Wolfgang Capital

What Wolfgang Capital does

Wolfgang Capital LLC is a privately held, fee-based financial planning and investment advisory firm registered with the SEC and domiciled in California. Founded and led by CEO Zachary W. Herzog, the firm operates exclusively in Southern California through three offices located in Temecula, San Diego, and Carlsbad, and serves individual clients rather than institutional accounts. Its primary customer segments are pre-retirees and retirees seeking coordinated retirement planning, high-net-worth individuals with $3 million or more in net worth pursuing tax and legacy efficiency, and individuals navigating life transitions such as inheritance, divorce, or the loss of a spouse.

The firm's flagship offering is the Whole Picture Retirement Plan®, a trademarked methodology structured around five pillars — income, investments, taxes, healthcare, and legacy. Service modules are delivered through a multi-disciplinary team including advisors, a tax strategist (Travis Cramer), and an estate attorney (Victoria Scarth of Drovetta Law APC), with insurance products offered through affiliated Wolfgang Financial Group LLC and tax services through Wolfgang Tax & Accounting LLP. Supporting tools include a complimentary book, an online risk-score assessment, monthly Wednesday Wisdom educational seminars, and a recurring newsletter series. The firm maintains no proprietary technology stack and provides no mobile applications, APIs, or AI/ML-driven products.

The business model is fee-based and recurring, structured around long-horizon retirement planning relationships rather than transaction-driven sales. Marketing and acquisition rely on community-led channels — seminars, content, referrals via the "Family Experience" program, and media placements through CEO visibility on Forbes Finance Council and Kiplinger — supported by direct field sales and inside sales. Pricing is not publicly disclosed and is set during bespoke consultations. The firm is family-owned with no external institutional investors, no disclosed funding rounds, and no M&A activity, operating at a small scale of 1-10 employees.

Name

Wolfgang Capital

Legal name

Wolfgang Capital LLC

Website

https://wolfgangc.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Retirement Planning & Investment Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Tax-Aware Investment Planning (FSAEAAAE)

Keywords

• Retirement planning services
• Investment advisory services
• Financial planning
• Wealth management
• Estate planning services

Headquarters

HQ city

Temecula

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Fee-Based Financial Planning and Investment Advisory Services: Wolfgang Capital LLC offers fee-based financial planning and investment advisory services. The firm is an SEC Registered Investment Adviser. Insurance products and services are offered through affiliated company Wolfgang Financial Group LLC dba Wolfgang Financial and Insurance Agency. Tax services are offered through Wolfgang Tax & Accounting LLP. The firm also offers annuity products designed for long-term investment with administrative fees, annual contract fees, mortality and risk expense charges, and surrender charges.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Wolfgang Capital LLC is an SEC Registered Investment Adviser that provides fee-based financial planning and investment advisory services centered on its proprietary Whole Picture Retirement Plan® framework. The offering bundles income planning, investment management, tax strategy, healthcare planning, and legacy planning into a single coordinated advisory engagement for individuals approaching or in retirement, with insurance products delivered through affiliated Wolfgang Financial Group LLC and tax services offered through affiliated Wolfgang Tax & Accounting LLP.

Product overview

Wolfgang Capital is a financial advisory firm offering retirement planning services through its core product, the Whole Picture Retirement Plan®, a comprehensive framework addressing five pillars of financial life: Income Planning, Investment Planning, Tax Strategy, Healthcare Planning, and Legacy Planning. The firm's services are delivered through a team-based approach with affiliated companies including Wolfgang Financial Group LLC for insurance services and Wolfgang Tax & Accounting LLP for tax services. The firm operates exclusively in California and serves clients through offices in Temecula, San Diego, and Carlsbad.

Differentiator

Problem solved

Functional benefit

Brands

• Whole Picture Retirement Plan: The firm's proprietary comprehensive retirement planning methodology focused on five key areas: income, investments, taxes, healthcare, and legacy planning.

Products and services

• Whole Picture Retirement Plan® The firm's flagship comprehensive retirement planning framework designed for individuals and families approaching or in retirement. It coordinates five service pillars—Income Planning, Investment Planning, Tax Strategy, Healthcare Planning, and Legacy Planning—into a single advisory engagement intended to deliver simplicity and security during retirement. Delivered by a team of advisors, tax strategists, and an estate attorney through a four-step process (discovery meeting, evaluation and analysis review, plan delivery with account setup, and plan finalization).
• Investment Advisory Services Fee-based investment advisory services delivered as part of the Whole Picture Retirement Plan® framework. Includes risk assessment, IRA and 401(k) planning, 401(k) rollovers, volatility exposure management, investment management, and asset class diversification. Provided by Wolfgang Capital LLC as an SEC Registered Investment Adviser exclusively to California residents.
• Insurance Products and Services Life and health insurance products and services offered through affiliated company Wolfgang Financial Group LLC dba Wolfgang Financial and Insurance Agency. Includes life insurance, health insurance, supplemental insurance, Medicare plan selection and adjustments, long-term care planning, and annuity products (with administrative fees, annual contract fees, mortality and risk expense charges, and surrender charges). Zachary Herzog (CA LIC# 0H085434) and Ryan Mizer (CA LIC# 0L96675) are licensed life and health insurance agents with this affiliated firm.
• Tax Services Tax planning and preparation services offered through affiliated Wolfgang Tax & Accounting LLP. Includes charitable giving strategies, tax-deferred accounts, Roth conversion analysis, tax planning and filing, long-term tax efficiency strategies, retirement tax strategies and projections. Travis Cramer serves as Tax Strategist with over a decade of public accounting experience.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Wolfgang Financial Group LLC dba Wolfgang Financial and Insurance AgencycoreOEM/ Whitelabel/ Licensing PartnerAffiliated company offering insurance products and services. Licensed life and health insurance agency (CA LIC # 0K07551) operating in the greater Southern California area. Zach Herzog is a licensed life and health insurance agent (CA LIC# 0H085434) with this firm. Ryan Mizer is also a licensed life and health insurance agent (CA LIC# 0L96675) with this firm.
• Wolfgang Tax & Accounting LLPcoreStrategic or Co-development PartnerAffiliated tax services provider offering tax planning and filing services. Tax Strategy Services including charitable giving, tax deferred accounts, Roth conversion analysis, tax planning and filing, and retirement tax strategies are offered through this partnership.
• Drovetta Law APCcoreStrategic or Co-development PartnerLegal services partner offering estate planning services. Victoria Scarth serves as Estate Attorney. Legal services are offered through this unaffiliated company for trust administration, estate planning, succession planning, and business planning.
• Forbes Finance CouncilminorOthersCEO Zachary W. Herzog is a contributing member of Forbes Finance Council, an invitation-only organization for senior-level finance executives. Membership includes access to industry insights and opportunity to contribute articles to Forbes publications.

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Edward Jones: Large retail brokerage/advisory firm serving individuals and families with retirement, investment, and insurance planning. Comparable retail advisory model targeting similar pre-retiree and retiree segments.
• Wealth Enhancement Group: RIA platform providing financial planning, investment management, tax, and retirement planning to HNW clients. Direct overlap with Wolfgang's holistic retirement planning approach.
• Ameriprise Financial: Retail financial advisory firm offering retirement, investment, tax, and estate planning services. Comparable holistic retirement-focused advisory model to Wolfgang Capital.
• Focus Financial Partners: RIA consolidator providing capital and infrastructure support to independent wealth management firms. Comparable as a peer model to Wolfgang's fee-based advisory practice.
• Edelman Financial Engines: Large RIA specializing in retirement plan participants and rollovers, with holistic planning, investment management, and tax services. Closely aligned to Wolfgang's retirement-focused, fee-based advisory model.
• Mariner Wealth Advisors: National RIA offering comprehensive financial planning, investment advisory, tax, and estate services to HNW individuals. Comparable holistic offering and HNW retirement focus.
• Creative Planning: Large, nationally recognized RIA offering holistic financial planning, investment management, tax, and estate services. Comparable to Wolfgang Capital's integrated, multi-discipline advisory approach but at significantly greater scale.

Direct peers

• Carson Group: Network of RIAs providing holistic financial planning supported by an affiliated platform of services (coaching, tech, investment solutions). Direct peer to Wolfgang's team-based, multi-discipline retirement planning model.
• Prudential Advisors: Retail financial advisory arm of Prudential offering retirement income planning, investment management, and insurance solutions. Directly comparable to Wolfgang's integrated retirement + insurance offering.

Emerging players

• Empower (Personal Capital): Digital RIA and retirement planning platform specializing in 401(k) rollovers and holistic financial planning. Emerging competitor to Wolfgang's high-touch model with stronger technology and lower fee structure.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Wolfgangcapital
• Facebookfacebook.com/WolfgangCapitalTemecula
• LinkedInlinkedin.com/company/wolfgang-capital-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 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 Capital