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Individual Services
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Ken Byers & Associates is an independent, fee-based advisor. We help our clients build and preserve their wealth. Our process involves gathering facts, making observations and recommendations and then implementation. We serve as value-added buyers of services including investments, insurance and related products.
Wealth Transfer Planning Without a proper wealth transfer plan, your children and grandchildren may have to give up a substantial portion of their inheritance to the federal government. Ken Byers & Associates can design a plan that may help to maximize your income and preserve your assets after death. This may increase dramatically the amount of wealth your children and grandchildren will receive. We help preserve estates for generations by providing creative strategies to address the federal transfer tax system, which includes gift taxes, estate taxes and generation-skipping transfer taxes in addition to excise, capital gains and income taxes. We educate our clients and help them take advantage of exempt transfers, annual exclusions, deductions from the gift tax, discounts and the unified credit.
Retirement Planning for the Individual Qualified retirement funds can be the most highly taxed asset an individual owns. Yet, with proper planning for withdrawals, distribution, and beneficiary designations you may be able to maximize your income and minimize your taxes. We work with you to grow your money during the building years. We advise you on your options with rollover money and counsel you on how you may effectively invest in your current plan. We help manage your expectations and educate you about investments. Most importantly, we work with you to protect your savings for use in your golden years.
Life, Disability Income and Long Term Care Insurance Ken Byers & Associates works with clients to ensure they are protected for the unexpected setbacks or the catastrophic occurence. Using life insurance products, we will recommend appropriate coverage for each family's situation. In addition, we are very knowledgeable about life insurance products that are more flexible in their use, such as variable universal life and equity-indexed life insurance policies. Based on your financial goals, these, and many other types of life insurance policies, can be used for tax minimization, retirement savings and estate planning. In addition, Ken Byers & Associates provides clients with disability insurance as a means for insuring their greatest asset--their ability to earn an income. When you consider that one out of seven workers will be disabled for five years or longer before normal retirement, disability insurance is necessary today for insuring a family's well being and standard of living. Long term care is now a growing concern when planning for the golden years. Ken Byers & Associates will help implement a program, if needed, to insure that your assets are not depleted by long term care costs of nursing care or nursing homes.
Investments Ken Byers & Associates can help you with all of your investment needs through our independent broker dealer, ValMark Securities. We manage our clients expectations by utilizing well-known money managers who invest our clients' portfolios based upon their risk tolerance, time horizon and goals. Throughout your relationship with Ken Byers & Associates, as your professional advisor, we monitor your overall financial goals and objectives and recommend an appropriate investment mix which may include real estate investment trusts, alternative investments and/or managed accounts.
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