Richard Ritchie, ChFC, – formed Risk & Insurance Consulting Services, LLC (RICS) in 1997. With his extensive experience in the industry Rick has dedicated more than 25 years in delivering reinsurance and insurance solutions to our clients.  He assigns paramount importance to building relationships that are lasting and based on value over those based just on profits. He is incessantly searching for effective, affordable, and innovative solutions for our clients. Rick is a graduate of Georgia State University and holds the professional designation of Chartered Financial Consultant from The American College.
Jamie Brown, HIA, MHP, Vice President – has been brokering reinsurance for RICS for 12 years and has over 17 years prior experience in Accident and Health insurance with Anthem Health. She manages several accounts; supporting both medical excess reinsurance programs and stop-loss MGU facilities.  Additionally, she is responsible for new business development. Jamie holds a BA in Business Management/Marketing from Mercer University, and professional designations: Health Insurance Associate and Managed Healthcare Professional.

Michele Toro, CFO – Michele is responsible for handling all aspects of the corporate accounting for RICS. Michele has a degree of excess insurance and TPA accounting knowledge that comes only after working within the industry for 14 years. Michele holds a BSBA in Accounting from the University of Central Florida.

Tammy Chambers, Program & Treaty Services Manager – Tammy is responsible for maintaining all client services and has 8 years experience in reinsurance accounting and contracts. Tammy tracks and reports the complex details of medical reinsurance. Tammy sold and serviced retail health insurance before joining RICS and is a licensed Life, and Accident & Sickness Agent in several states.

Stephanie Marbut, Account Manager – Stephanie assists clients in tracking and reporting accounting details for her clients. In addition, Stephanie handles the placement or renewal of her accounts along with treaty documentation. Stephanie holds a B.A. in Interdisciplinary Studies from Berry College.

Ron Rogers, Office Manager / Technology Associate – Ron is in charge of office functions and computer technology for RICS.   Ron handles our communication and internet capabilities as well as ensuring our clients reports and documents are secure.  Ron has over 35 years of experience in technology.
Greg Kable, Technology Manager – handles our software and hardware needs as well as ensuring proper storage of all electronic documentation.
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