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www.herzfinancial.com
The
Herz Financial
Difference
Creative
Custom, thoughtful, innovative strategies for all of
your financial objectives.

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

Access
With over 40 relationships with major financial
institutions and mutual fund companies, we provide
the top services and products in the industry.
Investment Herz Financial’s asset allocation strategies are designed to accommodate
the financial needs of investors at various life stages with different risk
profiles and return objectives. Our strategies are designed to provide

Philosophy
broad diversification across the investment spectrum, reducing portfolio
volatility and increasing the potential of positive investment returns.

The goal of Herz Financial’s investment philosophy is to construct a

diversified portfolio that:
• Focuses on taking risk only where it is adequately compensated
• Provides a framework to manage risk exposure
• Allows skillful managers the flexibility to add value
Invest with confidence.
The Importance of
Asset Allocation
At Herz Financial our approach to portfolio management is
disciplined by nature, focusing on taking risk only where we believe it
will be adequately rewarded over a long investment time horizon.

We are guided by the time-tested principle of portfolio diversification.

Our goal is to manage risk through investments into asset classes

that are not perfectly correlated. To achieve less correlation and thus
reduce portfolio risk we search for sectors and asset classes that
react differently in changing market conditions.
Discovering
The Model Portfolios do not provide comprehensive investment advice,
such as advice on buying a specific stock or bond, and should not be

Opportunities
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
Conservative and may change in the future. Securities products involve investment
We are firm focused on finding long- term value.
risk, including the possible loss of principal. Advice provided and/or
Designed for investors who
Our research is independent giving us are
the seeking
flexibilitycurrent
to think and act
income recommendations made should be consistent with your investment
different from the trend. while providing nominal capital objective(s), risk profile, financial circumstances, time horizon, etc. Before
appreciation for investors with a investing, carefully consider the investment objectives, risks, fees, and
We carefully analyze market conditions and the specific
low tolerance for risk. other important information about the underlying investment options. This
performance of various investment sectors with an eye on
information can be found in the investment company prospectuses. You
discovering new ideas and avoiding pitfalls.
Global Equity 15% can obtain copies of prospectuses from your representative. Please read
US Large Cap
We look for opportunities in un-loved industries, sectors, and 10% the prospectus carefully before investing.
Int'l Developed
countries in our quest for long-term value. 5%
Investment products are not insured by the FDIC, the Federal Reserve
Global Bonds 80% Board, or any other agency and are not deposits or obligations of, nor
Multisector 10% guaranteed or endorsed by, any bank or savings association.
Int'l Bonds 10% Securities and investment advisory services are offered solely through
Inv Grade Bonds 15% and variable products underwritten by, Ameritas Investment Corp. (AIC),
TIPS 10%
member FINRA/SIPC and a registered investment adviser. If you would like
Short Term Bond 10%
more detailed information about AIC’s investment advisory services, you
Money Market 5%
should obtain a copy of AIC’s Form ADV Part II, which outlines the fees,
High Yield 20%
expenses, and investment parameters associated with the AIC’s advisory

Real Assets 5% platform. This disclosure document should be read carefully before
Natural Resources 2% investing. Herz Financial and AIC are not affiliated. Additional products and
Real Estate 3% services may be available through Herz Financial or it’s associates that are
not offered through AIC.
Model Portfolios
Aggressive
Designed for Investors
who are seeking capital
appreciation over a long-term
investment horizon with a
strong tolerance for risk
Global Equity 84%
US Large Cap 30%
US Mid Cap 20%
US Small Cap 10%
Int'l Developed 21%
Emerging Markets 4%
Global Bonds 0%
Real Assets 16%
Natural Resources 6%
Real Estate 8%
Cash 2%
These are sample portfolios and may not reflect current or future allocations.
Please refer to current proposal before investing.1
Moderate
Designed for investors who
are seeking stability of capital
with nominal growth and a
low tolerance for risk.
Global Equity 45%
US Large Cap 15%
US Mid Cap 15%
Int'l Developed 15%
Global Bonds 50%
Multisector 10%
High Yield 20%
Inv Grade Bonds 10%
TIPS 5%
Short Term Bond 5%
Real Assets 5%
Natural Resources 2%
Real Estate 3%
Model Portfolios
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%
These are sample portfolios and may not reflect current or future allocations.
Please refer to current proposal before investing.1
Index
Designed for investors who
are seeking a variety of
asset classes’ index returns
while paying low expense
ratios to get those returns.
Global Equity 61%
US Large Cap 6%
US Mid Cap 10%
US Small Cap 16%
Int'l Developed 6%
Emerging Markets 4%
Specialty 19%
Global Bonds 18%
US 6%
Short Term 4%
Total Market 8%
Real Assets 21%
Commodities 8%
Hard Assets 6%
Real Estate 5%
Cash 2%
Why do business with

Herz Financial
For over 30 years, individuals and businesses have been turning to Herz
Financial to help secure their financial future. While there are larger firms
out there, we view our size as an advantage to offer an intimate partnership
approach to asset management. Our success is in our culture–one of
teamwork, integrity, and always doing right by our clients. Our clients
appreciate that we understand their needs and act in their interests. Our
client centric focus with an emphasis on trust, and on our desire to constantly
perform better makes us a valuable piece to our clients’ financial planning.

Our Service Promise

We are committed to making sure the service you receive from our firm is
excellent. We care about and are committed to our clients. Services we
provide to each of our clients with assets under management include:

• Quarterly Financial Consultation and Portfolio Review

• Quarterly Statements
• Online Access to Accounts
• Weekly Market Commentary
Disclosures
Fee Disclosures
$250,000+__________________________1.00%
$500,000+__________________________.87%
$1,000,000+________________________.70%
The management fee schedule is 1% on amounts $250,000+; .87%
on amounts over $500,000; and .70% on amounts over $1 million.
Management fees do not include any underlying asset fees or
custodial fees. Actual investment advisory fees incurred by clients
may vary. 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 Ameritas Investment Corp. (AIC). Member FINRA/SIPC.
AIC and Herz Financial are not affiliated. Additional products and
services may be available through Herz Financial that are not offered
through AIC. 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.
As your Advisor Representative, Herz Financial provides these
strategies for you to use as a resource when designing your
individual investment strategy. Use our models in their entirety or
incorporate your own investment philosophy into your portfolio
construction. The model asset allocation program is designed for
accounts worth $250,000 or more.
1
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
services may be available through Herz Financial or it’s associates
that are not offered through AIC.
Blue Back Square
75 Isham Road
The Lexicon, Ste 320
West Hartford, CT 06107
Phone: 860.232.5050
Fax: 877.840.2449
www.herzfinancial.com