About Us

Get to Know Our Estate Planning Attorney in El Cajon, Tate Lounsbery

Tate Lounsbery is an estate planning attorney in El Cajon. He has been a licensed attorney since 2005 and has owned his own El Cajon-based law firm for most of his legal career. Tate also holds a California life and health insurance license.

As an estate planning attorney in El Cajon, Tate loves serving pre-retirees and retirees in El Cajon and nearby east county cities. He holds a soft spot in his heart for those in their golden years. This makes retirement planning and estate planning perfect fits for Tate.

When it comes to retirement strategies, Tate believes in protecting assets. The #1 rule in your golden years is to not lose money, which means some or part of your assets should be protected from market decline. Safeguard your principal and get a reasonable rate of return.

For estate strategies, Tate likes the control, flexibility, and low cost of trusts, the low cost of term insurance, and the guaranteed benefits that come with permanent life insurance. For the right person, he strongly prefers having both a term policy and a whole life policy because they each have their place.

Prior to becoming an estate planning attorney in El Cajon, he earned a bachelor’s degree from Brigham Young University and juris doctorate degree from the University of San Diego School of Law.

What Makes Our Estate Planning Attorney in El Cajon Different

Most estate planning lawyers do not also hold a license for life and health insurance. They focus primarily on your estate: what happens to your wealth after you die. Tate focuses on both retirement planning and estate planning, at the same time. They should be thought of as one plan.

We take a holistic approach to retirement and estate planning. After all, how you approach your assets in retirement determines what’s left in your estate.

We call this approach to combined retirement and estate planning: The Shield & Stream^TM Retirement and Legacy Plan.

Our Estate Planning Attorney in El Cajon Treats Clients Like Family

When we say we treat you like family, what we mean is we would never set up a plan or sell you a product that we wouldn’t feel comfortable for ourselves or our family members.

For example, there are hundreds, if not thousands, of different financial products suitable for retirees, offered by many different carriers. These carriers all receive ratings, such as S&P Global ratings and AM Best ratings. The top ratings are AAA or A++ down to a D rating at the worst. Some financial professionals offer products from D-rated carriers. We will never do that.

We recommend products from A-rated carriers. In some circumstances, for specific products, we may recommend a carrier rated B++. We work with some of the industry’s best, most stable, most resilient carriers, who have been in business for over 100 years. When your financial well-being is on the line, that’s what you deserve.

When it comes to estate planning products (such as wills and trusts), we offer a great deal of flexibility. Sometimes we offer legal services and legal representation. On the other hand, we have ways of reducing your costs by offering help that do not involve formal legal services. Regardless of your needs and financial resources, we can help.

Working With Us

We mostly work remotely rather than in-office. That means most of our communication will be by video appointment or telephone. Our clients appreciate that they do not have to leave the comfort of their home to get the services they need.

Get to Know the Team

Tate has a fantastic team around him serving our clients with smiles, speed, understanding, patience, and hard work.

Christine is our Case Manager. Clients communicate directly with her most. Christine is knowledgeable and friendly and has a can-do attitude.

Stephanie is our Paralegal who makes all the magic happen behind the scenes. She has a serve-first approach, willing to go the extra mile to make sure clients are satisfied.

Both Christine and Stephanie are irreplaceable, integral team members who earn the respect and gratitude of our clients.

Maria is our Events Director. She ensures our events run smoothly, that our clients’ needs are met at events, and that our clients feel welcome and comfortable while there.

We also work with financial professionals and fiduciaries whose investment strategies align with The Shield & Stream^TM Retirement and Legacy Plan. They favor, and excel with, defensive equity-based products. Whether your retirement and legacy plan involves investment for growth or income purposes, they know how to structure the proper allocation.

Our Estate Planning Attorney in El Cajon Can Work with Your Current Advisors

If you already have an estate planning attorney, but need help from a financial professional to design your retirement plan, that’s not a problem at all. In fact, we can team up with your current attorneys, advisors, and CPAs to devise the perfect retirement and estate strategy for you.