Herz Financial Business Risk Solutions

personal financial advisory service to all employees in our plans. Service Outstanding service and support for business owners, human resources personnel and employees. We make your job easier, save you time, and help you manage your fiduciary duties. DesignBusiness Continuation What will happen to your business at your death? Will your heirs need to sell the business to obtain cash to pay estate taxes and liabilities? Will your heirs and surviving owners work together harmoniously? Life insurance may provide the liquidity you need for a smooth, economical transition. Key Employee Coverage Employees are an integral part of a business’ success. Unexpected death or disability of a key employee can be very financially disruptive to your business. Life insurance may be an option to make sure you have the liquidity necessary to maintain the integrity of your business operation. Loan Indemnification 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 insurance be collaterally assigned to cover their risks. We offer a wide variety of coverage to satisfy all lenders. Employee Benefits A well designed employee benefits package is an essential part of a successful business. Whether it's having an attractive retirement plan, group life or disability insurance, we can help you find solutions. Key Employee Incentives Fringe benefits involving life insurance, such as Split Dollar, Executive Bonus, and Deferred Compensation, allow you as a business owner to design specialized benefits for your top people. Buy-Sell Agreements A buy-sell agreement is an essential business-planning tool for most business partnerships. A properly funded and drafted buy-sell agreement can provide departing owners a fair price for an asset that might otherwise be hard to sell. We offer life and disability insurance to fund these agreements. 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, 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. Business Continuation What will happen to your business at your death? Will your heirs need to sell the business to obtain cash to pay estate taxes and liabilities? Will your heirs and surviving owners work together harmoniously? Life insurance may provide the liquidity you need for a smooth, economical transition. Key Employee Coverage Employees are an integral part of a business’ success. Unexpected death or disability of a key employee can be very financially disruptive to your business. Life insurance may be an option to make sure you have the liquidity necessary to maintain the integrity of your business operation. Loan Indemnification 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 insurance be collaterally assigned to cover their risks. We offer a wide variety of coverage to satisfy all lenders. Employee Benefits A well designed employee benefits package is an essential part of a successful business. Whether it's having an attractive retirement plan, group life or disability insurance, we can help you find solutions. Key Employee Incentives Fringe benefits involving life insurance, such as Split Dollar, Executive Bonus, and Deferred Compensation, allow you as a business owner to design specialized benefits for your top people. Buy-Sell Agreements A buy-sell agreement is an essential business-planning tool for most business partnerships. A properly funded and drafted buy-sell agreement can provide departing owners a fair price for an asset that might otherwise be hard to sell. We offer life and disability insurance to fund these agreements.

Herz Financial Business Risk Solutions

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