After entering the insurance business in 1978, Chris founded The Fringe Benefit Company in February of 1983. FBC has enjoyed a sustained period of significant growth from its beginning to one of the largest insurance and benefit consulting firms in the state of Arizona. Chris currently serves as President and C.E.O. of FBC Insurance, Benefits & Consulting.

Chris received his designation as Registered Health Underwriter in 1994 and in 1995 earned his Registered Employee Benefits Consultant designation from the American College. Chris also has his PPACA certification from the America College, a division of the Wharton Business School.

Chris is a national speaker on the Affordable Care Act and its impact on business owners and their employees. He was appointed to the Governor’s work group to create the Exchange in Arizona. He has authored a series of articles on the evolution of healthcare and the subsequent change in business practices. He has recently authored a white paper on the evolution in American healthcare infrastructure which has been presented to President Obama and all 100 Senators in the U.S.

Chris has twice been president of the Blue Cross Blue Shield Broker advisory council and remains involved in helping vendors recognize the needs of employers both large and small. He confessed to being somewhat of an insurance geek.

Chris graduated from Arizona State University with a degree in English Literature. He loves reading, golfing, bird hunting and fly fishing. Chris and his wife, Shawn, have been married for over 39 years. They have been actively involved in the Young Life ministry for over 26 years and founders of African Start. Chris and his family attend Highlands Church in Scottsdale. Both he and Shawn are very proud of their four sons, Ryan, Aaron, Garrett and Brett.


Garrett joined FBC Services in 2006 as a Marketing Assistant while completing his college degree. In May 2009, Garrett received two Bachelor of Arts degrees from Arizona State University in Political Science and History. After briefly considering the field of politics, Garrett began working with clients to develop their insurance and benefit plans as a consultant and has received his designation as a Registered Health Underwriter (RHU) and his designation as a Registered Employee Benefits Consultant (REBC) in 2012 from The American College, a division of the Wharton Business School.

In August of 2013, Garrett was promoted to Vice-President of FBC Services. In addition to the design and development of his client’s employee benefit plans, Garrett has been instrumental in developing FBC’s implementation and marketing for the Affordable Care Act. Garrett has developed multi-media enrollment technology to make it easier for employees to gain tax subsidy for health insurance, and he consults with clients on compliance obligations and how best to take advantage of the ACA for both large and small employers.

After leading FBC to record levels of new client adoption in 2014 and 2015, Garrett was promoted to Senior Vice President of FBC.

In 2018 Garrett received his designation as a Certified Employee Benefit Specialist (CEBS) from The International Foundation, a division of the Wharton Business School. In addition, Garrett was Self-Funding Certified by The National Association of Health Underwriters (NAHU).

Born and raised in Cave Creek, Arizona, Garrett has been in the Valley his whole life. Garrett currently resides in North Phoenix with his wife Ashlyn and three children Landon, Gavin and Ainsley. He attends Highlands Church and he enjoys spending time with his family, music, world affairs and golfing.


Paul joined FBC Services in 2014 to provide custom individual planning for families and small businesses for homeowners, auto, liability, property & casualty, and life insurance.

Paul’s involvement in Young Life of Arizona, a non- denominational Christian Ministry, led him to his professional career in the insurance industry in 2008. He has worked for several of the top Insurance companies in the country and developed a unique total planning process which educates and informs his clients on all aspect of their coverage.

Paul is licensed in individual Life and Health as well as Individual and Commercial Property and Casualty. In 2014 he received his Life Underwriter Training Council (LUTC) designation from the American College. He is presently pursuing his C.I.C. and C.P.C.U. designations.

Paul was born in Phoenix and attended Paradise Valley High School. He is part of a large, close family. He attended the University of Arizona & Arizona State University. He loves anything active like working out, boating and wakeboarding. He attends Living Streams Church in Arcadia and enjoys spending time with his family & friends.


Brett joined FBC Insurance, Benefits & Consulting in 2014 after a 2 year career in the logistics industry with Trax Technologies. Prior to that, Brett attended Arizona State University and in May 2012, Brett received his Bachelor of Arts degree from ASU in History. In early 2014 he received his insurance license and began work at FBC Insurance, Benefits & Consulting.

Brett works with people helping them understand their insurance needs. Brett began with FBC in the individual market and became fully versed in the Exchanges created by the Affordable Care Act. He is an expert on navigating the Exchanges or Marketplaces so his clients could potentially benefit from Tax Subsidy eligibility if eligible.

With the recent change in health insurance markets, as more and more carriers exit the space, Brett has taken on the small group responsibilities as businesses recognize the value in small group products over the individual market with its inherent tax limitations. Brett continues to educate himself in this ever changing industry. Brett is also ready to help clients with their individual life, dental, long-term care and Medicare supplement insurance needs.

Brett was born and raised in Cave Creek, Arizona and has been in the Valley his whole life. Brett currently resides in North Phoenix with his wife Brittney and son Kevin. He attends Highlands Church and enjoys spending time with his family, music, hunting and golfing.


Brannan Skowronek, better known as “Buck,” began working for FBC Insurance, Benefits & Consulting in October 2016. Previously, Buck worked for Cargill Animal Nutrition as a sales consultant serving the Arizona and New Mexico Markets and made his home in Eagar, AZ.

Buck and Garrett Durkin have been close friends since fourth grade and Garrett was honored to have Buck be the best man at his wedding. Following high school Buck managed a Scottsdale based western entertainment business featuring horse-drawn wagons. In 2006 Buck joined the United States Marine Corps and deployed in support of Operation Iraqi Freedom in 2008. After the Marine Corps, he went to work full time for the Babacomari Ranch in Southeastern Arizona. In 2009 he left the ranch to attend Northern Arizona University and graduated with a Bachelor of Science degree in Forestry in May, 2013. Immediately following graduation, he began working for Cargill managing the Southwest territory until signing on with FBC.

While Buck was born and raised in Cave Creek, Arizona, he has lived in many other parts of the state over the last ten years including Sonoita, Flagstaff, and Eagar. After discovering he and his wife Jordan are expecting twins, they decided to move back to the valley and settle down in a place with lots of friends and family. They attend North Ridge Community Church and he enjoys spending time with his family, team roping, and hunting. Buck is extremely excited and honored to be joining an industry leader in FBC Insurance, Benefits & Consulting.


Caroline joined FBC Insurance, Benefits & Consulting, in 2004 as an account manager after a 6 year career in the hospitality industry. Caroline began as Executive Assistant to Chris Durkin and was responsible for the overall client service and marketing processes for Chris’s clients. Over the years she developed a deep understanding of both the administrative details and health care nuances involved in benefit strategy and design.

Caroline is fully versed in both self-funded and fully insured benefit plans and has worked with clients of all sizes. She has designed and implemented wellness programs as well as laddered and scaleable tiered benefit options. She has a particular expertise with benefit technology and continues to lead our practice in the adoption, implementation and evolution of benefit technology.

Caroline holds a Life and Health Insurance license and is working on her RHU and REBC continuing education designations. She was recently promoted to Vice President of Client Services and oversees the management of FBC’s client services and marketing team.

Caroline has lived in Arizona her entire life. She lives in Scottsdale with her two kids. She attends Scottsdale Bible Church and enjoys reading, movies, and time with family & friends.


Christy Lindvig joined FBC Insurance, Benefits & Consulting and received her State of Arizona insurance license in 1989. She began her career in administration and moved into customer service. She was promoted to underwriter and assisted clients in the implementation of coverage. Ultimately her years of experience in working with both the technicalities of health insurance and the complexity of evolving health care practices required she focus on complex customer claim resolution.

Her considerable expertise and years of experience allow her to be a client advocate and problem solver as health care models continue to evolve. She presently serves as a final advocate for over 300 corporate clients.

In 2015 Christy was promoted to VP of Operations and currently oversees purchasing, accounting and other Human Resource functions for our firm.

Christy is an Arizona native and lives in central Phoenix with her husband, Phil, and three children: Brianne, Katelynn and Andrew. She enjoys attending church services at Bethany Bible Church as well as music, scrapbooking and spending time with her family.


Paul joined the FBC team in 2015 as a Marketing assistant and has since transitioned into a client management role. Paul worked in the Golf and Service industry at The Desert Mountain Club for 12 years prior to joining FBC. Paul received his insurance license in 2015 and began work at FBC Insurance, Benefits & Consulting.

Paul works with clients on a day to day basis educating them and servicing all aspects of their accounts. Paul’s techniques and skills in managing his accounts have allowed him to elevate the level of service we provide at FBC. Paul’s ability to build long term client relationships is also a major strength. He is practiced in the group insurance world and continues to educate himself and clients on the ever evolving Healthcare industry.

Paul was born in Naples, Florida and has lived in Phoenix for the past fifteen years. He resides in North Phoenix with his wife Jessica and his two children, Westyn and Kinzly. Paul loves hiking, golfing, and being outdoors. He attends Pure Heart church and enjoys spending time with his friends and family.


Anne joined FBC Insurance, Benefits & Consulting in 2012. In May of 1999 Anne received her Bachelor of Arts degree from California State Polytechnic University, Pomona in Music. Anne served in the United States Army as a Military Intelligence Officer from 2001 to 2005, then attended seminary. In May of 2008 she received her Master of Arts degree from Multnomah Biblical Seminary. After seminary Anne traveled the country as an event planner for the Luis Palau Evangelistic Association, then settled in Phoenix, Arizona, joining the FBC team in 2012 and received her State of Arizona insurance license for Life and Health.

Anne works with our clients, helping employees understand their benefits, navigate their insurance plan, and resolve claims when the need arises. Anne also works to develop benefit options, analysis tools and communication programs for clients. Anne is the FBC practice lead in organization of databases and agency management systems.

Anne was born and raised in Anaheim, California and has been in the Valley permanently since 2012. Anne currently resides in North Phoenix with her two daughters, three dogs, two cats, and guinea pig. She attends Scottsdale Bible Church and enjoys being a foster parent, volunteering at animal rescues, and taking her dogs to agility training.


Melissa joined FBC in 2017. Melissa began her career in the health insurance industry with Cigna Healthcare in 2001 after graduating from The Master’s University with a degree in Organizational Leadership. At Cigna, her experience was in mid to large business underwriting and gained a great understanding of problem-solving to meet both the needs of the underwriter and the client. Her ten plus years in underwriting and sales in the health insurance marketplace has given her great insight in matching the needs of the client as well as the underwriter’s perspective.

Melissa will be working with the clients of FBC to help them understand their benefits, be a liaison with the health insurance companies, and assist with resolving claims. Additionally, she will be assisting with the implementation of the plans and serve as an advocate and resource for the client.

Melissa was born and raised in Southern California and moved to the Valley in 2004. She currently resides in Central Phoenix with her husband and son. She attends Grace Bible Church and enjoys volunteering at the church, hiking, biking and being outdoors.