Fred lives in St. Cloud, Minn., with his wife Carolina, and has an extensive background in the banking industry. He is the current owner of Shermock Financial, Inc. Volunteer work is important to Fred, and he is involved in many groups and organizations. They include: United Way (Finance committee), Central Minnesota Council Boy Scouts of America, Central Minnesota Community Foundation and Central Minnesota Habitat for Humanity. He is also on the City of St. Cloud Veterans Day Parade committee. Fred enjoys canoeing as well as canoe camping, cross country skiing, biking, muskie fishing, writing poetry and public speaking (especially in a university classroom setting.) His musical talent is playing the 12-string guitar.