About Us

Financial Brokerage Services, based in Cabin John, Maryland, provides full-service employee benefit design for corporations and financial planning and wealth management for individuals throughout the country. We invite you to learn more about our talented staff.


Paul (“Kit”) Arbo, CLU, ChFC, AEP

Kit, founder and President of Financial Brokerage Services, has over 30 years of experience in employee benefits, insurance and estate/financial planning. He holds designations as a Chartered Life Underwriter, a Chartered Financial Consultant and an Accredited Estate Planner. Kit is a graduate of the University of Virginia and holds an MBA in International Management from the American Graduate School of International Management.  Kit is securities licensed and is a Registered Investment Advisor representative of Four Points Capital Partners, LLC. Currently, he has approximately $50 million of Assets Under Management (AUM).


Jennifer M. Carroll, CBC

Jennifer, a partner in Financial Brokerage Services, has over 25 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. Jennifer is an active member of the National Association of Health Underwriters, the Society for Human Resource Management and the International Foundation for Employee Benefit Plans. Jennifer is a Chartered Benefit Consultant.


Michele L. Baker, CBC

Michele is the Senior Account Specialist for Financial Brokerage Services and has been with the firm for over 20 years. Michele is responsible for servicing the firm’s Health and Welfare national accounts clients (10,000+ employees) and specializes in the sales and service of individual health and consumer directed health plans. Michele is a Chartered Benefit Consultant.


Kathleen Karns

Katie is a Client Services Manager and licensed agent who has been with the company for over ten 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. In order to guarantee the success of our client’s benefit programs, Katie assists clients with development of customized benefit communications, renewal alternatives and analysis, claims escalations, carrier audit resolutions and compliance with COBRA and continuation laws.


Active Members of Financial Planning and Health Care Organizations

We’re proud to be members of the leading associations in the financial planning and health care management industries. We continually strive to achieve the highest standards established by these organizations.