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Luke Byars

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Luke Byars heads a risk management team focused on wealth planning for families and businesses. He specializes in the design, evaluation, and implementation of various multi-generational wealth transfer structures that utilize life insurance product(s). He creates sensitivity analysis that help clients and their tax and legal advisors better understand possible outcomes related to specific product types and structures.


While most professionals focus on the asset side of the balance sheet, Luke focuses on the liabilities side to create symmetry for his clients. An often-overlooked aspect of financial planning is asset location. Not only looking the asset’s taxability, but where the asset is domiciled can affect the structure and efficiency of wealth transfer within the plan.


Luke’s team works best by leveraging experience and insight from professional partners. Integrating with client’s existing professional advisory teams enhance not only the outcome, but the client experience. We are very clear about our core capabilities and focus on our strengths. We can be positioned to be involved in the full planning strategy from beginning to end or we can consult as subject matter experts on a variety of specific issues related to wealth transfer on proposed or implemented plans.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), Financial Representative of The Guardian Life Insurance Company of America, New York, NY. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity.   

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