Wolfgang Financial and Insurance Agency

What Wolfgang Financial and Insurance Agency does

Wolfgang Financial and Insurance Agency, operating under parent entity Wolfgang Financial Group LLC (dba Wolfgang Financial and Insurance Agency), is a California-based independent financial services firm founded in 2015. The firm provides retirement income and protection products to individuals and families approaching or in retirement, including life insurance, annuities, long-term care insurance, Medicare supplements and advantage plans, and Social Security planning. Service delivery occurs through three Southern California office locations (Temecula, San Diego, Carlsbad), educational seminars, online quote request tools, and personalized one-on-one consultations. The firm carries California insurance license #0K07551, BBB accreditation, and Forbes Finance Council membership.

The firm operates a multi-entity structure that bundles complementary services under common ownership: fee-based investment advisory through Wolfgang Capital LLC (an SEC Registered Investment Adviser), tax preparation through Wolfgang Tax & Accounting LLP, and insurance products through Wolfgang Financial Group LLC. Legal services including estate planning, trusts, and probate are provided through an unaffiliated referral relationship with Drovetta Law APC. This integrated structure enables a single-client-relationship model spanning insurance commissions, recurring advisory fees, and tax preparation revenue streams, with CEO Zachary Herzog and Managing Director Ryan C. Mizer as the primary producer-advisors.

The go-to-market model is event-driven and consultation-based: top-of-funnel acquisition through live seminars and Kiplinger editorial contributions by the CEO, mid-funnel engagement via downloadable guides and email newsletter, and bottom-of-funnel conversion through scheduled meetings and a refer-a-friend program. The firm operates exclusively within California per an explicit regulatory disclosure on its website. Revenue figures are not publicly disclosed, no external funding rounds or investors are on record, and the firm does not disclose any proprietary technology or AI/ML capabilities, operating instead as a human-delivered, relationship-driven advisory practice with a standard third-party client portal (emaplan).

Name

Wolfgang Financial and Insurance Agency

Legal name

Wolfgang Financial Group LLC

Website

https://wolfgangfinancialgroup.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Wolfgang Financial and Insurance Agency is a California-based independent financial services firm providing retirement income planning, life insurance, annuities, Medicare, and long-term care products to retirees and pre-retirees through personalized consultations and educational seminars across three Southern California offices.

Ownership category

akta.pro rank

Product category

Retirement Financial Planning

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Life Insurance (6311)

akta.pro industry

PRIMARYFSAEABAH

Annuity & Insurance-Based Retirement Solutions Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEABAI

Retirement Benefits & Social Security/Medicare Planning

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEAAAD

Retirement & Pension Planning (401(k)/IRA)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAACAI

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions)

Financial & Insurance/Asset & Wealth Management/Registered Investment Advisors (RIAs) & Independent Wealth Managers

Keywords

• Retirement income planning
• Life insurance agency
• Annuity products
• Medicare planning
• Wealth management

Headquarters

HQ city

Temecula

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Investment Advisory Services: Fee-based financial planning and investment advisory services offered through Wolfgang Capital LLC, an SEC Registered Investment Adviser. Revenue generated through advisory fees.
2. Insurance Products: Life and health insurance products and services offered through Wolfgang Financial Group LLC dba Wolfgang Financial and Insurance Agency. Insurance commissions as a revenue stream.
3. Tax Services: Tax preparation and accounting services offered through Wolfgang Tax & Accounting LLP.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Wolfgang Financial and Insurance Agency provides retirement-focused financial planning and insurance products to individuals and families in California. The firm sells life insurance, annuities, long-term care insurance, Medicare plans, and Social Security optimization strategies, and coordinates fee-based investment advisory services through affiliated SEC-registered adviser Wolfgang Capital LLC and tax preparation through affiliated Wolfgang Tax & Accounting LLP.

Product overview

Wolfgang Financial and Insurance Agency operates as a fee-based financial services firm offering a coordinated suite of retirement income and protection products. The core portfolio centers on life insurance, annuities, Medicare coverage, long-term care insurance, and Social Security planning, all designed to help retirees and pre-retirees protect their finances and create sustainable income streams. The company also provides wealth management and investment advisory services through its affiliated SEC Registered Investment Adviser, Wolfgang Capital LLC, and tax planning through Wolfgang Tax & Accounting LLP. Additional services including trusts, estate planning, probate, and charitable giving are provided via referrals to vetted professional partners. The overall offering functions as a unified retirement planning approach combining insurance products with financial advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Life Insurance Life insurance coverage for legacy planning, including final expenses, debt payoff, college savings, and tax-advantaged cash value accumulation during retirement, sold to individuals and families.
• Social Security Planning Guidance on Social Security filing strategies, including optimal timing decisions, spousal continuation planning, and taxation considerations for retirement income, provided to individuals approaching retirement.
• Long Term Care Insurance Insurance products that protect against the financial risk of long-term care needs, including home health aides and assisted living facility costs, sold to individuals and pre-retirees.
• Medicare Plans and Supplements Medicare enrollment guidance and supplemental insurance products covering Parts A, B, C, and D, including Medicare Supplement and Medicare Advantage plans, provided to beneficiaries age 65 and older.
• Annuities Insurance products providing guaranteed income streams, market downside protection, and death benefits as an alternative to market-dependent investments, sold to retirees and pre-retirees.
• Wealth Management and Investment Advisory Fee-based financial planning and investment advisory services provided through affiliated SEC Registered Investment Adviser Wolfgang Capital LLC, offered to individuals and families seeking coordinated retirement wealth management.
• Tax Planning and Preparation Tax preparation, accounting, and retirement income tax optimization services offered through affiliated firm Wolfgang Tax & Accounting LLP, provided to individual clients for integrated retirement planning.

Quantifiable outcome

• 70% of Americans who reach age 65 will need some form of long-term care (US Department of Health and Human Services estimate)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core, supporting and minor.

• Wolfgang Capital LLCcoreStrategic or Co-development PartnerAffiliated SEC Registered Investment Adviser providing fee-based financial planning and investment advisory services. Both companies share common ownership and operate as affiliated entities under the Wolfgang Financial Group umbrella.
• Wolfgang Tax & Accounting LLPcoreStrategic or Co-development PartnerAffiliated tax preparation and accounting services firm. Part of the integrated financial services offering providing comprehensive retirement planning including tax planning services.
• Drovetta Law APCsupportingStrategic or Co-development PartnerUnaffiliated law firm providing legal services referred to clients. Complements the financial planning services with estate planning, trusts, and probate legal support.
• GenworthminorOthersThird-party cost of care data provider used for educating clients on long-term care costs. The company references Genworth's Cost of Care calculator for national average cost comparisons.
• KiplingersupportingGTM or Marketing PartnerEditorial content partnership where CEO Zachary Herzog serves as a contributing advisor, publishing articles on retirement planning topics. Provides credibility and earned media presence.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Edward Jones: Large U.S. independent financial advisory firm with thousands of branch offices focused on individual investors, retirement planning, and insurance products. Comparable to Wolfgang in offering retirement income planning, life insurance, and annuity solutions through a local-advisor model.
• Ameriprise Financial: National financial advisory and insurance company with a large advisor force distributing retirement, wealth management, and protection products. Comparable to Wolfgang through its holistic retirement-income model combining insurance and fee-based advisory.
• Northwestern Mutual: Mutual insurer and wealth manager with a strong advisor network focused on life insurance, disability income, and retirement planning. Comparable to Wolfgang given its emphasis on insurance-led retirement income solutions and individual advisor distribution.
• New York Life: Large mutual life insurer with affiliated investment advisory services selling life insurance, annuities, long-term care, and wealth management. Comparable to Wolfgang via its bundled retirement income and protection product suite distributed through career agents.
• MassMutual: Mutual insurer with affiliated wealth management arm offering life insurance, annuities, retirement plans, and investment advisory services. Comparable to Wolfgang through its integrated insurance + advisory model aimed at individual retirement savers.
• Waddell & Reed Financial (Macquarie Asset Management): Financial advisory firm (now part of Macquarie) focused on retail investors, retirement planning, and insurance products. Comparable to Wolfgang through its retail retirement-income distribution model.
• Prudential Financial: Large diversified insurer and asset manager with strong retail retirement, life insurance, and annuity offerings plus affiliated advisor channels. Comparable to Wolfgang through its emphasis on retirement income protection products distributed to individual households.

Direct peers

• Bankers Life: Insurance-focused subsidiary of CNO Financial Group that targets middle-income pre-retirees and retirees with life insurance, annuities, Medicare supplements, and long-term care products. Highly comparable to Wolfgang given its near-identical niche: serving pre-retirees and retirees with retirement income and protection products.

Others

• LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of independent financial advisors with compliance, technology, and product access. Comparable to Wolfgang as an enabling infrastructure peer — Wolfgang itself could conceivably use an IBD like LPL for back-office support as it scales.
• Cetera Financial Group: Independent broker-dealer network supporting independent financial advisors with retirement, insurance, and advisory solutions. Comparable to Wolfgang as both a structural peer (independent advisor distribution) and an enabling infrastructure option for scaling agencies.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Wolfgang-Financial-Group-105125735231823/?ref=page_internal
• LinkedInlinkedin.com/company/wolfgang-financial-and-insurance-agency-llc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wolfgang Financial and Insurance Agency