For over 30 years, Financial Benefit Services has advised clients in every aspect of employee benefits, developing innovative solutions to attract and retain valued employees. Our firm is founded on the principles providing of integrity, trust and unmatched customer service to our clients.


FBS provides the total benefit solution through our benefit consulting, benefit administration, and online benefit enrollment services. Through this comprehensive approach, we are positioned to assist clients in creating value, education, and superior benefit platforms for employees.


Our proprietary online enrollment software extends more flexibility, control, and support for our clients. FBS owns and operates all of the source codes to our system, uniquely positioning our firm in the benefits technology marketplace.


FBS takes pride in our core belief and commitment to providing exceptional service. Our service model is designed to specifically address concerns associated with day-to-day administration of employee benefits including:

  • Strategic Insight- provided by our licensed Benefit Consultants
  • Plan Development and Enrollment Coordination - from our Implementation & Customer Service Team
  • Software Support - through our Benefit Technology Team
  • Billing Reconciliation - managed by our Billing Team


In a healthcare environment comprised of change and uncertainty, FBS equips employers with the knowledge and insight to help see employee benefits in clear perspective. Education in the benefits landscape ranging from legislative processes and compliance standards, to insurance topics and employer trends, is made conveniently available through our company of licensed benefit professionals.


Founded in 1991, FBS made its mark by becoming one of the first firms in Texas to provide an online enrollment solution to Public entity employers, eliminating the need for paper-based enrollments.  Years later, FBS continues to be at the forefront of innovation with our advanced benefit technology platform, giving employers a comprehensive HR tool to assist with recruiting and retaining a productive workforce.

Kyle James | Managing Partner
Coby James | Managing Director, Chief Sales Officer
Nick Phillips | Executive Vice President of Operations
Russ Edwards | Senior Vice President, Group Medical Services
Stacia Wirth | Vice President of Billing & TPA Services

As a Higginbotham partner, FBS can serve your regional and global insurance, financial and HR service needs, whether they’re for your business, employees or family. Together, we’re one of the largest independent brokers in the nation. No matter what kind of insurance plan you’re looking for, we can provide options for it.

Higginbotham is comprised of regional offices that combine resources and expertise to provide a single source solution for commercial and personal coverage, employee benefits, retirement plans, life insurance and executive benefits through broad market representation.

But it doesn’t stop there.

Higginbotham has in-house subject matter experts providing support after we place your coverage on day one – we call this Day Two Services®. We’re involved throughout the term of your insurance policy, not just at renewal. Our Day Two Services® encompass everything you need to manage your risks, limit your liability, administer your plans and control your costs.