Ted Byrer, Retirement Income Specialist in Westfield, Indiana

The work is retirement income and protection — fixed indexed annuities, fixed multi-year guaranteed annuities, and income annuities, plus fixed life insurance, long-term care, disability, accident, and property & casualty.

He is not securities licensed and does not manage investment accounts. That is a specialization. Licensed in 14 states: Indiana, Alabama, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, North Carolina, Ohio, South Carolina, Tennessee, and Texas.

Conversations are by appointment — phone, video, or at your home — not a walk-in office. The Westfield address is a mailing address only. Indiana Resident Insurance Producer License 2767910. National Producer Number #1498594.

Read Ted Byrer on Substack

Background

Ted works with individuals, families, and businesses in the greater Indianapolis area. His practice is based in Westfield, in Hamilton County. Byrer Wealth Management, LLC focuses on one kind of work: helping households build retirement income and protection with insurance contracts, and helping protect the life they've already built against the financial impact of a death, a disability, or a long-term care need.

Earlier in his career, Ted worked in traditional wealth management. He is no longer securities licensed, and today his practice is insurance only.

That focus is on purpose. Ted is not tied to any single insurance company, and there's no house product to defend. Clients work with a person, not a call center or a rotating team. Byrer Wealth Management, LLC is a BBB Accredited Business and a member of the Professional Insurance Agents of Indiana. View Ted's CAS® listing in the IBF advisor directory. License details and affiliations are on the Credentials page.

How Ted works

Every conversation is by appointment, by phone, by video, or at your home, whichever is easier for you. There's no walk-in office. The Westfield address is for mail only, so please don't plan to meet Ted there. Appointments are Monday through Friday.

Ted works with families in Westfield and across Hamilton County, including Carmel, Fishers, Noblesville, and Zionsville, as well as the greater Indianapolis area. He is an Indiana resident producer and is also licensed in Alabama, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, North Carolina, Ohio, South Carolina, Tennessee, and Texas: 14 states in all. Phone and video meetings make it simple to work together if you live outside central Indiana in one of those states. Coverage can be written only in states where Ted is licensed.

A first conversation starts with your bills, not a product. Ted will want to know what your money has to do: the expenses that must be paid even in a dull year, who depends on you, whether a business or land needs to stay in the family, and what a long care event would do to a spouse at home. If insurance isn't the right tool, he'll say so. If you already have enough coverage, that's the answer.

Because Ted is independent, he can compare contracts from multiple insurance carriers on the job each one has to do: the crediting method or stated rate, the riders, the surrender schedule, and the financial strength of the company behind the promise. The recommendation should fit your income needs, your time horizon, and the people who depend on you. It shouldn't be driven by a quota.

Indiana Resident Insurance Producer License #2767910 · National Producer Number #1498594.

What Ted helps with

Most of Ted's work falls into three areas. Each link goes to a page with more detail.

• Retirement income from annuities. Fixed indexed annuities and income annuities in Westfield can turn part of your savings into a paycheck that works alongside Social Security and any pension to cover your floor of expenses. Here is how Ted compares income annuities, income riders, and MYGAs for guaranteed lifetime income. A fixed indexed annuity is not invested directly in the market. Interest credits are limited by caps, participation rates, or spreads, and surrender charges apply. Annuities are not FDIC insured and are not bank deposits. Any guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
• Hybrid long-term care. Hybrid long-term care insurance is a life insurance policy or an annuity with a care rider. It can help pay for qualifying care so less has to come out of a spouse's savings, and it can leave a death benefit or annuity value if care is never needed. Traditional long-term care insurance still fits some households, and Ted will lay the options side by side. All coverage is subject to policy terms, limitations, and underwriting.
• Fixed life insurance. When a known amount has to show up at a known time, such as replacing income for a surviving spouse or providing cash for an estate, fixed life insurance, including indexed universal life, may be the right tool. Term and other fixed life designs are on the table too. Life insurance is subject to underwriting and policy terms.

Ted also writes disability, accident, and property & casualty coverage when a household or business still needs it.

Every client of Ted Byrer, Retirement Income Specialist and Independent Insurance Agent, gets access to a secure Client Portal to view their guaranteed income plan and contract details online, any time.

Worth reading first

• Fixed indexed annuities with guaranteed lifetime income: how a lifetime income rider works, what it costs, and why the income base isn't cash you can withdraw.
• MYGA rates vs. CDs: how to compare a multi-year guaranteed annuity with a bank CD on more than the headline number.
• Hybrid long-term care, without the folklore: asset-based life and annuity designs that can help pay for care.
• Term life insurance: how it works: a death benefit for a defined window of risk, and how to choose the amount and the length.
• A paycheck you cannot outlive: why retirement is a monthly problem, not a balance on a statement.

Start with a conversation

If you'd like to talk through your own situation, the first conversation is no-cost and no-obligation, by phone, video, or at your home. Call 317-900-6970, email ted@byrerwealth.com, or use the Contact page.

Ted Byrer is a licensed insurance professional, not a registered investment adviser or broker-dealer, and does not offer securities or investment advice. Insurance and annuity products are issued by third-party insurance companies. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not FDIC insured and are not bank deposits, and surrender charges apply. This page is educational and is not tax or legal advice.