About FMS

Why We’re Unique

FMS was founded in 2001 by Bob Schmaltz based on his 20+ years experience in the Insurance and Financial Services Industry, during which he provided technology products and training to Financial Planners and Insurance Agents.  FMS specializes in individual and small group health, Medicare health plans and retirement planning services. We are a “one stop shop” for all of your health care and retirement services. We are unique in the industry because we are  not tied to any one insurance company…we offer a broad range of products from different companies, which allows us to find  the best plan available for each client.  Our goal is to help you find the best plan based on your budget and lifestyle.


Meet the Team

  • Bob Schmaltz


    Bob has 21 years of experience in the insurance industry, including sales management, training, and product development for insurance, banking and investment companies. Bob founded FMS in 2002 and it has grown to support over 5,000 clients with agents/planners in 12 states.

  • Tammy Johnson


    Tammy joined FMS as a receptionist and later became a licensed insurance agent with the business. Tammy specializes in health insurance and takes great pride in her work and the opportunity to assist clients in selecting plans that best meet their needs. Tammy enjoys spending time with family and friends, bowling, attending MN Wild games, scrapbook retreats and vacationing in Mexico.

  • Liz Rickert


    Liz holds a Bachelor of Business Administration from the University of San Diego. Prior to joining FMS in January 2013 as an Independent Insurance Consultant, she worked for Allianz Life Insurance Co. as a call-center representative advising agents and specializing in annuities, life insurance, and long-term care products. Liz is a member of the Red Wing chapter of P.E.O., which is a philanthropic women’s organization that helps raise money for continuing education for women.  Liz lives in Welch, Minn. She enjoys spending time with her family, cooking, playing golf and cheering on the MN Vikings

  • Heather Schulz


    Heather received a Bachelor of Science in Accounting from the University of Minnesota. She earned her CPA and joined KPMG, LLP, a global accounting firm, where she spent several months in Dublin, Ireland, helping implement new auditing practices. After three years at KPMG, Heather worked as a Financial Analyst at Lifetouch in their church directory division. In August 2012, Heather became the Controller at FMS. Heather lives in rural Red Wing, Minn. In her spare time, she enjoys spending time with her family, running, gardening, and learning how to sew.


Our Partners

FMS partners with organizations that share our view that the way to provide the best plans for each of our clients is to offer a broad range of products from different companies. Our goal is to match the best plan for clients based on their budget and lifestyle.