Plans

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www.herzfinancial.com

The

Herz FinancialIndependent

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.

Difference

Our PlansWe 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

InvestmentsWe 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

PromiseDesign

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.

Our Service

PromiseConservativeDesigned 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

services may be available through Herz Financial or it’s associates that are

not offered through AIC.

Implement

EducateDesign

Support

PricingIt 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?

3rd PartyAdministrator

1FinancialAdvisor

2Mutual Fund

Expense RatioRecordKeeper

43

ConservativeDesigned 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

services may be available through Herz Financial or it’s associates that are

not offered through AIC.

Take control of your retirement plan.

Blue Back Square75 Isham RoadThe Lexicon, Ste 320West Hartford, CT 06107

Phone: 860.232.5050 Fax: 877.840.2449

www.herzfinancial.com

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 the sales presentation and are based on the carrier and size of the plan.

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 guaranteed or endorsed by, any bank or savings association.

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, 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.