The Owner Track
For owner-led companies in the $1M–$50M range. Identify and close protection gaps before a death, disability, or partner dispute forces rushed decisions.
See the Owner Track
Independent Insurance Consultancy · Colorado, Florida & Texas
Protect the business you spent decades building.
We work with closely held business owners — and the CPAs and attorneys who serve them — closing the key-person, buy-sell, and continuity gaps most planning conversations never reach.
Contractors
Get your free valuation →
We talk to business owners like one of their own — because we’ve been one.
01Independent — we answer to you, not a carrier.
02Licensed in Colorado, Florida & Texas.
03Consultant-first — analysis before any product.
01
Choose your path
02
Approach
Greg Knezevich
Founder · Former Business Owner, MBA
“I built and ran companies myself. I saw how many successful owners have massive uninsured blind spots — and no one at the table to address them at a peer level.”
Summit Harbor Group serves owners across two high-net-worth markets — the Roaring Fork Valley, Colorado and Naples, Florida — that traditional financial advisors overlook.
01
Consultant-First
We lead with analysis, not products. Every engagement starts with deep fact-finding on your actual exposure before any solution is discussed.
02
Advisor Partnerships
We work alongside your CPAs, attorneys, and wealth managers to fill the gaps they don’t cover — never to compete with them.
03
Local Market Focus
Deep roots in Naples, FL and the Roaring Fork Valley, CO — we know these markets, the business communities, and the risks local owners face.
03
Services
Three tiers of business owner protection.
Tier 01
Business Protection Core
- Key person life insurance — protect revenue tied to the owner or a critical employee
- Buy-sell agreement funding — life and disability solutions for ownership transitions
- Business overhead expense coverage for disability events
- Personal income protection for the owner
Tier 02
Continuity & Succession
- Succession planning — funded buy-sell agreements and ownership transfer
- Estate liquidity and inheritance equalization analysis
- Family business succession for active and inactive heirs
- Business continuity and liquidity workbook review
Tier 03
Executive & Growth Strategy
- Executive bonus plans (IRC §162) for key employee retention
- Selective executive benefit arrangements
- Deferred compensation strategy for high-income owners
- Funding analysis for retirement transition and internal sale
04
Where we work
Naples, Florida
~1,500–1,950 target businesses
- Luxury real estate and construction firms
- Medical and professional practices
- Family-owned hospitality businesses
- High-net-worth owner-operated companies
Roaring Fork Valley, Colorado
~710–1,020 target businesses
- Aspen-area luxury builders and developers
- Resort and hospitality operators
- Professional service firms
- Owner-dependent businesses in the $1M–$50M range
05
Who we work with
Owner-dependent businesses, where the owner is the business.
Construction & Contracting Firms
Medical & Dental Practices
Real Estate Brokerages
Law Firms & Professional Services
Luxury Hospitality Operators
Manufacturing & Trade Businesses
06
Free resources
Knowledge that protects your business.
For Business Owners
Built to Last: The Owner’s Complete Guide to Protection
Identify and close the gaps that put your business — and your family — at risk.
Get the Owner Guide
For Contractors
Free Contractor Business Valuation Tool
Most contractors leave 30–60% of their value on the table at exit. Find out what your business is worth in 60 seconds.
Get Your Valuation
For Contractors
What Your Family Gets If You Die Tomorrow — or Can’t Work for 12 Months
A plain-language guide for GCs and trade contractors: licensing, bonding, personally guaranteed debt, and the Four Paths Contractor Continuity Map.
Get the Contractor Guide
For CPAs & Attorneys
Your Clients Have Gaps: What Advisors Need to Know
The protection conversation most advisors aren’t having — and why it matters for your clients and your practice.
Get the Advisor Guide
Ready to talk?
Three booking paths. Pick the one that fits.
Owners book a Discovery Call. CPAs and attorneys book a Partner Intro. Contractors book a Contractor Strategy Session. Each path is built for a specific conversation — no shared queue, no mixed agenda.