Ultra Estate Planning

What Ultra Estate Planning does

Ultra Estate Planning is a privately held, service-based financial advisory firm headquartered at 501 N. El Camino Real, Suite 200, San Clemente, California, serving families and retirees across California. The firm delivers an integrated suite of estate and retirement planning services, anchored by a Comprehensive Estate Planning Package built around Revocable Living Trusts and including Pour Over Wills, Financial Durable Power of Attorney, Advanced Health Care Directive, Trust Transfer Deeds, and an Estate Settlement Program. Complementary offerings include the Pension Max Program (a pension maximization strategy pairing Single Life Payout pensions with convertible Term-to-Whole Life insurance), Retirement Services (Self-Directed IRAs, Fixed and Fixed Indexed Annuities, Managed Money Services), Tax Planning, and a Special Needs Trust sub-product.

The firm operates with a sales-led, education-first go-to-market: virtual complimentary consultations and educational seminars serve as top-of-funnel acquisition channels, followed by personalized advisory engagements and annual client check-ins to keep documents and trust-held real property current. Revenue is generated primarily through professional services fees for estate planning packages and pension/retirement advisory work, with additional licensing/royalty economics from Fixed and Fixed Indexed Annuity distribution and managed services fees from ongoing investment management coordinated via a partnership with Financial Enhancement Group (Paul Karshner). Service delivery relies on licensed Legal Document Assistants, Independent Insurance Producers, Realtors, and Certified Financial Planners; the firm explicitly states its advisors are not attorneys and cannot provide legal advice. Technology is described as not applicable, and the firm maintains no app, API, or disclosed AI capabilities.

Name

Ultra Estate Planning

Legal name

Ultra Estate Planning

Website

https://ultraestateplanning.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Ultra Estate Planning is a San Clemente, California-based advisory firm offering integrated estate planning, retirement services, pension maximization, and tax planning to California families and retirees, delivered via licensed Legal Document Assistants, insurance producers, and Certified Financial Planners.

Ownership category

akta.pro rank

Product category

Estate Planning Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Private Wealth Planning (Tax, Estate & Succession) (FSAAABAE), Tax-Aware Retirement & Estate Coordination (FSAEABAJ)

Keywords

• Estate planning services
• Retirement planning
• Pension maximization
• Living trust preparation
• Financial advisory services

Headquarters

HQ city

San Clemente

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Estate Planning Services: Fees for comprehensive estate planning package including Revocable Living Trust, Certification of Trust, Pour Over Will, Financial Durable Power of Attorney, Advanced Health Care Directive, Trust Transfer Deed, and Estate Settlement Program.
2. Pension Maximization Program: Advisory services for pension maximization strategy involving Term Life Insurance policy setup that can be converted to Whole Life at the end of the Term.
3. Retirement Planning Services: Services for setting up Self-Directed IRAs, Fixed and Fixed Indexed Annuities, and Managed Money Services for ongoing investment management.
4. Fixed and Fixed Indexed Annuities: Multi-Year Guaranteed Interest Rate products and Fixed Indexed Annuities issued by insurance companies providing market protection and growth opportunity.
5. Managed Money Services: Ongoing investment management and coordination services to keep estate plan, retirement plan, and tax strategy aligned.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Ultra Estate Planning is a service-based advisory firm that prepares estate planning legal documents (centered on Revocable Living Trusts) and delivers retirement planning, pension maximization, and tax planning services for California families. Its bundled Comprehensive Estate Planning Package includes a Revocable Living Trust, Certification of Trust, Pour Over Will, Financial Durable Power of Attorney, Advanced Health Care Directive, Trust Transfer Deed, and Estate Settlement Program. Ongoing retirement services cover Self-Directed IRA rollovers, Fixed/Fixed Indexed Annuities, and Managed Money Services, while the Pension Max Program pairs a Single Life Payout pension with Term Life Insurance convertibility to Whole Life to provide tax-free benefits to surviving spouses and heirs.

Product overview

Ultra Estate Planning is a service-based company offering a unified portfolio of estate and retirement planning services. The core offerings include Estate Planning (centered on Revocable Living Trusts), Retirement Services (Self-Directed IRAs, Fixed/Fixed Indexed Annuities, Managed Money Services), Pension Maximization (Pension Max Program), and Tax Planning. These services are offered as individual offerings and bundled in the Comprehensive Estate Planning Package, which includes multiple legal documents (Revocable Living Trust, Pour Over Will, Financial Durable Power of Attorney, Advanced Health Care Directive, Trust Transfer Deed, Estate Settlement Program). The company also offers Special Needs Trust as a specialized sub-product. Services are provided through licensed Legal Document Assistants, Independent Insurance Producers, Realtors, and Certified Financial Planners, with a focus on California residents.

Differentiator

Problem solved

Functional benefit

Brands

• Pension Max Program: Pension maximization program that allows retirees to provide for their family using Single Life Payout with Term Life Insurance.

Products and services

• Estate Planning Services Comprehensive estate planning services centered on Revocable Living Trusts to help California clients avoid probate, manage assets during incapacity, control distribution to beneficiaries, save on taxes, and maintain privacy.
• Retirement Services Customized retirement planning for families, including transfer of employer-sponsored retirement funds to Self-Directed IRAs, placement of Fixed and Fixed Indexed Annuities, and ongoing Managed Money Services for investment management aligned with estate and tax strategy.
• Pension Maximization (Pension Max Program) Program that enables healthy, non-smoking retirees to elect the higher-paying Single Life Payout pension option and use part of that income to fund a Term Life Insurance policy convertible to Whole Life, delivering tax-free benefits to the surviving spouse and tax-free transfer of any remaining reinvested funds to beneficiaries.
• Tax Planning Coordinated tax planning strategies integrated with estate and retirement planning to help mitigate capital gains taxes, federal estate taxes, and gift taxes.
• Comprehensive Estate Planning Package Bundle of legal documents including Revocable Living Trust, Certification of Trust, Pour Over Will, Financial Durable Power of Attorney, Advanced Health Care Directive, Trust Transfer Deed, and Estate Settlement Program — designed to avoid probate, manage incapacity, and distribute assets under client control.
• Special Needs Trust Legal instrument designed to receive inheritance for beneficiaries receiving state benefits without interfering with those benefits.
• Retirement Savings Program Program that transfers retirement funds from employer-sponsored plans to Self-Directed IRAs, supporting customized retirement planning for households.

Quantifiable outcome

• Eliminate Probate Court from estate - Probate can take 1-3 years and cost thousands in court and attorney fees
• +3 more outcomes

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

One partnership is on record.

• Financial Enhancement GroupminorStrategic or Co-development PartnerStrategic partnership with Financial Enhancement Group for Managed Money Services. Paul Karshner from Financial Enhancement Group provides ongoing investment management and coordination services to ensure client accounts are positioned correctly, retirement income decisions are coordinated, and tax planning is considered.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fisher Investments: Large RIA managing portfolios for high-net-worth and retirement-focused clients. Comparable on the managed money and retirement income planning side that Ultra delivers via its Financial Enhancement Group partnership.
• Cambridge Investment Research: Independent broker-dealer supporting financial advisors with retirement, insurance, and wealth management solutions. Comparable as the type of larger affiliation platform Ultra could leverage for scale, and which competes for the same independent advisor talent pool.
• Ameriprise Financial: Large diversified financial services firm offering retirement planning, annuities, and estate planning through its advisor network. Overlaps with Ultra's retirement, annuity, and tax-aware planning offerings but at national scale.
• Edelman Financial Engines: Large national RIA offering retirement planning, investment management, and estate planning. Overlaps with Ultra's full-service advisory offering but at much greater scale and with a stronger digital/advisor hybrid model.
• Cetera Financial Group: Independent broker-dealer network supporting thousands of financial advisors with retirement, insurance, and annuity distribution infrastructure. Comparable as the type of platform through which Ultra's independent producers distribute Fixed/Fixed Indexed Annuities.

Direct peers

• Rocket Lawyer: Online legal services platform offering estate planning, wills, and POAs via subscription. Directly competes with Ultra's document preparation service for cost-conscious consumers seeking self-service legal documents.
• LegalZoom: Online legal services company offering estate planning documents (wills, living trusts, POAs). Competes with Ultra for the same end-customer need (estate document preparation) at lower price points via self-service technology.
• Wealth Enhancement Group: Independent wealth management firm providing financial planning, retirement, and tax services. Directly comparable as Ultra's referral partner for managed money services and operates a similar holistic advisor-led model.
• Trust & Will: Online estate planning platform offering wills, trusts, and related documents. Directly comparable to Ultra's Revocable Living Trust and document bundle business but delivered via a self-service digital channel rather than in-person advisor-led sales.

Others

• Nationwide Financial: Issuer of Fixed and Fixed Indexed Annuities and life insurance products. Comparable as the upstream product manufacturer for the annuities Ultra distributes through its Independent Insurance Producers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ULTRAEstatePlanning
• LinkedInlinkedin.com/company/ultra-estate-planning

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Ultra Estate Planning