Fred is a proud Annapolitan – born and raised in Annapolis. He has been married to the former Anne Chipchin for more than 38 years and has one adult daughter, Meredith Garfield, and two grandchildren.
- Gonzaga College High School - 1968
- Washington and Lee University - BA, 1972 University of Baltimore - JD, 1975
- Georgetown University Law Center - Graduate Tax Program, 1980
- Law Clerk Judge Matthew S Evans, Circuit Court for Anne Arundel County (1974 - 1976)
- Law Clerk State's Attorney's Office for Anne Arundel County (1976-1978)
- Assistant State's Attorney for Anne Arundel County (1982 - 2014)
- Adjunct Professor Anne Arundel County Community College (1998 - 2009)