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.