A long-time manager in Barbados, The Towner Management Group is a new name in the United States. Our executives, however, are as well known as any in the industry. The TMG Management Team includes some of the most experienced and respected professionals in the industry. The lead executives of TMG's U.S. operations, for instance, have more than a century of captive management experience, making them as well-versed in domestic captive insurance issues as any in the United States.

With more than two decades of international business and captive management experience, Christopher Towner is the founding Chairman of Towner Management Group and of The St. James Group, a facilitator of international business and asset management solutions. St. James Assurance Corporation, part of The St. James Group, is a separate account insurance company licensed in all classes of business, except auto and marine, and acts as a rent-a-captive. Christopher is a Fellow of the Institute of Chartered Accountants in England and Wales, of the Chartered Association of Certified Accountants and of the Institute of Chartered Accountants of Barbados. He is also a past President of the Barbados International Insurance Association, which subsequently merged into the Barbados International Business Association.

CEO and Partner of TMG's U.S. operations, Guy Ragosta has almost two decades of experience in captive management. Most recently CEO of Marathon Health, Guy was the Regional Executive Director for Willis' Captive, Actuarial, Pooling Solutions (CAPS) division for a dozen years, helping to establish an international consulting network with 14 offices in the U.S. and Caribbean. Prior to joining Willis, Guy served as the Director of Financial Services to the Vermont captive insurance industry for KPMG Peat Marwick and was a Director of Tax Services for Ernst & Young.

A Partner of TMG's U.S. operations and a certified financial examiner, Len Crouse is one of the most respected professionals in the captive insurance world. Prior to joining TMG, Len was Deputy Commissioner and Director of Captive Insurance for the Vermont Department of Insurance for most of the past two decades. During his tenure there, Vermont grew to become the second largest domicile in the world, as measured by total written premiums, and its captive regulations became a model for regulators throughout the U.S. A frequent author and speaker on captive insurance, Len was presented with a lifetime achievement award by the Captive Insurance Companies Association in 2007.

President of Towner Management in Barbados, Ricardo Knight has been a member of the Towner Management team since 1994. A Fellow of the Chartered Association of Certified Accountants and of the Institute of Chartered Accountants of Barbados, Ricardo is also a past President of the Barbados International Business Association. Additionally, the Prime Minister of Barbados appointed Ricardo to a two-year term as Chairman on the Joint Policy Working Group on International Business and Investment Promotion, which advises on policy and procedures.

A 30-year veteran of the captive insurance industry, Thomas P. Stokes is Managing Principal of The Towner Management Group (NY) LLC and Consulting Practice Leader of TMG’s U.S. operations. Stokes was most recently managing director and practice leader, Risk Finance Consulting, for Aon Global Risk Consulting. There, he headed up the alternative risk arm of AGRC’s business. Previously, Tom was Managing Director for Willis of New York. Additionally, he has completed a condensed Harvard MBA program for corporate executives and is a member of the Tax Executives Institute.