What We Can Do For You

The Planning Process

Our wealth recovery programs have been developed over 36 years of working with successful business owners and high net worth individuals.  These programs have been developed to help clients focus on their goals and lifetime dreams.  The creative planning modules are broad based and cover retirement planning, succession planning and wealth transfer planning.  In addition, we’ve developed focus modules dealing with specific areas:  Pension Rescue, IRA Recovery, Estate Bypass, Estate Tax Minimizer and Gifts of a Lifetime Program which are specific to individuals and businesses.

Insurance Policy Reviews and Audits

There are three reasons for an insurance review and audit. First, serious mistakes can occur which includes ownership, beneficiary changes, loans, assignments and death benefits.  Secondly, mistakes can usually be corrected and third, during the 80’s and 90’s innovative products were sold with features tied to the returns of the 90’s.  We offer four types of insurance audits:  Life Insurance Policy Check-up, Life Insurance Trust Check-up, Split Dollar Audit and Long Term Care Insurance Policy Audit.  Our services include review of documentation, confirmation of information from insurance carrier(s) and updated policy performance and ratings.

Innovative Underwriting Techniques

Thirty-six years of experience has taught us that one insurance company cannot be all things to all people, particularly when it comes to obtaining insurance for the client who is not in perfect health.  Each insurance company is predisposed to judge a health condition based upon their particular experience and the personal experiences of the individual underwriter.  Our thorough and innovative packaging of the case may put your client in the best position possible to see that your client gets the best long-term value.

Unique Insurance Products

We are independent, fee-based advisors (Registered Investment Advisor).  We feel our position as one of the oldest independent investment and insurance firms in the Tri-State area enables us to provide you with the largest line up of unique insurance products not commonly found in one place.

Fee Based Life Insurance Design

Each insurance company promotes themselves as having the best product and having the highest ratings.  Many insurance agents are actually employed by an insurance company and promote only their company’s product.  Ken Byers & Associates provides, on a fee basis, consultative services designed to ask the right questions and uncover the information that should be known to all parties before a decision is made.  Our services include helping the client select the right product with the right company at the right cost.

Joint Workshops

Our firm has a proven formula for joint venture workshops with accounting and law firms.  We offer a variety of workshops, which cover asset accumulation, asset protection, retirement planning, succession planning and wealth transfer planning.  Typically these workshops have been developed for high net worth individuals, business owners and retirees.  The workshops are a joint venture with both our firm and your firm as an integrated presentation to your clients.