Insurance and Employee Benefits

Our consultative approach is to provide ideas and solutions to help drive results.

About Us

Located in Cabin John, MD, FBS has been a successful employee benefits consulting and brokerage firm for over 30 years.  FBS is an independent, privately held company that has thrived in the local marketplace by providing high quality, objective advice. Our high touch approach to client relationships ensures a personal responsibility to deliver outstanding results in a true spirit of teamwork.


Our team’s organizational philosophy to providing health and welfare brokerage and consulting services is to act as an outsourced extension of our client’s benefits department.

Securities offered through Registered Representatives of Cambridge Investment Research Inc., a broker-dealer, member FINRA/SIPC.  Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.  Paul Arbo is currently registered with Cambridge in Virginia, Washington, DC, Maryland, Delaware and Indiana.  Cambridge and Financial Brokerage Services, Inc. are not affiliated.