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. He has also been a member of the Chairman’s Council at New York Life for the past 16 years as of 2016. 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 22 states, Paul serves clients throughout the country with vigilant dedication. He holds Series 6, 63, and 22 licenses.

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 together they have three beautiful children, Mark, Timothy, and Jennifer. When he is not at work, Paul loves to race automobiles and motorcycles, build hot rods, and also likes to hunt, fish, and work outdoors.

Courtney L. Denman

Registered Service Assistant

Courtney L. Denman is a Registered Service Assistant and Office Manager for Heritage Planners and she has been in her current position for eight years. Within this role, Courtney works to oversee all of the new business, including applications, asset transfers, etc. This also entails overseeing all registered product service items on existing accounts. Courtney’s roles within the company range from case preparation to client presentations and proposals, as well as general office duties such as scheduling, accounting, and managing payroll and employee benefits.

Courtney is passionate about her work because she is able to help people in many different areas. She finds great satisfaction in watching her client’s transition from having a bunch of products and accounts to developing an actual financial plan. It is incredibly rewarding for Courtney when she is able to assist Paul and his clients in such a way that they become more confident and secure in their financial futures. Courtney is happily married to her husband Chris and together they have two girls, Madison and Miley. When she is not at work, Courtney loves to play tennis, watch her girl’s sporting events, and going out to dinner with her family.

Megan Thorp

Licensed Service Assistant

Megan L Thorp is a Licensed Service Assistant and Client Services Specialist for Heritage Planners. Within this role, Megan oversees the completion of life insurance and fixed product applications. She actively obtains and submits required documents, communicates with various departments, and manages all fixed service requests.

In addition, Megan also serves as the point person for all client communication. Whether she is answering questions, addressing issues, or noting considerations about client accounts, Megan strives to provide the best possible service to each and every client and thrives when she is able to make someone else’s day easier and better.

When Megan is not working, she loves to stay active by playing softball and soccer, and she loves to spend time traveling, attending concerts, and supporting her favorite sports teams.

Donna Pribe

Social Media Manager

Donna Pribe has been the Marketing and Compliance Coordinator for Heritage Planners since 2012. Within her role, Donna works to creatively expand Paul Haye’s social media presence so that he can keep his clients informed about a variety of financial and insurance topics. She also handles PR for the firm and makes sure that marketing materials, forms, files, and licenses stay up to date.

Donna finds great satisfaction in her career and particularly enjoys keeping track of key performance indicators to measure the success of her various marketing and PR efforts. When she is not at work, Donna loves to spend time with her husband and three children, and she enjoys sailing on their Beneteau, traveling, going to concerts, movies, and shows, and visiting new restaurants. She also loves to read and discuss current events and business news with her friends and peers.

Lauren Przybylski

Administrative Assistant

Lauren Przybylski is an Administrative Assistant with Heritage Planners and has been with the company since August of 2016. Within her role, Lauren obtains client information, schedules appointments, answers phone calls and emails, and keeps the office running smoothly.

Lauren finds fulfillment in her career because of the company’s values and principles and the way in which Heritage Planners takes care of their clients. Lauren has a thirst for knowledge and is passionate about learning more about the industry that she is now a part of. She has two children, Carson and Charleigh, and when she is not at work, she enjoys spending time with them and teaching dance at a local studio.

Our Planning Resource

 

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

NAIFA

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."

NAIFA

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 13 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.

NAIFA

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—16 years in 2016, 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.

Process Graphic

Where We Do Business

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