π 213-414-2808
π§ hans@goldsteinco.net
Expert guidance on Social Security maximization and safe-money annuity strategies for small business owners and individuals.
Maximize your lifetime benefits with expert analysis of claiming strategies, spousal benefits, and tax-efficient planning.
Market participation with principal protection. Guaranteed income riders for lifetime security.
Decades of family experience in life insurance for all situations and business needs.
Comprehensive strategies to create reliable, sustainable income throughout retirement.
Strategic planning to minimize premiums and coordinate healthcare costs with retirement income.
Planning for business owners to transition wealth and ensure family financial security.
Hans Goldstein has sold life insurance to hundreds of clients, giving him an intimate understanding of how families actually plan for the future. Through these relationships, he's witnessed the pain of poor retirement decisions and made it his mission to help others avoid costly mistakes.
With years of family experience in life insurance combined with specialized expertise in Social Security optimization and fixed index annuities, Hans sees the complete financial picture.
Watch our latest educational videos on Social Security updates, market trends, and retirement strategies.
Longevity + Volatility: The foundation of retirement planning
COLA vs Real Inflation: Understanding lifestyle erosion
Precision analysis of your optimal Social Security filing age
Social Security Specialist & Financial Advisor | NPN: 21672117
Hans Goldstein's career in financial services is built on real-world experience and genuine client relationships. For years, he has worked alongside his in-laws in the life insurance industry, selling life insurance to hundreds of clients and witnessing firsthand the financial pain points that families face when retirement planning goes wrong.
Through these years of experience, Hans has seen the devastating consequences of poor timing decisions: families blindsided by Medicare premium increases they didn't anticipate, retirees who claimed Social Security too early and left hundreds of thousands of dollars on the table, and individuals whose retirement plans collapsed because they didn't understand how Social Security, annuities, and life insurance work together.
This deep experience in life insurance, combined with specialized expertise in Social Security optimization and fixed index annuities, allows Hans to see the complete financial picture.
Expert analysis of claiming strategies, spousal benefits, and tax-efficient withdrawal planning to maximize lifetime benefits.
In-depth knowledge of FIA products that provide market participation with principal protection and guaranteed income.
Decades of family experience in life insurance, including term, whole life, and universal life products for all situations.
Comprehensive strategies to create reliable, sustainable income streams throughout retirement years.
Strategic planning to minimize Medicare premiums and coordinate healthcare costs with retirement income.
Planning for business owners to transition wealth and ensure financial security for their families.
Market Upside with Principal Protection | NPN: 21672117
A Fixed Index Annuity (FIA) is an insurance contract that combines the safety of a fixed annuity with the growth potential of a stock market index. Your principal is protected, but your returns are linked to the performance of a market index like the S&P 500.
Unlike investing directly in the market, you don't own the index. Instead, the insurance company credits your account based on the index's performance, with built-in protections against losses.
Your initial investment is protected from market loss (subject to contract terms).
Earn returns based on index performance (caps/participation apply).
Optional riders may provide lifetime income guarantees.
Determines what percentage of index gains you receive (varies by product and market conditions).
The maximum return you can earn in a crediting period, even if the index rises more.
The minimum credited rate is often 0% for a periodβno market loss is applied to your account value.
The timeframe over which returns are calculated and credited (often annual).
Free Resources to Help You Make Informed Financial Decisions | Licensed Agency | NPN: 21672117
Comprehensive guide to maximizing your benefits, claiming strategies, spousal benefits, taxation, and optimization for maximum lifetime income.
β¬ Download PDFDiscover how Fixed Index Annuities work, their benefits and limitations, and whether they're right for your retirement strategy.
β¬ Download PDFInteractive workbook to help you calculate retirement income needs, identify income sources, and create a sustainable plan.
β¬ Download PDFEssential guide to life insurance strategies for small business owners, including buy-sell agreements and succession planning.
β¬ Download PDFWatch our latest educational videos on Social Security updates, market trends, and retirement strategies.
Longevity + Volatility: The foundation of retirement planning
COLA vs Real Inflation: Understanding lifestyle erosion
Precision analysis of your optimal Social Security filing age
Licensed Agency | NPN: 21672117
Huntington Beach, California
Serving clients nationwide
Monday - Friday
9:00 AM - 5:00 PM PST
Licensed Agency | NPN: 21672117
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SOCIAL SECURITY OPTIMIZATION
Strategic Planning to Maximize Your Lifetime Benefits | NPN: 21672117
CLAIMING STRATEGIES
Claim at 62
Earliest possible claiming age
Benefits:
Considerations:
Full Retirement Age (66-67)
100% of your primary insurance amount
Benefits:
Considerations:
Delay Until 70
Maximum benefit amount with delayed credits
Benefits:
Considerations:
KEY CONCEPTS
Full Retirement Age
The age at which you're entitled to 100% of your benefits. For most people, this is between 66-67.
Delayed Credits
Your benefit increases each year you delay past full retirement age, up to age 70.
Spousal Benefits
Spouses may be eligible for benefits based on your work record, even if they didn't work.
Earnings Test
If you claim before full retirement age and work, your benefits may be reduced.