About Us
Our Mission
To provide wealth accumulation, preservation,
business succession and retirement planning
strategies for affluent business owners and
professionals.
To be the catalyst in the planning process.
To commit to developing strong, long-term
relationships based on knowledge and
integrity.
At Heritage Planners, we work with our
clients' attorneys, accountants, trust
officers and other financial advisors to
better serve the needs of our clients. This
collaborative approach gives our clients the
most comprehensive service available.
When you work with Heritage Planners, you can
rest assured that we will work with you to
develop a mutually agreeable process for
interacting with our shared clients. We know
that every organization has different methods
and preferences for how communication is
handled, so we are flexible and adaptable in
order to effectively meet the needs of our
clients within a cohesive team environment. We
will always maintain open lines of
communication and keep you apprised of all
developments.
We are a results-oriented firm, and we will
deliver creative and effective solutions for
your clients in the areas of business, estate,
and succession planning. We invite you to
explore our website to gain a clearer
understanding of our team and the resources we
bring to the table. If you have questions or
would like to discuss a particular client that
we may be of assistance with, please don’t
hesitate to contact us.
Our Team
Paul J. Haye, CLU®,
ChFC®, AEP®
Principal
As the Founder and President of Heritage
Planners, Paul has been helping families and
businesses since 1981 with estate and
retirement planning, business succession,
investments, life insurance, and asset
protection. He works with clients to help them
identify where they are today, where they want
to be tomorrow, and the various ways to
accomplish their goals.
Paul is truly concerned about each of his
clients and tries to put himself in their
situation and formulate the best possible plan
to achieve their financial objectives. He has
aligned himself with a great network of
business professionals including attorneys,
CPAs, and other investment advisors, and
offers a great product line backed by the
financial strength of New York Life. Paul has
unparalleled strategic alliances, both on the
investment and the planning sides, that
provides the best possible customer service
experience for his clients. Licensed in 26
states, Paul serves clients throughout the
country with vigilant dedication. He holds
FINRA Series 22, 6, and 63 Licenses.
Paul is an active member of the National
Association of Insurers and Financial
Advisors, NAIFA, and is a member of his local
Society for Financial Service Professionals.
Paul has earned numerous industry and company
awards, including a Qualifying and Life Member
and Court of the Table and Top of the Table of
Million Dollar Round Table*. He has been
recognized as a Chairman’s Council**
Member of New York Life Insurance Company for
over 30 years, a distinction that is awarded
to the top 3 percent of all agents at New York
Life Insurance Company, as measured by sales
performance. He has also been a member of
NAIFA since 1981, and has been a consistent
recipient of NAIFA’s National Quality Award.
Prior to starting his career with New York
Life and founding Heritage Planners, Paul
attended the University of Toledo and
graduated from the American College in 1994
and went on to receive professional
designations of CLU®, ChFC® and AEP®.
Paul is happily married to his wife, Ruth, and
have three beautiful children, Mark, Timothy,
and Jennifer. When he is not at work, Paul
loves to race automobiles and motorcycles,
build hot rods, hunt, fish, work outdoors and
enjoys time with his two precious
grandchildren the most.
Timothy J. Haye, CFP®, MBA
Financial Adviser
Timothy J. Haye, after graduating with a
double major in marketing and finance from the
University of Toledo, pursued his graduate
degree with a focus in investment management
while working full-time. Tim obtained his MBA
in 2011 from the University of Toledo. From
there Tim went onto Northwestern University
where he obtained his CFP.
After receiving his bachelor’s degree, Tim
started his career with a small franchisee of
Jimmy Johns where he was a Director of
Operations. Seeking more, Tim took an
opportunity with Aldi Inc, an international
grocer, where he was a Director of Operations.
In 2016, Tim left his executive position at
Aldi and opened a financial planning office
for Heritage Planners in Chicago with the goal
of carrying on his father’s legacy in the
business.
Tim’s arm of Heritage Planners has expanded
significantly and continues to grow with the
help of great people and the support of his
father.
Tim, when he is not working, loves spending
time with his son Isaac, his wife Tara and
family. He enjoys reading, racing and working
out. His passion lies 100% in taking what his
father built from the ground up with Heritage
Planners and ensuring it lives past not just
his father but himself, as well.
Louis W. Fahrbach
Financial Adviser
Coming to Heritage Planners, Louis has made it
a focus to help families and business owners
with estate and retirement planning,
investments, and asset allocation. He works to
clarify concerns and objectives, as well as
provide a clear analysis and projection of
personal and business financial information.
Louis has earned numerous industry and company
awards. He has been a member for the Million
Dollar Round Table* since 2015 and
has been a member of the Executive Council at
New York Life for the past 7 years as of 2021.
He holds Series 6, 7, and 66 licenses. He is a
member of the National Association of
Insurance and Financial Advisors (NAIFA). In
addition, Louis is the President of the Toledo
General Office Agent Advisory Board.
Prior to starting his career with Heritage
Planners, Louis received a Bachelor in
Business Administration from Tiffin
University. He currently resides in
Northwood, Ohio where he holds a position as
Council President** of Northwood
City Council. Outside of work Louis enjoys
spending time at Michigan football games with
his wife Robin, playing golf, and taking their
dog Trooper and son Jackson to the park.
Ruth A Haye, FLMI, CLU®, PCS
Administrative Manager
Ruth joins the Heritage Planners team after
serving New York Life as a Service
Professional Leader for more than three
decades. She had been responsible for
administrative operations, special projects
and development of service staff to perform
with a client focused mindset. She brings a
wealth of experience to the team, and looks
forward to providing a great experience for
Heritage Planner’s clients. She holds multiple
professional designations including FLMI
(Fellow of the Life Management Institute),
CLU® (Chartered Life Underwriter)
and PCS (Professional Customer Service) and
earned her BA from Muskingum University. Her
interests include projects with husband Paul
on their Perrysburg residential property,
family time, travel, music, and recreation.
Harmony Miller
Client Service Coordinator
Harmony has been our Client Service
Coordinator here at Heritage Planners since
2018. She has a background in Public
Relations, Customer Service and Marketing.
Harmony interacts directly with many of our
clients, including scheduling appointments,
updating client information, answering the
phone and many other responsibilities.
Harmony also updates clients’ accounts and
information to reflect their life changes and
financial goals.
The personal aspect of Heritage Planners is
what Harmony loves most, which allows her to
treat every client like a true friend.
Harmony’s love for people is reflected in her
performance at Heritage Planners.
Harmony has a wide range of interests and
hobbies including, traveling and camping with
her husband Daniel, playing piano, and hiking.
Harmony is also involved in her local church
and enjoys serving in the youth and music
ministries.
Autumn Garn, LSA
Executive Assistant
Autumn is the Executive Assistant here at
Heritage Planners and has been with the team
since February of 2021. She is responsible for
keeping client information up to date, to
ensure their financial objectives can be
reached effectively. Autumn enjoys the variety
of different tasks and projects that allow her
to utilize her degree in Finance.
Prior to joining Heritage Planners, Autumn
attended The University of Toledo, where she
received a Bachelor of Business Administration
in Finance. When she is not at work, she
enjoys spending time outdoors and exploring
new parks with her daughter, Everleigh.
Christine Kwiatkowski, LSA
Marketing Services Manager
Christine began her employment at Heritage
Planners in 2017 and is responsible for the
firm’s marketing efforts, including expanding
Paul Haye’s social media presence, and
ensuring profiles and marketing content are
compliant to corporate standards. She also
provides client services as needed. Christine
enjoys the variety of assignments offered at
Heritage Planners and helping to resolve any
issues that may arise.
Christine is a volunteer mentor for Imerman
Angels, loves camping and hiking with her
family. She also enjoys watching her 2
daughters play travel softball, volleyball,
basketball, and track.
Robyn Dandar, LSA
Operations Manager
Robyn is a valued employee and serves as an
operations manager. After successful roles in
leadership and raising a family of 3, she has
taken her passion for helping people and
natural talent to multi-task into transforming
a part of our practice and streamlining
business. Robyn is currently the central
station for the business and is actively
assisting in the training and development of
associates within the business. Robyn will
continue to work towards her licensing goals
and expanding the service experience for our
clients.
Robyn, first and foremost, enjoys spending
time with her children and family, crafting,
any sort of event planning, as well as bargain
shopping.
Operations Managers in the practice, assist
with client and prospect interaction, all
administrative tasks as well as management of
the overall client experience.
Nathan Bauman,LSA
Associate
Nathan, after a successful athletic and
academic career for the Whiteford Bobcats, is
taking his work ethic and strong family
background into the financial services
business. He is a valued employee and is
furthering his knowledge and training by
pursuing financial licenses and related
degrees. Nate enjoys time with friends,
family, the outdoors and pursuing his passions
for running his own business someday.
Robin Fahrbach, LSA
Client Services Administrator
Robin Fahrbach became a part of the Heritage
Planners team in 2017. As a Licensed Service
Assistant, Robin is able to offer her
expertise to clients through a variety of
their everyday financial needs.
What she loves most about this career: “There
is something so exciting about an individual
or family who finds financial freedom and can
feel at peace about the planning they have
done.”
In her free time, Robin enjoys going on
adventures with her husband Louis, their son
Jackson and dog Trooper, working out, reading,
playing and coaching volleyball, and spending
time with friends and family. She is an active
member at her church and is involved in the
Children and Music Ministries. Something that
brings Robin joy in life is to be a light to
someone every day because you never know what
the power of a smile can do for that person.
Victoria Allore
Client Services Administrator
Victoria is a Client Services Administrator
here and has been with the team since March of
2022. Her main responsibility includes keeping
client information updated as well as
assisting with many other administrative
duties. Victoria enjoys her position at
Heritage Planners because she has the ability
to learn something new every day and can
actively participate in helping clients reach
their financial goals.
Victoria is a proud United States Air Force
Veteran, where she worked as a paralegal. She
also offers an extensive Customer Service
background with seven years of prior
experience. She enjoys helping people and
working closely with others. In her free time,
she enjoys spending time with her fiancé and
their three cats, camping, and solving
crossword puzzles.
Chloe Melms
Intern
Chloe, a Business student at the University of
Toledo, is taking her ambitious personality
and disciplined mindset into the financial
services industry. She is a valued employee
who is furthering her knowledge in the finance
and sales world. Chloe enjoys traveling,
spending time with her family, and trying new
things.
Lauren Harris, LSA
Client Services
With more than eight years of experience in
the Financial Planning Industry and a
dedication to growth and success, Lauren
assists with all aspects of maintaining client
accounts including new applications,
transferring accounts, distributions,
contributions and assisting with any questions
you might have. She has been with Heritage
Planners since 2016 and has continued to
expand her knowledge and licensing in the
Insurance Industry.
Lauren was born and raised in Maumee, OH and
graduated from Springfield High School. She
attended Bowling Green State University where
she found her passion for the business.
When Lauren is not in the office, you can find
her teaching dance at a local studio, cheering
on her 5 children at all sporting events or
sitting around a campfire with her husband
Jeff and dog Duke at their campground.
Designation & Affiliations
Chartered Life Underwriter (CLU®)
Since 1927, the CLU® has been the
respected risk management credential for advisors.
Designees have completed eight or more
college-level courses representing an average
study time of 400 hours. Topics for required
courses include insurance and financial planning,
life insurance law, estate planning, and planning
for business owners and professionals. Elective
courses include such advanced topics as income
taxes, group benefits, retirement planning, and
health insurance. CLU® designees must
meet experience and continuing education
requirements and must adhere to a high ethical
standard. The mark is awarded by The American
College, a non-profit educator with the top level
of academic accreditation.
Chartered Financial Consultant (ChFC®)
The ChFC® designation has been a mark
of excellence for almost thirty years and
currently requires nine college-level courses, the
most of any financial planning credential. Average
study time to earn the ChFC® exceeds
450 hours. Required courses cover extensive
education and application training in financial
planning, income taxation, investments, and estate
and retirement planning. Additional electives are
chosen from such topics as macroeconomics,
financial decisions for retirement, and executive
compensation. ChFC® designees must meet
experience requirements and adhere to continuing
education and ethical standards. The credential is
awarded by The American College, a non-profit
educator founded in 1927 and the highest level of
academic accreditation.
AEP®
The AEP® designation is a
graduate-level specialization in estate planning,
obtained in addition to already recognized
professional credentials within the various
disciplines of estate planning who support the
team concept of estate planning. It is awarded to
estate planning professionals who meet stringent
requirements of experience, knowledge, education,
professional reputation, and character.
Industry Involvement
Society of Finance Professionals (FSP)
Paul J. Haye has been a member of the Society of
Finance Professionals (FSP) in Toledo since
2007. FSP uses resources and knowledge to help
members build networks, enhance their knowledge,
and grow their practices. Their mission is to
"empower our members to deliver the highest
level of ethical service to their clients, by
promoting mutually beneficial multidisciplinary
relationships and by providing high-level,
top-quality educational opportunities in
conjunction with industry experts and
thought-leaders."
Million Dollar Round Table* (MDRT)
Paul J. Haye has been a Qualifying Member of the
Million Dollar Round Table (MDRT) throughout his
tenure as an agent and in the last 17 years has
been a qualifier of the Court of the Table.
Founded in 1927, the Million Dollar Round Table
(MDRT), The Premier Association of Financial
Professionals®, is a global,
independent association of more than 43,000 of
the world's leading life insurance and financial
services professionals from more than 500
companies in 67 countries. MDRT members
demonstrate exceptional professional knowledge,
strict ethical conduct and outstanding client
service. MDRT membership is recognized
internationally as the standard of excellence
for life insurance sales performance in the life
insurance and financial services business.
National Association of Insurance and Financial
Advisors (NAIFA)
Paul J. Haye has been a member since 1981 and
has been a consistent recipient of NAIFA’s
National Quality Award—20 years in 2020, and has
received NAIFA’s National Sales Achievement
Award three times. The National Association of
Insurance and Financial Advisors (NAIFA) was
founded in 1890 as The National Association of
Life Underwriters (NALU), NAIFA is one of the
nation’s largest associations representing the
interests of insurance professionals from every
Congressional district in the United States.
NAIFA members assist consumers by focusing their
practices on one or more of the following: life
insurance and annuities, health insurance and
employee benefits, multiline, and financial
advising and investments. NAIFA’s mission is to
advocate for a positive legislative and
regulatory environment, enhance business and
professional skills, and promote the ethical
conduct of its members.
NAIFA Code of Ethics
Helping my clients protect their assets and
establish financial security, independence and
economic freedom for themselves and those they
care about is a noble endeavor and deserves my
promise to support high standards of integrity,
trust and professionalism throughout my career as
an insurance and financial professional. With
these principles as a foundation, I freely accept
the following obligations:
-
To help maintain my clients’ confidence and
protect their right to privacy.
-
To work diligently to satisfy the needs of
my clients.
-
To present, accurately and honestly, all
facts essential to my clients’ financial
decisions.
-
To render timely and proper service to my
client and ultimately their beneficiaries.
-
To continually enhance professionalism by
developing my skills and increasing my
knowledge through education.
-
To obey the letter and spirit of all laws
and regulations which govern my profession.
-
To conduct all business dealings in a manner
which would reflect favorably on NAIFA and
my profession.
-
To cooperate with others whose service best
promote the interests of my clients.
-
To protect the financial interests of my
clients, their financial products and my
profession, through political advocacy.
Our Process
We understand the things that are important to you.
And our relationship with you and the process for
securing your family’s future begins right there. At
Heritage Planners, we put not only our own
considerable experience to work on your behalf, but
also the knowledge of the elite team of The Nautilus
Group®, experienced professionals with disciplines
in taxes, law, life insurance, accounting, and
philanthropic planning. This coordinated approach
helps ensure that all areas are considered in order
to formulate the right course of action for you.
Our 7 Step Process:
Step 1 - Clarify your
concerns and objectives
Step 2 - Provide a
clear analysis and projection of your personal
and business financial information
Step 3 - Explore
possible strategies to achieve your goals
Step 4 - Collaborate
with your circle of advisors
Step 5 - Implement
and follow up with your plan
Step 6 - Create a
summary of your plan and monitor it over time
Step 7 - We'll work
closely with you and your family to prepare your
heirs to continue the family legacy.
Where We Do Business
The blue states below indicate where we are
currently licensed and working with clients. If your
state is not blue and you'd like to work with us
anyway, it's not a problem. Simply
contact us for more
information.
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