Our History

Wisterm (English: /Wis’terum/) is a British-American multinational financial services firm that provides a range of risk-mitigation products, including commercial risk, investment, wealth, retirement, employee benefit, and reinsurance solutions, as well as boutique consulting. Wisterm currently operates in the Americas and Europe.

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Wisterm, LLC was formed in 2014 to address a growing need for experienced independent insurance consultants. Wisterm was named after John Wister, an America World War II and Korean War hero. In 2022, Wisterm LLC acquired London-based reinsurance broker, RMC Brokers Limited. The company is headquartered in London, England.

In 2014 Ryan Mitchell founded Wisterm. He was 32 years old and had recently graduated from Drexel University with degrees in Engineering and Economics. Prior to founding Wisterm, Ryan worked as Chief Actuarial Officer for RMC Group where he specialized in captive insurance as well as various employee benefit and retirement plans.

Wisterm started when Ryan partnered with his former employer to share expenses and have money to hire office help. He was able to persuade established people in the industry to leave their positions to work with him, including Shane Biltz who had worked with Ryan previously at RMC Group.

In 2015 the company experienced significant organic growth in its captive insurance management and captive insurance consulting practice. This occurred during a time of consolidation in the industry and made Wisterm one of the largest consultants in the captive industry.


On 08 April 2017 Wisterm announced that its headquarters would be moved from Naples, Florida to London, England, although North American operations and jobs remained in Naples.

During the COVID-19 pandemic, in May of 2022 and in response to the U.S. and U.K.’s government announcements that funds will be made available to private businesses, Wisterm announced that it will not take any public funds, stating that Wisterm’s strong financial position placed the company in a position to turn down public funds, allowing the government to reallocate those funds to other sectors in greater need of public funds.

In 2022 Wisterm announced it had acquired reinsurance intermediary and capital advisor RMC Brokers Limited. The acquisition amplified the firm’s broking capabilities, positioning Wisterm as one of the largest players in the captive reinsurance brokerage industry. In 2023, RMC Brokers Limited formally changed its name and now operates as Wisterm Limited.

In December 2022 Wisterm announced in the second half of 2022 it had doubled its reinsurance broking business compared to the first half of 2022.


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We help you remove the burden of business risk and employee benefits planning, and harness its strategic potential. Make the best decisions for your business and get in touch today.

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Predicting and Managing Risk Efficiently

Captive insurance offers tailored coverage and tax benefits for companies like General Motors and SpaceX. But watch out for risks such as cybercrimes. Actuarial services help manage these risks by calculating reserves and premiums. With a skilled team, companies can conquer challenges and enjoy the rewards of captive insurance

A silver book with a red ribbon bookmark between the pages. The words business insurance are written on the book’s spine.

The Importance of Tailored Business Insurance Solutions

Discover the tailored advantages of business insurance, where expert insights meet comprehensive coverage. From personalized protection to invaluable benefits, ensure your business thrives amidst uncertainties.

A laptop computer rests on a desk in front of an open spiral-bound notebook and a wooden pencil. The laptop screen says, “EMPLOYEE BENEFITS” across the top and displays graphics labeled “HEALTH INSURANCE,” “PAY RAISE,” “SOCIAL SECURITY,” and “EMPLOYEES ALLOWANCE” below.

Employee Benefits Portals: Elevating Engagement

Enhance your workforce engagement with cutting-edge technology! Discover the transformative power of employee benefits portals to streamline information access, boost HR efficiency, and provide instant answers to employee queries.

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Retirement Planning in the Modern Era

Employers are reshaping retirement planning, providing personalized benefits, clear communication, and diverse investment options to bridge wealth gaps based on age, gender, and race, fostering an inclusive and confident workforce.

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Best Practices for Protecting Sensitive Health Information

Learn the essential strategies to safeguard electronic protected health information (“ePHI”) and ensure HIPAA compliance.