HERITAGE. INTEGRITY. A PASSION FOR RESULTS.

With a rich history spanning over half a century, the Herman Agency has consistently and skillfully delivered compelling results with integrity and passion.

We provide a comprehensive platform of insurance planning solutions and a commanding knowledge of how to optimally design and integrate those solutions into a client’s estate and business plan.

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INSURANCE ANALYSIS & PLACEMENTINTEGRATED PLANNING

With a 50-plus year business history, the Herman Agency has cultivated respected and enduring relationships with the leading insurance carriers serving the affluent market. These carriers depend on the skill and integrity of the Herman Agency to bring their products to market in a professional manner.

While there are many distributors in the market, the Herman Agency is THE source for creative and thoughtful product selection and design, winning underwriting results, and unparalleled service before AND after the policy is placed.

Product Lines +More

REDEFINED CASE DESIGN +More

POST-PLACEMENT ADMINISTRATION +More

We define Integrated Planning as the synergistic melding of insurance and estate and business planning.

Life Insurance can be a particularly complex financial instrument. It also can be very flexible, permitting customization to meet unique needs and objectives. Well honed analytical skills and expertise are essential to accommodate these demands.

Likewise, the legal, tax, and personal dimensions of a family’s generational or business succession planning mandates not only a high degree of technical expertise, but also the wisdom to appreciate which planning strategies are suitable and enduring.

The attorneys, CPAs and financial advisors we collaborate with appreciate our unique ability to bridge both worlds. In select cases, we approach this with a keen focus by employing a unique and proprietary process, The Legacy Bridge™, that spans the gap between insight and action, between vision and results.

The Legacy Bridge processTM +More

Areas of Integrated Planning Excellence +More

  • Estate and Legacy Planning
  • Business Succession Planning
  • Executive/Key Person Benefits
  • Family Needs and Liquidity Planning
  • Longevity Planning
  • Tax Optimization

The Legacy Bridge TM

Insuring Family and business goals

For affluent families, the intricacies and complexities associated with managing wealth can threaten peace of mind, legacy, and enjoyment. Tax implications, liquidity concerns, business succession planning, and risk management matters can all create anxiety if not attended with care.

To address the risks, families need experts, not products.
They need critical thinking and strategy, not merely tactics.

The Herman Agency operates with a bias towards principled, exhaustive analysis, authentic and impartial advice, and a comprehensive, confidential process. Through The Legacy BridgeTM, we offer integrated wealth protection strategies that dramatically transform ambiguity into clarity, complexity into simplicity, and uncertainty into confidence.

stage one
1

Engage. Listen. Learn.

We begin by listening. Our initial meeting consists of a detailed discussion about your estate, business and family needs and goals. We gather details and communicate about our proccess and next steps, and procure a commitment to the process.

Stage One

Engage. Listen. Learn.

We begin by listening. Our initial meeting consists of a detailed discussion about your estate, business and family needs and goals. We gather details and communicate about our proccess and next steps, and procure a commitment to the process

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stage two
2

Architect. Design. Model.

First, we coalesce a collaborative planning team. We then architect a model of your business and personal world assembled with financial and presonal detail, your cash flow needs, and an opportunity cost analysis

Stage two

Architect. Design. Model.

First, we coalesce a collaborative planning team. We then architect a model of your business and personal world assembled with financial and presonal detail, your cash flow needs, and an opportunity cost analysis<

2

stage three
3

Present. Review. Reflect.

We meet again to review our analysis together and map the strategies back to your needs and goals. We validate and communicate. then solicit feedback and ideas for revision

Stage three

Present. Review. Reflect.

We meet again to review our analysis together and map the strategies back to your needs and goals. We validate and communicate. then solicit feedback and ideas for revision

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stage Four
4

Refine. Revise. Improve.

Again, our team collaborates to improve your financial model given the updated inputs. We reframe all necessary assumptions, and rebuild our model again and again until it works.

Stage Four

Refine. Revise. Improve.

Again, our team collaborates to improve your financial model given the updated inputs. We reframe all necessary assumptions, and rebuild our model again and again until it works.

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stage Five
5

Resolve. Finalize. Solidify.

We review the updated, refined plan and confirm the changes are optimal to solve for the needs you’ve prioritized. We procure a commitment to implement.

Stage five

Resolve. Finalize. Solidify.

We review the updated, refined plan and confirm the changes are optimal to solve for the needs you’ve prioritized. We procure a commitment to implement.

5

stage six
6

Implement. Activate. Oversee.

Focusing on clear, consistent communication and flawless execution, our team implements your plan. We provide routine Implementation Roadmap updates for your convenience.

Stage Six

Implement. Activate. Oversee.

Focusing on clear, consistent communication and flawless execution, our team implements your plan. We provide routine Implementation Roadmap updates for your convenience.

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stage seven
7

Service. Support. Protect.

The Herman Agency takes pride in supporting the plan created far beyond the initial engagement. Our support offers annual policy reviews and plan monitoring.

Stage seven

Service. Support. Protect.

The Herman Agency takes pride in supporting the plan created far beyond the initial engagement. Our support offers annual policy reviews and plan monitoring.

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