Welcome to CIC Services

About CIC Services

CIC Services, LLC helps clients make an informed decision to create a Captive Insurance Company, facilitates the many steps necessary to install a captive, assists captives in matching their assets to their expected liabilities, and provides ongoing administration and compliance services to keep the captive in good standing during its lifetime.

Meet Our Team

The CIC Team

Sean King, JD, CPA, MAcc

Founding Principal, In House Counsel

Sean is a Principal and one of the Founders of CIC Services, where he serves as In-House Counsel. With a background in accounting, law, taxation, and insurance, Sean is uniquely qualified to work in the captive insurance industry.  He co-founded CIC Services in 2005 and specializes in creatively structuring captives to assist clients in achieving their risk management, asset protection, wealth accumulation, and tax planning objectives.  In 2015, Sean served on the Captive Insurance Companies Association (CICA) committee that developed CICA’s formal Information Statement On Small Captive Insurance Companies.  He has also been a panel speaker on captive insurance companies with CICA and at continuing professional education conferences of the Estate and Trust Section of the American Bar Association.

Sean received his Bachelor of Science degree in Business Administration, Cum Laude, from the University of Tennessee (UT). He also earned his Master’s degree in Accounting with a concentration in Taxation, as well as his Doctor of Jurisprudence (law) degree from UT. Sean holds active licenses as a CPA and attorney.

Sean currently resides in San Juan, Puerto Rico with his wife and soul mate, Cindy.  He is the proud father of identical twin sons, Shelton and Logan, and a daughter, Clara.

Thomas N. King

Founding Principal, Business Development

Thomas N. King (Tom) is a Founding Principal for CIC Services, LLC, Managing Partner for Blue Chip Financial Advisors, LLC, and Retirement Strategies, Inc. in Knoxville, TN. With over 40 years of experience as an advanced financial professional, Tom helps clients design ownership in a Captive Insurance Company so as to better achieve risk management and asset protection goals.

Over his career, Tom has become known in his profession for his dedication and exceptional ability to find the very best financial solutions for clients. Moreover, his solutions provide clients the ability to spend more of their wealth throughout their lives, achieve their wants and dreams, yet preserving significant wealth in their estates. And, most importantly, his goal is to achieve these results with no additional net out of pocket costs to clients.

For almost 30 years Tom served as the head of one of the largest Financial Services Firms in East Tennessee, as General Agent for MassMutual Financial Group and Mutual Benefit Financial Group.

He has been an Elder in the Presbyterian Church USA since 1978, is a member of Fox Den Country Club and is a member of several professional organizations. He has been married for over 40 years to his high school Sweetheart, Laura Jo Nelson King and is the father of Sean G. King, JD, CPA, and Rachel Renee King Green.

Bryan Ridgway, ACI

Principal, COO 

Bryan Ridgway is the Managing Partner of CIC Services, LLC, and leads the company in two areas: 1) working with clients on structuring all-new captive formations, and 2) overseeing all client related management and administrative services. Prior to joining CIC Services, LLC, Bryan served as Finance Director for Professional Holding Company VI, LLC (PHC) where he oversaw the start-up and development of their Captive Management program. Under Bryan\’s supervision, PHC\’s captive program grew to manage over 50 captive transactions in just under 5 years.

Bryan has over 10 years of public accounting experience, most recently as a Senior Tax Accountant specializing in Captive Insurance and Localized Tax Incentive Programs with Heyman and Associates of San Diego, CA.

Bryan was born and raised on St. Croix, U.S. Virgin Islands where he attended and graduated Cum Laude from the University of the Virgin Islands with a Bachelor of Science degree in Accounting. Bryan also has his Associate in Captive Insurance (ACI) from the International Center for Captive Insurance Education. He now lives in Knoxville, TN with his wife and daughter.

Randy Sadler

Marketing & Business Development

Randy has been a Sales and Marketing professional since 2007 when he joined Procter & Gamble’s Brand Management Group. His career transitions have taken him from P&G to Pfizer Pharmaceuticals to the Ellison Group to Jewelry Television. He now leads Marketing and Business Development for SageView Advisory Group and CIC Services, LLC.

Randy has an entrepreneurial bent and is active in investment real estate. He is an owner and principal in Woodlands Management, LLC. His partnerships manage over 400 residential properties. Randy received his Bachelor of Science degree from the United States Military Academy in 1992.

Randy resides in Knoxville, TN with his lovely bride of 19 years, Shannon. They have five children. Randy and Shannon helped found a Classical Christian School in Knoxville that is entering its 9th year with over 130 students. Randy still serves as school board president.

Tim Welles

Business Development

Tim’s 26-year financial services career began in 1989 as the Director of Risk Management for Pi Kappa Phi Fraternity where he oversaw the risk management and insurance programs for the fraternity’s four entities and 130 undergraduate chapters.

Early in his career as a financial services consultant Tim earned his CFP (Certified Financial Planner) designation and held the series 7 and 63 licenses. Tim has practiced as a financial consultant in the areas of employee benefits, investments, life insurance and qualified, and non-qualified retirement plans. In 2000, Tim co-founded, and was a principal, at Benefits Management Group, Inc. Much of Tim’s work during the course of his 25-year career has been with owners of privately-held companies.

Tim served as the Chapter Advisor of the Alpha Sigma Chapter (University of Tennessee) of Pi Kappa Phi for many years and is currently a member of the chapter’s housing corporation board. Tim has been a member of Cedar Springs Presbyterian Church in Knoxville, TN for approximately 20 years.

A native of Buffalo, New York, Tim received his BBA in Finance from the University of Oklahoma.

Tim, his wife of 24 years, and their children reside in Farragut, Tennessee.

Nate Reznicek, ACI, CAB, PMP

Director of Operations

Nate brings over a decade of executive-level client services and management experience. Prior to his time at CIC Services, Nate leads the alternative risk transfer division for one of the largest independent property and casualty brokers in the Midwest.  Nate is also a Certified Analytic Broker™ and provides expertise in the identification of existing and emerging trends that can now (or will in the future) negatively impact their financials.

Mr. Reznicek holds an active Property and Casualty license and a Project Management Professional (PMP ®) certification from the Project Management Institute.  Nate maintains an active leadership position in the captive industry and sits on the Captive Insurance Companies Association (CICA) Programming Committee as well as the International Center for Captive Insurance Education (ICCIE) Curriculum Committee.  He also serves as a subject matter expert on captive insurance for strategic advisors across the country.

A native of Wichita, Kansas, Nate spent his formative years at the University of Kansas and as an Airman in the USAF Air National Guard.  He and his wife Becca are the proud parents of two children and enjoy all things sport-related.

Ram C. Patel

Principal, Case Design

Ram is a Captive Analyst with CIC Services, where he helps with compliance, financial modeling, operational support, and advanced financial strategies for the Captives. He has spent his whole life in the hotel industry while also having a background in Supply Chain Management and Insurance. He also holds a Life license active in TN.

Ram is a very adventurous person and likes to learn about new industries and concepts. He is still very involved in the hotel industry and is part of several major hotel associations. Ram received his Bachelor of Science in Supply Chain Management from the University of Tennessee in 2015.

Ram can be found playing golf, going to UT sporting events, or hanging out with friends when he isn’t working. He resides in Lenoir City, TN.

Samantha Patton

Accounting Specialist

Samantha Patton is an Accounting Specialist at CIC Services, LLC; responsible for reconciliations, bill payments, invoices, and deposits for all captive clients. Prior to joining CIC Services, LLC, Samantha served in a variety of positions with one of the largest health care systems in the region, most recently serving as a Staff Accountant in Corporate Reimbursement. In this role, Samantha routinely worked with federal and state insurances.

Samantha is a native of Lansing, Michigan, and received her Bachelor of Science in Accounting from Colorado State University.

Mary Trowbridge

Office Manager

Mary joined CIC Services with almost a decade of experience in the insurance industry, where she worked for Liberty Mutual. She brings extensive administrative and office coordination experience to her role at CIC Services. Her career has included working in Office Manager and Administrative roles at Kimberly Clark Corporation, Media South and The Weather Channel. She has a long track record of improving operational efficiency in the companies where she worked.

Mary is a native of Knoxville, Tennessee. She enjoys the great outdoors, hiking and making jewelry.