ExperienceIntellectual CapitalPersonal Service
Westfield, Indiana · Independent · Insurance
A paycheck you can count on — for the rest of your life.
Ted Byrer is a Retirement Income Specialist and Independent Insurance Agent. He shops multiple carriers so the contract fits your life, not a sales quota.
28+
years with Indiana families & businesses
Independent
not tied to any single carrier
Insurance
annuities, life, long-term care, P&C — not securities
14 states
licensed · office in Westfield, Indiana
Why this office
Why work with Byrer Wealth Management, LLC
As a dedicated fixed annuity and insurance specialist — not tied to a single carrier — Byrer Wealth Management, LLC is built to help you cut through product complexity and identify the strategy that actually fits your income needs, time horizon, and legacy goals.
If protecting a portion of your portfolio from market risk and sequence-of-returns risk is part of your plan, let’s talk.
How the work goes
Four steps. No product in the first five minutes.
01
Listen
We map the life you want to fund — the bills, the people, the farm or business, the travel, the care you would want if you needed it.
02
Design the paycheck
Social Security, pensions, and guaranteed annuity income cover the floor. Flexible assets cover the rest. Protection sits around the plan so a death, a disability, or a care event does not unwind it.
03
Shop the independent market
No single carrier owns this recommendation. Contracts are compared for the job they have to do — rate, rider, surrender schedule, and the insurer behind the promise.
04
Implement and review
Paperwork is done carefully. Beneficiaries are set. Then we review as life changes — a spouse retires, a parent needs care, a business is sold.
Services
What this office actually does
- 01Fixed Indexed AnnuitiesTurn savings into a paycheck you cannot outlive.
- 02Fixed Life InsuranceIncome replacement, estate liquidity, and a clean handoff.
- 03Long-Term CareProtect the plan from a care event that can last years.
- 04Disability InsuranceProtect the paycheck the rest of the plan is built on.
- 05Accident InsuranceA defined check when an accident, not an illness, is the event.
- 06Property & Casualty InsuranceHome, auto, umbrella, farm, and business — independently shopped.
Educational guides
Read before you book the hour.
PDF · 2 pages
Sequence of Returns Risk
Two retirees, the same average return, very different endings. Why order matters — and how guaranteed income can take the paycheck off the market’s calendar.
Open guidePDF · 6 pages
Annuities 101
A plain-language foundation for protected income: what an annuity is, how it works, fixed vs. fixed indexed, and the myths that get in the way.
Open guidePDF · 2 pages
Retirement Income Basics
Protected income vs. probable income, and a three-step way to see whether Social Security, a pension, and an annuity cover the bills.
Open guidePDF · 2 pages
The Safety of Annuities
How legal reserves, surplus, parent companies, and state guaranty associations stand behind an annuity contract — layer by layer.
Open guidePDF · 3 pages
Planning for Long-Term Care
What care costs, what it does to caregivers, and four ways to fund it: linked-benefit life, linked-benefit annuity, accelerated life, and traditional LTC.
Open guide
What we do not do
Clear limits make a better specialist.
Securities or investment management
This is not a broker-dealer or a registered investment adviser. We do not sell stocks, bonds, mutual funds, or variable annuities.
A captive agent
We are not employed by a single insurance company. Independence is the point: the contract should fit you, not a quota.
A call center
You work with Ted. Questions do not get routed through a script in another state.
A product pitch in the first five minutes
If we do not understand the paycheck you need, we have no business quoting a contract.
Tools
Run the numbers before you book the hour.
Educational calculators — paycheck gap, savings longevity, Indiana care costs, RMDs. Not quotes.
Open the workshopQuestions
Straight answers
Westfield
Sit down and talk. No script.
226 W Tansey Crossing Westfield, IN 46074. By appointment, Monday–Friday. Serving Westfield, Indiana, and clients in 14 licensed states.