OUR TEAM
Paul J. Haye, CLU®, ChFC®, AEP®
Principal
Paul is the Founder and President of Heritage Planners, where he has been guiding families and businesses since 1981 in the areas of estate and retirement planning, business succession, investments, life insurance, and asset protection. His approach centers on helping clients understand their current financial position, define future goals, and explore strategic paths to achieve those objectives.
Paul takes a deeply personal interest in each of his clients, always striving to see things from their perspective and craft customized solutions tailored to their unique needs. He collaborates with a trusted network of professionals—including attorneys, CPAs, and investment advisors—and offers a broad portfolio of products backed by the financial strength of New York Life. Through strategic alliances in both investment and planning, Paul delivers an exceptional service experience. He is licensed in 30 states and holds FINRA Series 22, 6, and 63 licenses.
A committed industry leader, Paul is an active member of the National Association of Insurance and Financial Advisors (NAIFA) and the Society of Financial Service Professionals. He is a Qualifying and Life Member of the Million Dollar Round Table (MDRT) and has achieved the prestigious Court of the Table and Top of the Table honors. For over 30 years, he has been recognized as a Chairman’s Council** Member of New York Life, an achievement awarded to the top 3% of agents company-wide, based on sales performance. Paul is also a longstanding recipient of NAIFA’s National Quality Award.
Paul studied at the University of Toledo and graduated from The American College in 1994, where he earned the professional designations of CLU®, ChFC®, and AEP®. He is happily married to his wife, Ruth, and has three children—Mark, Timothy, and Jennifer—and two beloved grandchildren. Outside of work, Paul enjoys racing cars and motorcycles, building hot rods, hunting, fishing, working outdoors, and most of all, spending time with his grandchildren.
Timothy J. Haye, CFP®, MBA
Financial Adviser
timothy@heritage-planners.com
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.
Taylor S. O'Connell, MBA
Financial Adviser
Taylor S. O’Connell earned a Bachelor of Business from the University of Maryland and his MBA from Bowling Green State University while raising two daughters and working full time. Taylor earned the Financial Services Certified Professional® (FSCP®) designation, holds the Series 6, 7, 63, and 66 licenses, and is a member of the Million-Dollar Round Table (MDRT).
Taylor’s professional experience includes eight years of military service, half of which he spent overseas, specializing in unconventional small-unit operations. Also, Taylor has held executive positions with multiple Fortune 500 companies.
When not working, Taylor enjoys spending time with his daughters, Jordyn and Serenity, traveling, working out, and taking his daughters hunting with him. Above all, Taylor values time with family and friends and is passionate about building meaningful relationships, creating lasting memories, and leaving a legacy his daughters can be proud of.
Louis W. Fahrbach
Financial Adviser
Coming to Heritage Planners, Louis focuses on helping families and business owners with estate and retirement planning, investments, and asset allocation. His goal is to simplify complex decisions by clarifying concerns, outlining objectives, and providing clear, personalized financial strategies.
Louis holds Series 6, 7, and 66 licenses and is a member of the National Association of Insurance and Financial Advisors (NAIFA).
Louis earned his Bachelor of Business Administration from Tiffin University. He lives in Northwood, Ohio with his wife, Robin, and their two children, Jackson and Lyla. As a city council president, he values community service and integrity in leadership. Guided by his Christian faith, Louis approaches financial planning as a form of stewardship—helping clients make wise, purpose-driven decisions that honor their values and protect their legacy.
Outside of work, Louis enjoys family trips, attending Michigan football games, playing competitive amateur golf, and making the most of time with his family.
Ruth A Haye, FLMI, CLU®, PCS
Administrative Manager
Ruth Haye brings over 30 years of leadership experience in the financial services industry to the Heritage Planners team. Prior to joining Heritage Planners, she served as a Service Professional Leader at New York Life, where she was responsible for administrative operations, special projects, and the development of service staff with a strong client-focused mindset.
Ruth holds several respected industry designations, including FLMI (Fellow of the Life Management Institute), CLU® (Chartered Life Underwriter), and PCS (Professional Customer Service). She earned her Bachelor of Arts from Muskingum University.
Known for her dedication to service excellence, Ruth is committed to creating outstanding experiences for Heritage Planners’ clients. Outside of work, she enjoys working on residential projects in Perrysburg with her husband, Paul, as well as spending time with family, traveling, listening to music, and enjoying the outdoors.
Autumn L. Harrison, 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 husband Tyler and their three children.
Christine L. Kwiatkowski, LSA
Marketing Services Manager
ckwiatkowski@ft.newyorklife.com
Christine joined Heritage Planners in 2017 and plays an integral role in the firm’s marketing and client service efforts. She oversees marketing initiatives, manages the firm’s social media presence, and helps ensure that marketing materials and professional profiles remain current and meet corporate compliance standards. She also assists with client service and day-to-day office needs, enjoying the variety her role brings and the opportunity to help clients and colleagues find solutions.
Outside of the office, Christine is passionate about giving back to organizations that have made a meaningful impact in the lives of others. She volunteers as a mentor with Imerman Angels and supports Blood Cancer United. In her free time, Christine enjoys camping, hiking, and spending time with her family. She especially loves cheering on her two daughters at their softball and basketball games and activities.
Nathan A. 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.
Victoria A. Valentin, LSA
Client Services Administrator
Victoria has been a valued member of the Heritage Planners team since 2022. In her role as Client Services Administrator, she is responsible for maintaining accurate client records, managing a variety of service requests, and assisting with preparation for weekly appointments. Victoria enjoys the dynamic nature of her position, appreciating the opportunity to learn something new every day while actively contributing to clients' progress toward their financial goals.
A proud United States Air Force veteran, Victoria served as a paralegal and brings a strong background in discipline, organization, and attention to detail. In addition to her military experience, she offers over seven years of customer service expertise, which enhances her ability to connect with clients and support their needs effectively.
Outside of work, Victoria has been experiencing life as a new mom! She enjoys camping with her husband, taking her son out on adventures, spending time with her many pets, and challenging herself with sudoku and crossword puzzles.
Lauren M. Harris, LSA
Client Services
With more than ten 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 Dolly at their campground.
Serenity
Logistics and Support Associate
serenity@heritage-planners.com
Serenity L. O’Connell, a student at Perrysburg High School and enrolled in CCP courses at Bowling Green State University, with a focus on marketing and finance. She is gaining valuable real-world experience, not only by working alongside her father, but also by learning from professionals with more than 80 years of combined industry experience.
In her role, Serenity supports the team with a variety of day-to-day responsibilities, including calendar organization, appointment scheduling, computer-based administrative work, and helping ensure the office stays organized and running efficiently. Through her experience in the office, Serenity is developing a firsthand understanding of the financial services profession while strengthening important skills in organization, communication, time management, and attention to detail. Her exposure to experienced professionals, combined with her academic focus in marketing and finance, provides her with a unique opportunity to connect what she is learning in the classroom with practical, real-world experience.
Outside of school and work, Serenity enjoys working out, spending time with friends, cooking, and going hunting with her dad. She likes staying active, trying new things, and making time for the people and activities that are most important to her.
Grace E. Totten
Executive Assistant
Grace provides dedicated support to Louis Fahrbach and his clients, with a focus on life insurance policies, meeting coordination, and managing the main office phone. She plays a key role in guiding clients through necessary paperwork, gathering important data, and ensuring they feel supported throughout the process.
She strives to make each step as smooth and stress-free as possible, addressing questions and concerns with care and attention. Her highest priority is delivering excellent client service and fostering strong, trusting relationships.
Outside of work, Grace enjoys spending time with her husband and two kids by travelling, being outdoors, and enjoying local coffee shops.
Adelaide B. McIntire, FPQP®
Paraplanner
amcintire01@ft.newyorklife.com
Adelaide brings over 20 years of experience in the financial planning industry. As a dedicated paraplanner, she supports Louis Fahrbach by assisting in the drafting of financial proposals and managing client investment accounts. Adelaide is also responsible for client account setup and transfers, and she plays a key role in addressing client inquiries and providing account-related services.
She particularly enjoys being involved in the financial planning process and takes pride in helping clients work toward their financial goals.
Adelaide earned her Financial Paraplanner Qualified Professional™ (FPQP®) designation from the College for Financial Planning®—a Kaplan Company in 2003 and has successfully maintained her certification ever since.
Originally from France, Adelaide moved to the U.S. in 1989 and is fluent in both French and English. She is a proud mother to her son, Eric, and in her free time, she enjoys painting, drawing, traveling, cooking, and dancing.
The Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals, is recognized globally as the standard of excellence for life insurance sales performance in the insurance and financial services industry.
*Council is an annual company recognition program based on agent production from July 1-June 30.