About Us

Our Resources Are Your Formula for Success!

Smart Money Financial. Inc. excels in the brokerage marketplace. Our core of insurance carriers, diverse product base, experience, and production volume give us the ability to solve your problems and the needs of your clients. Adopt us as your primary brokerage source and expand your markets to include the latest advanced sales concepts, best products, aggressive underwriting and unequalled service. We feature:

  • A multiple company approach
  • Access to a broad spectrum of excellent products
  • Technical expertise in estate planning, deferred compensation and business insurance markets
  • Superior skill and resources in impaired risk underwriting
  • Specialized marketing programs such as Pension Rescue Programs
  • A Term spreadsheet program to save you time and effort in shopping the Term insurance market
  • General Agent contracts, Personal Producing General Agent contract and Preferred Producer bonus program available
  • An extremely competent staff to support you administratively and allow you to focus on selling
  • The latest in computer software and hardware support

Bruce A. Hersh, CFP


Hersh Bruce

Bruce has been in the insurance business since 1981 as a Brokerage General Agent. During that time, he has directed his energies in growing Smart Money Financial, formerly known as Harris-Hersh Financial Services, by assisting independent brokers in the marketing and design of innovative solutions for advanced insurance needs. Key to this development has been an unbiased multi-company approach and a focus on providing proven long term solutions for SMF clients. This combined with expertise in developing plan design, product selection and impaired risk underwriting combined with his advanced business and industry designations enable his agents to provide effective insurance solutions.  Bruce has a Bachelor of Arts from Southern Illinois University and has a Master of Business Administration degree from Keller Graduate School of Management.


Harold L. Harris, CLU, ChFC

Harold PicHarold graduated with a Bachelor of Science degree from the University of Illinois at Champaign-Urbana. He then went on to graduate with a Master of Business Administration degree from Roosevelt University where he was elected as a member of the international honor society Beta Gamma Sigma. Harold began his insurance career as a multi-line agent in 1980 in Chicago, IL. By working in this environment he gained valuable insight into the needs of insurance producers. The following year he teamed up with Bruce Hersh with whom he later founded the insurance brokerage agency Harris-Hersh Financial Services, Ltd., now known as Smart Money Financial.  Harold is focused on using his extensive product knowledge and advanced marketing resources to assist financial services professionals. He provides hands on sales assistance, insurance strategies and product consultation and selection. He received his CLU designation in 1983 and his ChFC designation in 1984. Harold is licensed in insurance for life, accident, health, casualty and variable contracts and holds his NASD series 7, 24 and 63 licenses.

Becca Arevalo

Marketing & Sales Support Representative

After graduating from Roosevelt University with a Bachelor of Arts in Professional Communications, Becca spent one year as a Customer Service Specialist at Zurich/Kemper Life assisting agents and clients with term and UL/VUL Products. She is responsible for developing and maintaining marketing materials, insurance company resources and also assisting agents with illustrations and underwriting questions.

Eliza Oates

Licensing, Compensation & Systems Representative

Eliza spent two years working as a case manager in the healthcare industry prior to joining Smart Money Financial. Eliza is responsible for agent licensing and contracting, maintaining commission schedules and agent compensation. She also provides agents with access to Broker Gear for follow-up on their pending case status.

Geneva Williamson

Underwriting Service Representative

Geneva processes new business cases and provides agents with underwriting and application support.