Estate Planning is an integral part of the total planning process. Unfortunately, there is widespread misinformation about many Estate Planning strategies. Financially successful people are often surprised to learn how difficult and expensive it is to transfer assets to their loved ones. Estate Planning is sometimes viewed as the final step of financial planning. As consultants, we understand that effective Estate Planning requires actions throughout one's lifetime. Therefore, we keep Estate Planning issues in mind throughout the planning process.

When clients seek Estate Planning advice, we pride ourselves in being aware of the multitude of conflicting issues that must be balanced in the creation of the most advantageous plan for the client. The depth of our understanding enables us to help clients overcome the numerous confusing misconceptions surrounding many Life Insurance and trust-based Estate Planning strategies. Rather than simply asking the client what they wish to achieve, as Estate Planning Consultants, we explain the pros and cons of many alternative tools that could be utilized to achieve their objectives.

We have many years of experience creating estate plans designed to minimize tax and administrative costs, enabling maximum distributions to heirs. These strategies often involve living trusts, charitable trusts of various types, life insurance trusts, grantor retained interest trusts, residential trusts, private annuities, charitable foundations, and many other strategies tailored to the client's needs.

Mr. Davis, the founder of The Financial Advisory Group, was the first Financial Planner ever admitted to San Francisco's prestigious Estate Planning Council.

Securities offered through Centaurus Financial, Inc., a Registered Broker/Dealer, Member FINRA/SIPC
James O. Davis, Registered Representative [California Insurance License #0712211]