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www.herzfinancial.com
The
Herz Financial
Difference
Independent
We are an independent financial advisor and work
with all the top companies to provide you the best
retirement plan for your company.

Relationships
We are committed to building long-lasting trusted
relationships with our clients.

Experts
With over 100+ years of combined experience, our team
has the knowledge and expertise to deliver the right
solutions for your needs.
Our Plans
We offer the leading full service employer sponsored retirement plans.
Our 401(k) plans are available through the top industry platforms and include:

• Expert investment advice

• Full enrollment services
• Ongoing employee education
• Latest and most reliable technology
• Either bundled or unbundled third party administrators
• Fiduciary protection

Investments
We work closely with your team to develop a thoughtful approach to your
plan design and fund selection. We carefully review all of your fund options
with special attention to diversification and specific performance attributes.
Our fund offerings are extensive, top rated, and will provide your plan the
most flexibility.
Are you heading in the right direction?
Our Service
Promise
Design
Comprehensive plan design and structure to maximize your plan’s
benefits for owners and to encourage positive employee behavior.
A wide range of investment options are available. We coordinate
with you to select an investment line-up, and annually monitor
funds and plan performance metrics.

Implement
Seamless plan conversion and implementation for plans that
change providers

Educate
Excellent employee education meetings that encourage
employees to enroll, save money, invest better, and plan smarter.
We offer complementary one on one, personal financial advisory
service to all employees in our plans.
Support
Outstanding support for business owners, human resources
personnel and employees. We make your job easier, save you
time, and help you manage your fiduciary duties.

Implement
Conservative
Designed for investors who
are seeking current income
while providing nominal capital
appreciation for investors with a
low tolerance for risk.
Design Global Equity 15%
US Large Cap 10%
Int'l Developed 5%
Global Bonds 80%
Multisector 10%
Int'l Bonds 10%
Inv Grade Bonds 15%
TIPS 10%
Short Term Bond 10%
Money Market 5%
Support
High Yield 20%
Real Assets 5%
Natural Resources 2%
Real Estate 3%
The Model Portfolios do not provide comprehensive investment advice,
such as advice on buying a specific stock or bond, and should not be
considered the sole or primary basis on which you make your investment
decisions. Model strategies are exposed to the specific risks of the funds
directly proportionate to their fund allocation. The funds comprising the
strategies and the allocations to those funds have changed over time
and may change in the future. Securities products involve investment
risk, including the possible loss of principal. Advice provided and/or
recommendations made should be consistent with your investment
objective(s), risk profile, financial circumstances, time horizon, etc. Before
investing, carefully consider the investment objectives, risks, fees, and
other important information about the underlying investment options. This
Educate
information can be found in the investment company prospectuses. You
can obtain copies of prospectuses from your representative. Please read
the prospectus carefully before investing.
Investment products are not insured by the FDIC, the Federal Reserve
Board, or any other agency and are not deposits or obligations of, nor
guaranteed or endorsed by, any bank or savings association.
Securities and investment advisory services are offered solely through
and variable products underwritten by, Ameritas Investment Corp. (AIC),
member FINRA/SIPC and a registered investment adviser. If you would like
more detailed information about AIC’s investment advisory services, you
should obtain a copy of AIC’s Form ADV Part II, which outlines the fees,
expenses, and investment parameters associated with the AIC’s advisory
platform. This disclosure document should be read carefully before
investing. Herz Financial and AIC are not affiliated. Additional products and
services may be available through Herz Financial or it’s associates that are
not offered through AIC.
Pricing
It is our goal to offer the most value to your company and your employees.
Because what you are charged can have a significant impact to the performance
of your plan, we are committed to providing the lowest fees in the industry.1 2

There are four sources of fees in a traditional 401(k) plan.

Do you know how much you are paying?

1 2 3 4
3rd Party Financial Mutual Fund Record
Administrator Advisor Expense Ratio Keeper

Conservative
Designed for investors who
are seeking current income
while providing nominal capital
appreciation for investors with a
low tolerance for risk.
Global Equity 15%
US Large Cap 10%
Int'l Developed 5%
Global Bonds 80%
Multisector 10%
Int'l Bonds 10%
Inv Grade Bonds 15%
TIPS 10%
Short Term Bond 10%
Money Market 5%
High Yield 20%
Real Assets 5%
Natural Resources 2%
Real Estate 3%
The Model Portfolios do not provide comprehensive investment advice,
such as advice on buying a specific stock or bond, and should not be
considered the sole or primary basis on which you make your investment
decisions. Model strategies are exposed to the specific risks of the funds
directly proportionate to their fund allocation. The funds comprising the
strategies and the allocations to those funds have changed over time
and may change in the future. Securities products involve investment
risk, including the possible loss of principal. Advice provided and/or
recommendations made should be consistent with your investment
objective(s), risk profile, financial circumstances, time horizon, etc. Before
investing, carefully consider the investment objectives, risks, fees, and
other important information about the underlying investment options. This
information can be found in the investment company prospectuses. You
can obtain copies of prospectuses from your representative. Please read
the prospectus carefully before investing.
Investment products are not insured by the FDIC, the Federal Reserve
Board, or any other agency and are not deposits or obligations of, nor
guaranteed or endorsed by, any bank or savings association.
Securities and investment advisory services are offered solely through
and variable products underwritten by, Ameritas Investment Corp. (AIC),
member FINRA/SIPC and a registered investment adviser. If you would like
more detailed information about AIC’s investment advisory services, you
should obtain a copy of AIC’s Form ADV Part II, which outlines the fees,
expenses, and investment parameters associated with the AIC’s advisory
platform. This disclosure document should be read carefully before
investing. Herz Financial and AIC are not affiliated. Additional products and
Takeservices
control of your
may be available retirement
through Herz Financial plan.
or it’s associates that are
not offered through AIC.
Blue Back Square 1. We offer plans from many carriers and work with several TPA’s. The specifics regarding platforms, TPA’s, and fees will be disclosed during
75 Isham Road the sales presentation and are based on the carrier and size of the plan.

The Lexicon, Ste 320 2. Investment products are not insured by the FDIC, the Federal Reserve Board, or any other agency and are not deposits or obligations of, nor
West Hartford, CT 06107 guaranteed or endorsed by, any bank or savings association.

Phone: 860.232.5050 Securities and investment advisory services are offered through and variable products underwritten by, Ameritas Investment Corp. (AIC),
member FINRA/SIPC and a registered investment adviser. If you would like more detailed information about AIC’s investment advisory services,
Fax: 877.840.2449
you should obtain a copy of AIC’s Form ADV Part II, which outlines the fees, expenses, and investment parameters associated with the AIC’s
www.herzfinancial.com advisory platform. This disclosure document should be read carefully before investing.