Insurance and Employee Benefits

Our Team

Paul ("Kit") Arbo, CLU, ChFC

Kit, founder and President, has over 30 years of experience in employee benefits, insurance and estate/financial planning. He holds designations as a Chartered Life Underwriter, and a Chartered Financial Consultant. Kit is a graduate of the University of Virginia and holds an MBA in International Management from the American Graduate School of International Management.  


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 registered with Cambridge in Virginia, DC, Maryland, Delaware and Indiana.  Cambridge and Financial Brokerage Services, Inc. are not affiliated.


Jennifer M. Carroll

Jennifer, partner and Vice President, has over 30 years of experience in employee benefit design, implementation and administration. Jennifer has multiple roles within the organization including group insurance sales and service as well as overseeing corporate operations. 

Michele L. Baker

Michele is a Senior Account Specialist and has been with the firm for over 20 years. Michele is responsible for servicing the firm’s Health and Welfare national accounts clients and specializes in the sales and service of individual health and consumer directed health plans. 

Kathleen M. Karns

Kathleen is a Senior Account Manager who has been with the company for over 10 years. She is responsible for managing the implementation, administration and renewal of client employee benefit plans as well as the management of vendors to ensure quality of service and accuracy of contracts.