Meet our Team
Thomas N. King
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.
Tim Welles
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 consult 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.
Ram C. Patel
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.