

Fax: (407) 869-7560

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: Shari@FBPlans.com

Office: (407) 862-5900

Fax: (407) 869-7560

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: Sheila@FBPlans.com

Office: (407) 960-7746

Fax: (407) 869-7560

Andrew is a native Floridian who grew up locally in Oviedo. He has over 11 years of employee benefits experience and lives by the motto excellence is a habit, he utilizes this to drive results within the operations team and in turn to all clients of FBP. He believes in making insurance easy for employers and employees by providing excellent customer service and utilizing technology to help people as if they were family. In his free time, he enjoys traveling to see his family in Colombia and trying new restaurants around Orlando.

Tina Wittman joined Fringe Benefit Plans with more than 25 years of experience working with national carriers and brokers throughout the Florida market.

She began her insurance career in 1989 as a New Business Sales Administrator and quickly advanced to a Large Market Service Representative. Tina later transitioned to the brokerage side, serving as a Mid-Market Service Account Manager for both local and national agencies. Over the years, she has supported employers of all sizes with their fully insured and self-funded benefit offerings. Specializing in comprehensive employee benefits, Tina leverages her broad expertise to strengthen the connection between employers and their employees. Her focus on tailoring solutions to each organization allows her to put her extensive industry knowledge to effective use.

Outside of work, Tina enjoys volunteering at a local cat rescue, attending Gator games, and serving as a member of First Baptist. She also volunteers with the Next Step Foundation, supporting efforts to build bridges for individuals experiencing homelessness and mental health challenges. A Central Florida native, Tina is dedicated to her family and currently resides in Mount Dora

Mark has a BS Degree in Criminology and a Minor in Communications from Florida State University. He also has a Master’s Degree in Public Administration with an emphasis in Finance from FSU. Mark grew up in Orlando and has been in the Insurance Industry since 1991. He is a two-time Past President of NAIFA Central Florida. He was the NAIFA Florida State President in 2009-2010. He has served NAIFA at the local, state, and national levels, and has been an industry leader for many years. Mark enjoys helping clients meet their benefits needs. Mark is married to Cindy, and has two children- Matt and Megan, and three step children- Stephanie, Matt, and Tiffany.

Michelle started her employee benefits career with voluntary insurance products in 2016.
She is a Florida native, is rarely seen without a smile on her face, or sporting her favorite color, pink. She has a daughter Alicia, and a grandson, Wyatt, that bring her the most joy. She also loves her Jeep Life and when the weather is right you’ll catch her riding with the top off at the beach and her two puppies hanging out the window.

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.

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.

Steven is a native Floridian and attended Bethune-Cookman University in Daytona Beach, Florida where he received a Bachelor of Science degree in Mass Communications. He has worked in the Healthcare industry for ten years, loves people, and wants to make sure that our groups receive the best quality of customer service. He and his wife have been married since 2015 and they have two boys and a girl. He loves sports and staying active and is a huge Jacksonville Jaguars and Atlanta Braves fan.

Lourdes has worked in the Healthcare employee benefits industry for over 25 years. Her ultimate goal is to provide the best possible service to the clients. She currently resides in New Jersey and is anxiously looking forwards to make her move to Florida. She has three children. In her spare time, she enjoys reading and relaxing by the beach or pool. She also enjoys gardening and spending time with my family.

Bio coming soon!

Enterprise Sales Executive committed to advancing Fringe Benefit Plans’ mission of delivering innovative solutions that enhance employee well-being and organizational success. With over 7 years of B2B experience, including 2+ years in enterprise SaaS and cloud technologies, I specialize in consultative sales that align with HR and benefits strategies. My expertise in HRIS, data integration, and cloud infrastructure enables me to design tailored solutions that empower businesses to create exceptional employee experiences. Passionate about building strategic partnerships and driving value through comprehensive fringe benefit offerings.

Lourdes has worked in the Healthcare employee benefits industry for over 25 years. Her ultimate goal is to provide the best possible service to the clients. She currently resides in New Jersey and is anxiously looking forwards to make her move to Florida. She has three children. In her spare time, she enjoys reading and relaxing by the beach or pool. She also enjoys gardening and spending time with my family.