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Judy FryerManager

Judy is a manager in the Retirement & Medical Plans Department of Saltmarsh, Cleaveland & Gund. She has been practicing in this field since 1982 and has significant management, medical billing, CPT and ICD9 coding experience. Her primary areas of concentration include supervision of claims processing; adjudication of medical, health and dental claims.  She provides FSA benefit education and enrollment, consulting and plan design for FSA, HRA, QSEHRA and HSA plans.  She does consulting for the firm’s employee benefit plans clients. She also provides Annual Health & Welfare 5500 filing.  Judy is a Certified Section 125 Administrator through the HR certification Section 125 training program and remains compliant with HIPAA training and active membership with the Employee Benefits Institution of America (EBIA).


  • Certified Section 125 Administrator - HR certification Section 125 Training & Certification Program
  • Section 125 Administrator Training - MHM Resources, Inc.

Professional Affiliations

  • HR certification Group - Professional Member
  • Employee Benefits Institute of America (EBIA) - Professional Member

Community Affiliations

  • North West Florida Wildlife Sanctuary - Volunteer
  • Five Flags Sertoma - Member
  • Escambia County School Board - Mentor

Areas of Practice


Saltmarsh CPA - Who We Are

Who We Are

Our professionals have the depth of experience, industry knowledge and worldwide resources to help you reach your goals. We put your success above all else as your trusted advisor.

Saltmarsh CPA - What We Do

What We Do

Saltmarsh offers a full range of professional services to accommodate your needs – from tax planning and accounting services to information technology and employee benefits consulting.

Saltmarsh CPA - Who We Serve

Who We Serve

Saltmarsh serves individuals and businesses. Personal attention, access to the right professionals and rapid response is how we serve.

Contact Us

(850) 243-6713

(407) 203-8990

(615) 661-0885

(850) 435-8300

(813) 287-1111

(800) 477-7458

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