James A. Ward Jr., LIC is President of Ingenuity Group, LLC (Clarkston, MI), an independent Commercial Insurance Agency, Employee Benefits, and Risk Management Services firm serving small and middle market companies, institutions, non-profits, and Individuals / Families. Ingenuity Group provides commercial insurance services as an Agent / Broker compensated by commissions and / or fee based Licensed Insurance Counselor consulting services for Property, Casualty, Accident & Health. Ingenuity Group LLC - Insurance Consulting Services ◦Risk Management Services ◦Self Insurance Feasibility Studies ◦Merger & Acquisition - Commercial Insurance & Employee Benefits Integration Modeling ◦Property & Casualty & Employee Benefits Benchmarking with Request for Proposal ◦Human Resource - Generalist via HR 360 Platform (3rd Party Subscription Services) ◦Third Party Administrators - Cafeteria Plans, HSAs & HRAs, (SPDs) Wrap Summary Plans ◦PPACA - Health Reform Act Compliance Review & Employee Benefits Plan Restructuring ◦Board of Directors & Advisory Council Member Training Insurance Licenses State of Michigan (Resident Agency/Agent Insurance Licenses) Property, Casualty, Life, and Accident & Health, Variable (LIC) Licensed Insurance Counselor (Property & Casualty) with permission for Accident & Health insurance Consulting Services Non-Resident Agency / Agent Insurance Licenses: Florida, Illinois, New Jersey 2016 Medicare Certifications National: AHIP; Carrier: Blue Cross® Blue Shield® of Michigan / Blue Care Network Insurance Industry Association Membership National Associaiton of Health Underwriters - "NAHU" Metro Detroit Association of Health Underwriters - "MDAHU" Independent Insurance Agents & Brokers of America, Inc - "BIG I" Michigan Association of Insurance Agents - "MAIA" ________________________________________________________________________________