Business Planning

As a small business owner,
you work hard to grow your business
and achieve success. However, there
are planning issues that need to be
addressed to make sure your success continues

Let us help you protect your business risk.

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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.

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.

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.

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.

Make sure your business is not at risk

Join us

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35 East Main Street, Suite 113
Avon, CT 06001
Email Us
Phone: 860.232.5050
Fax: 877.840.2449

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Securities

Securities and investment advisory services 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. Securities products are limited to residents of CT, FL, MA, NY

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from Herz Financial will contact you to provide requested information.

Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.

Roman Herz

Partner

Roman Herz, President and Chief Executive Officer of Herz Legacy Planners Inc. and Founder of Herz Financial, is one of leading insurance agents in the world. His distinguished career in the insurance industry has won him broad industry-wide recognition for his vast skills, knowledge and insights gained from 40 years of serving the complex insurance needs of high-net-worth individuals and business owners.

Born in Germany in 1946, Roman is the son of two Holocaust survivors. His family moved to Israel in 1948 and Roman spent his childhood outside of Tel Aviv. In 1956, the family decided to move to America. After graduating from The University of New Haven, Roman went into the insurance business and a few years later he started his own company. By 1984, Roman had built one of the leading insurance operations in New England with 8 locations and over 50 Sales Associates, which he later sold to a Fortune 500 insurance company. Roman went on to continue to manage this operation as President, and subsequently in 1990 took the firm private again. Roman continued to expand the firm’s client base by focusing efforts on Estate Analysis and Wealth transfer strategies.

Roman loves golf and he belongs to Mizner Country Club in Delray Beach, Florida. He is an avid artist both in painting and photography. Roman especially cherishes his time with his five grandchildren.

He is a past member of The National Association of Insurance and Financial Advisors, The Estate Planning Council, and The Million Dollar Round Table. He is a Past President of The Hartford General Agents and Managers Association, has been an Agency Management Training Council Moderator, and is a Past President of the Connecticut Life Leaders Association.

Matthew Herz

Managing Partner

Matthew Herz is the managing partner of Herz Financial, LLC and founder and President of Just DI. He is a strategic financial planning advisor with 18+ years of experience in the insurance and financial services industry.

Matthew specializes in financial planning, life insurance, disability insurance, retirement and other corporate benefit plans, wealth management, employee benefits, trust planning, irrevocable life insurance trusts, custom life insurance design, succession planning, buy sell agreements, life expectancy analysis, and negotiating insurance underwriting.

He has significant experience assisting business owners with complex personal financial management and the coordination of various advisors in an integrated manner.   Matthew is a nationally recognized speaker and writer on Life and Disability Insurance. He has published many articles and has been quoted in several publications including LIMRA International research reports, The Hartford Courant, Life and Health Advisor, Registered Rep, and Insurance Marketing. Matthew has been the featured speaker for numerous events and seminars.

Matthew is a graduate of Bentley University and The Life Underwriters Training Council Fast Track Institute at the American College of Insurance. Matthew is a past member of The Hartford Association of Insurance and Financial Advisors, the National Association of Insurance and Financial Advisors, and The Million Dollar Round Table, Top of The Table and has been named to The Council by John Hancock.

Matthew currently serves as a board member and was past president at the West Hartford Youth Hockey Associations

Randy Herz

President

Randy has worked at building Herz Financial into a highly specialized boutique firm designed to offer financial services and serve the needs of ultra-wealthy business owners and their companies. Randy is a nationally recognized expert on Estate Planning and Wealth Transfer, Business Buy Sell agreements and Trust Owned Life Insurance.

Randy is a Registered Investment Advisor representative of Ameritas Investment Corp and has over 20 years experience in portfolio management and investment analysis starting out his career on the bond trading desk of Conning Asset Management.

He has been quoted in numerous articles including USA Today, The Chicago Tribune, Financial Planning, Advisor Today, and others, as well as being quoted in the biography, “Emeril, Inside the Amazing Success of Today’s Most Popular Chef”.

Randy is a graduate of The George Washington University School of Business and Public Management and where he received his MBA in Finance and his undergraduate degree in business. Randy is a graduate of The Life Underwriters Training Council Fast Track Institute at the American College of Insurance.

He is a past member of The Hartford Association of Insurance and Financial Advisors, the National Association of Insurance and Financial Advisors, and The Million Dollar Round Table, Top of the Table. He has served on numerous civic boards including the Greater Hartford Jewish Community Center and Israel Bonds.

Randy currently serves as a member of the board of trustees of Hebrew Healthcare and is a member of the board of Chabad Greater Hartford.