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Secure Your Family’s Future with a Living Trust

Avoid Probate, Reduce Stress, and Gain Peace of Mind

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Prefer to talk? Call (866) 833-6113

  • Licensed in California · LIC# 0M10241
  • Local offices in Salinas and Downey
  • Options from several insurance carriers

We work with carriers like

  • National Life Group
  • Midland National
  • Athene
  • F&G Annuities & Life
  • Mutual of Omaha

What Happens Without a Living Trust?

  • Probate Delays – Your loved ones may wait months or years to access your assets.
  • Higher Legal Costs – Court fees, attorney costs, and other expenses reduce the value of your estate.
  • The State Decides – Without a trust, the state will determine how your assets are distributed, possibly against your wishes.
  • Family Disputes – Without clear instructions, disagreements among heirs can arise, leading to conflicts and legal battles.

A Living Trust ensures your assets go where you want, without court delays or unnecessary costs. It provides a clear plan for your estate, helping your loved ones avoid confusion, legal battles, and financial strain during an already difficult time.

Why a Living Trust?

Avoids Probate

Keep your family out of court and save time. Probate can take months or even years, delaying access to your assets.

Stay in Control

Decide who gets what and when. A trust allows you to set conditions for distribution, ensuring financial security for your heirs.

Keep It Private

Unlike a will, a trust is not public, so your estate details remain confidential.

Save on Legal Fees

Reduce unnecessary expenses associated with probate and court proceedings.

Plan for Incapacity

A Living Trust allows you to appoint someone you trust to manage your assets if you become unable to do so.

Smooth Transition

Your family can avoid delays, legal challenges, and confusion, ensuring a seamless transfer of assets without unnecessary stress.

Did you know?

A Living Trust can be designed to benefit multiple generations? By setting up a dynasty trust, your assets can be passed down to children, grandchildren, and even great-grandchildren while minimizing estate taxes and protecting wealth from creditors. This means your family’s financial security can last for decades, ensuring that your hard work benefits those who come after you.

Living Trust Vs Will

FeatureLiving TrustWill
Avoids Probate✅ Yes❌ No
Controls Asset Distribution✅ Yes❌ No
Keeps Affairs Private✅ Yes❌ No
Reduces Legal Fees & Taxes✅ Yes❌ No
Effective Immediately✅ Yes❌ No
Protects in Case of Incapacity✅ Yes❌ No

Get to know our trusted managing partner.

Jose H CPIS Financial_v4

Managing Partner

Jose Hernandez-Gomez, CFS®,CAS®,CTS™,CES™

Planning your financial future can feel overwhelming, but you don’t have to do it alone. With over a decade of experience in financial and estate planning, tax strategies, investments, and insurance, Mr. Gomez is here to help you take control of your money and secure your future.

As the Managing Partner at Capital Pensions and Insurance Solutions, he believes that everyone deserves financial clarity—whether you’re planning for retirement, building wealth, or protecting your family’s legacy. He takes a personalized approach, knowing that every financial situation is unique and requires a tailored strategy.

Why Work with Mr. Gomez?

✅ Experienced & Knowledgeable – Over 10 years guiding individuals and families to financial success.
✅ Educator & Advocate – Passionate about making financial concepts easy to understand.
✅ Bilingual & Community-Focused – A proud advocate in the Latino community, regularly featured on Telemundo and Univision sharing expert financial insights.
✅ Comprehensive Approach – From estate planning to tax strategies, he ensures your financial puzzle fits together seamlessly.

With a background in law and finance, Mr. Gomez has a deep understanding of the legal side of estate planning, giving his clients an extra layer of confidence when making financial decisions.

What happens after you reach out

  1. Tell us about you

    Share your name, contact details and what you'd like to protect. It takes about a minute.

  2. Talk with a licensed agent

    An agent reaches out to learn your goals and budget and answer your questions.

  3. Compare and decide

    Review options side by side and choose what fits, at your own pace.

What clients say about working with CPIS

  • “Excellent experience. Clara helped us obtain mortgage protection insurance and set up our Living Trust in a clear and professional manner. She explained everything very patiently, and now we have peace of mind knowing that our home and family are protected.”
    Juan H.Google review · August 2026 · translated from Spanish
  • “Four years ago, Clara helped me purchase my life insurance and my mother's, and José helped me set up my trust. I am so grateful to both of them for their help in protecting my family and putting my affairs in order.”
    Chio H.Google review · October 2026 · translated from Spanish
  • “They really take the time to educate and care for their clients, not just sell services. From life insurance and annuities to living trusts and brokerage services, they offer everything in one place and make the process feel simple and trustworthy.”
    Vanessa R.Google review · May 2026

Read all reviews on Google

Take the First Step and Contact Us Today!

Quick and simple! Jose Hernandez -Gomez CES™ CTS™ CFS® CAS® CIS™ will walk you through the process and answer any questions.

More questions people ask

Living trust vs. will: which do I need?

A will names who receives your property and a guardian for minor children, but it usually goes through probate court. A living trust lets your assets pass to your family without probate and stays private. Many families have both: a trust for their main assets and a pour-over will for anything left outside it.

Do I need a will if I have a trust?

Usually yes. A pour-over will catches any assets not titled in the trust and is where you name guardians for minor children.

What is the downside of a living trust?

It takes more work up front: assets such as your home and accounts must be retitled into the trust, and it costs more to set up than a simple will. A trust only avoids probate for the assets that are actually in it.

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