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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
underwriting and best rates.

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

Experts
With over $1 Billion of life insurance in force and a
combined 100+ years of experience, our team has the
knowledge and expertise to develop the right solutions
for your needs.
Business Matters Protect the people that make it successful and
provide the benefits that keep them happy.
Make sure your business is not at risk.
Business Plans
Herz Financial advises on the following: Design

• Key Person Protection & Incentives

• Buy-Sell Agreements
• Loan Indemnification
• Business Expense Obligations
• Business Agreements
• Succession Planning

Employee Benefits Analysis

Design Review
Herz Financial offers a wide variety of
plans and lines of coverage, including:

• Group Life Insurance

• Group Health Plans
• Long Term Care
• 401(k) Plans
• AD&D
• Dental Plans
• Vision Plans
• Disability plans

Service
 Business Continuation
What will happen to your
DesignBusiness Continuation business
personal at youradvisory
financial death? Will yourto
service heirs needThetoModel
all employeessellinthe
our plans.
Portfolios do not provide comprehensive investment advice,
business to obtain cash to pay estate taxes and liabilities? Will your heirs
such and
as surviving
advice on buying a specific stock or bond, and should not be
What will happen to yourowners
business at your
work together Service
death? Will your heirs
harmoniously? need
Life to sell the
insurance maybusiness to obtain
provide the cash
liquidity youtoneed
pay estate taxes and liabilities? Will your heirs and
considered the sole or primary basis on which you make your investment
for a smooth,
surviving owners work together economical
harmoniously? transition.
Outstanding
Life insuranceservice and support
may provide for business
the liquidity you needowners, human economical transition.
for a smooth,
decisions. Model strategies are exposed to the specific risks of the funds
resources personnel and employees. We make your job easier,
Key Employee Coverage Key Employee Coverage directlyduties.
proportionate to their fund allocation. The funds comprising the
save you time, and help you manage your fiduciary
Employees are an integral part of a business’ success. Unexpected death or disability of a key employee
strategies
Employees are an integral part of a business’ success. Unexpected death or disability andcan be very financially
the allocations disruptive
to those funds to your
have changed overbusiness.
time
of a key employee can be very financially disruptive to your business. Life
and may insurance
change in the future.
Life insurance may be an option to make sure you have the liquidity necessary to maintain the integrity of your business operation. Securities products involve investment
may be an option to make sure you have the liquidity necessary to maintain the the possible loss of principal. Advice provided and/or
risk, including
Loan Indemnification
integrity of your business operation.
recommendations made should be consistent with your investment
Companies depend on the financial support of banks and other lenders to grow and operate their businesses. Most lenders will require that life or disability
Loan Indemnification objective(s), risk profile, financial circumstances, time horizon, etc. Before
insurance be collaterally assigned to cover their risks. We offer a wide variety of coverage to satisfy all lenders.
Companies depend on the financial support of banks and other lenders investing,
to grow carefully
and consider the investment objectives, risks, fees, and
Employee Benefits
operate their businesses. Most lenders will require that life or disability insurance information
other important be about the underlying investment options. This
A well designed employee benefits package
collaterally assignedisto
ancover
essential
their part ofWe
risks. a successful
offer a widebusiness.
variety ofWhether
coverage it'stohaving
information satisfy
can an attractive
be found retirement
in the investment plan,
company group life or
prospectuses. You
all lenders.
disability insurance, we can help you find solutions. can obtain copies of prospectuses from your representative. Please read

Key Employee IncentivesEmployee Benefits the prospectus carefully before investing.

Fringe benefits involvingAlife insurance,

well designedsuch as Split
employee Dollar,package
benefits Executive
isBonus, and Deferred
an essential part of aCompensation,
successful allow
Investment products areyou as a business
not insured owner
by the FDIC, to design
the Federal Reserve
business.
specialized benefits for your Whether it's having an attractive retirement plan, group lifeBoard,
top people. or disability
or any other agency and are not deposits or obligations of, nor
insurance, we can help you find solutions.
Buy-Sell Agreements guaranteed or endorsed by, any bank or savings association.
Key Employee Incentives Securities and investment advisory services are offered solely through
A buy-sell agreement is an essential business-planning tool for most business partnerships. A properly funded and drafted buy-sell agreement can provide
Fringe and variable products underwritten by, Ameritas Investment Corp. (AIC),
departing owners a fair price forbenefits
an assetinvolving lifeotherwise
that might insurance,be
such
hardastoSplit
sell.Dollar, Executive
We offer life andBonus, and
disability insurance to fund these agreements.
Deferred Compensation, allow you as a business owner to design specialized member FINRA/SIPC
benefits and a registered investment adviser. If you would like
for your top people. more detailed information about AIC’s investment advisory services, you
Comprehensive plan design and structure to maximize your plan’s benefits for owners and to should encourage
obtain positive employee
a copy of AIC’s behavior.
Form ADV A wide
Part II, which rangetheoffees,
outlines
Buy-Sell Agreements
investment options are available. We coordinate with you to select an investment line-up, andexpenses, annuallyand monitor funds
investment and plan
parameters performance
associated with themetrics.
AIC’s advisory
A buy-sell agreement is an essential business-planning tool for most business
platform. This disclosure document should be read carefully before
Implement partnerships. A properly funded and drafted buy-sell agreement can provide departing
owners a fair price for an investing.
offer Herz Financial and AIC are not affiliated. Additional products and
Seamless plan conversion and implementation forasset
plansthat
thatmight
changeotherwise
providers be hard to sell. We life and
disability insurance to fund these agreements. services may be available through Herz Financial or it’s associates that are
not offered through AIC.
Educate
Excellent employee education meetings that encourage employees to enroll, save money, invest better, and plan smarter. We offer complementary one on one,
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