Providing Comprehensive Services

For All Your Financial Needs

Guidance you can trust

Securities offered through

Serving individual investors and small businesses with their fi nancial planning, retirement, investment and insurance needs since 1985.

Helping You Achieve Your Financial Objectives

As you look toward the future and outline goals for your life – whether it is a new vacation home, a comfortable retirement or leaving a lasting legacy for your family – it becomes clear that you will need a comprehensive plan to meet those objectives.

Herbert Financial Group (HFG) can help you identify and plan for your fi nancial objectives, creating effective strategies to reach those goals. Independently owned and operated for more than 30 years, HFG has earned a reputation for providing sound fi nancial guidance to individuals, families and businesses. As an independent registered advisory fi rm, HFG offers securities through Centaurus Financial Inc., a national broker/dealer and member of FINRA and SIPC. HFG’s branch offi ce in Auburn Hills is one of more than 400 offi ces from coast to coast.

The HFG Mission: To form long lasting relationships with our clients so we may assist them in reaching their wealth management objectives and obtain fi nancial peace of mind.

The HFG Vision: To be trusted and respected by our clients for our professional knowledge, integrity, independent fi nancial advice and exceptional service.

The HFG Team Approach: The HFG team strives to provide our clients with a well-rounded, high level of personal service from a qualifi ed team of fi nancial advisors and support staff that exceeds your expectations.

The Operations Dept.Director of Operations, Operations Associates, Research Assistants and Interns

• Handles all account questions

• Detailed appointment preparation

• Handles investment research

• Prepares and processes all paperwork

• Provides prompt and personal customer service

The Marketing Dept.Director of Marketing and Marketing Associate

• Creates and coordinates client and special events

• Keeps clients up-to-date via social media, the website, newsletters, weekly email communication, press releases and charitable giving

• Keeps track of scheduling appointments and follow-ups for all clients and prospects

The Receptionist• Personally greets all clients

with a smile and offers refreshments

• Answers all incoming calls to the offi ce and directs them to appropriate team members

• Ensures each client has a positive and enjoyable experience during each visit

Estate and Tax Planners• HFG offers an affi liated Tax

Planner and Estate Planner for clients to work with

• Offers year round tax planning, tax managed investments and tax harvesting

• Provides estate planning to ensure your legacy

Our Team Structure

The Advisors• Develops, services and delivers

fi nancial plans

• Manages all portfolios

• Monitors the market

• Reallocates portfolio’s based on market cycles or changes in objectives and goals

• Facilities estate and tax planning with your Attorney and CPA

• Reviews and assesses life insurance needs

The HFG Team Approach Herbert Financial Group’s success stems from a promise to be dedicated to the well-being of our clients and their families. In a time of automation, we stay committed to this promise with prompt, direct care from a full-service team.

What Makes Our Team Stand Apart? We have carefully structured the HFG team to be large enough to offer our clients a variety of fi nancial services, yet small enough to provide each and every client with the personal attention to detail and dedication they deserve. Our tier of professionals encompasses Advisors, an Operations Department, a Marketing Department, Receptionist, and Estate and Tax Planners.

Guidance you can trust

A Disciplined Investment ProcessHFG Financial Advisors thoroughly analyze your personal situation, determine your risk tolerance and assess the market environment as we develop your investment plan utilizing a holistic wealth management approach to help you achieve your financial goals.

The HFG Process

1. We help you to identify your financial goals so they are measurable and achievable

2. We determine your Financial Time Horizons.

3. We assess your Risk Tolerance

4. We create a time-tested Investment and Asset Allocation Strategy specifically designed to help address your family’s needs

5. We develop a holistic and comprehensive Financial Plan that includes:

·

6. We offer continued and consistent Guidance, Advice & Monitoring of your financial plan and assets. We will meet with you regularly to review your plan and investments to ensure you reach your goals and adjust your portfolio based upon the following:

We pride ourselves on providing exceptional Personal Service from a Dedicated Team to form an enriched and long-term relationship with you.

Financial Planning: A Blueprint for Your Financial SuccessWe help you develop a blueprint for a stable financial future. Once the plan is developed, we have the tools necessary to build that plan. Due to the benefits of an independent broker/dealer, we also have access to almost any product or service in the financial realm.

Our Comprehensive Holistic Financial Planning Process Includes:

• Organizing Finances/Establishing Objectives and Budgets

• Retirement Income Planning

• Review of Employee Benefits including Defined Benefit Plans

• Extensive Knowledge of the GM, Delphi, FCA and Ford Benefit Packages

• Executive Compensation – STIP, RSU, PSU, LTIC

• Tax Advantaged Investments

• 401(k) and Pension Rollover Management

• Education Savings Plan

• Investment Portfolio Analysis

• Strategic Asset Allocation

• Managed Fee Based Accounts

• Exchange Traded Funds (ETFs)

• Variable/Fixed/Indexed Tax Deferred Annuities

• Real Estate Investment Trusts, Direct Participation Programs, Limited Partnerships

• Mutual Funds/Stocks/Bonds

• Life Insurance/ Review and Needs Analysis

• Tax Planning Services

• Estate Planning Services

• Working closely with your or our affiliated CPA and attorney

• Tax managed retirement savings and spending advice

• Life Insurance

• Estate planning to ensure your heirs are provided for

• Market changes

• Employment and income changes

• Tax law changes

• Health, disability, death

Guidance you can trust

Our Automotive Employee Expertise At HFG, one of our areas of expertise is delivering full-service personal fi nancial planning to automotive employees and retirees. Extensive knowledge of the GM, Delphi, FCA and Ford packages allows us to provide clients with the knowledge to take full advantage of their entitlements and to achieve their fi nancial objectives.

Timothy Herbert Personal Experience

• Tim Herbert worked at multiple GM locations in various Human Resources and Management positions for 16 years (from 1983-1999)

• Tim has spent over 31 years monitoring all changes and adjustments to GM benefi ts

Scott Torosian Personal Experience

• Scott has been a successful Independent Financial Advisor maintaining and implementing comprehensive retirement analysis and transitional plans for GM and automotive employees since 2005

Areas of Automotive Expertise

Other Value-Added Resources

• Can provide options for investing inside and outside with GM savings plans

• Offers client seminars regarding recent changes in GM retirement plans

• Provides timely news updates surrounding GM information

• GM Retirement Savings Plan (GM RSP)

• GM Personal Savings Plan (GM PSP)

• Delphi 401k

• FCA Savings Plan

• Ford SSIP

• Ford TESPHE

• Defi ned Benefi t Pensions

• Lump Sum Pension Rollovers

• GM Executives

• Supplemental Executive Retirement Plan (SERP)

• Executive Retirement Plan (ERP)

• Long Term Incentive Compensation (LTIC)

• GM Restricted Stock Units (RSU)

• GM Performance Stock Units (PSU)

• Short Term Incentive Pay (STIP)

• Tax Advantaged Investments

• Early Retirement and Salaried Employee Transition Offers

• GM Enhanced Variable Pay/ Team GM

• Flexible Spending Accounts

• Health Savings Account (HAS)

• Disabilities and Long-Term Care Insurance

• Traditional and Variable Life Insurance

• GM Metlife Group Variable Universal Life (GVUL)

Tax Planning ServicesReducing your taxes requires comprehensive, year-long planning. It’s not something you can do effectively by waiting until April 15th of each year. We can work with you to help implement tax-wise strategies to reduce your annual tax liability and keep more of what you earn.

Our Comprehensive Tax Planning Services Include:

• Year-round tax planning

• Tax-managed investments

• Tax harvesting

• Qualifi ed retirement plan analysis

• Highly concentrated stock position strategies

• Debt restructuring to maximize allowable interest deductions

• Charitable contributions

• Tax-wise planning for employee stock options

• Lifetime gifting strategies

Estate Planning ServicesA sound estate can help ensure that your assets will be distributed according to your intentions. It can also minimize estate taxes and preserve more family wealth for your loved ones.

We Will Help You Answer These Questions:

Business Planning ServicesWe’re also a strategic partner for your business. As a business owner, you may face challenges that come along with achieving success. That’s why, to help your business thrive and grow, it helps to have a fi nancial partner who understands your needs and cares deeply about your success. HFG is that partner. We can help you sort out the complicated fi nancial issues you often encounter and be a strategic resource you can rely on to help your business run as smoothly as possible.

Our Business Services Include:

• Have you planned properly for the threat of disability or incapacitation?

• Have you considered setting up a living trust?

• Have you planned to remove life insurance proceeds from your estate?

• Is your estate protected from taxes?

• Have your adult children planned their own estates?

• Employee benefi t packages

• 401(k) plans

• Pension and profi t-sharing plans

• Deferred compensation plans

• Exit strategies and succession planning

• Business insurance and protection plan

Guidance you can trust

The cornerstone of our business is

providing the highest level of unbiased

fi nancial service and sound guidance

so the entire HFG team of fi nancial

professionals can concentrate their

time and energies on developing and

implementing solutions designed to

turn your fi nancial dreams into realities.

We would be happy to meet with you to discuss your investment needs and

objectives. Contact us to learn more about how we can help you simplify your

fi nancial life through comprehensive and personalized fi nancial strategies.

2701 Cambridge Court, Suite 525Auburn Hills, MI 48326

(248) 648-8598

www.hfgllc.com

Securities offered through Centaurus Financial Inc., a registered broker/dealer and member FINRA/SIPC. Herbert Financial Group and Centaurus Financial Inc. are not affi liated companies.

Investment products involve investment risk, including possible loss of principal amount invested. Investment return and principal value will fl uctuate so that the investment, when redeemed, may be worth more or less than the original investment.

IIS7273 08/15