Pelorus Financial Group in Encinitas operates as a brokerage general agency on Encinitas Boulevard, distributing life insurance, annuity, disability, and long-term care products to independent financial advisors nationwide. Securities offered through The Leaders Group, Inc. (FINRA/SIPC) underpin the firm's indexed-annuity and variable-product distribution, a compliance layer that parallels the fiduciary banking services available at Enterprise Bank & Trust in Encinitas. The underwriting desk specializes in estate-planning insurance, structuring irrevocable life insurance trust funding, buy-sell agreement coverage, and key-person policies for closely held businesses. ILIT and buy-sell placements regularly coordinate with estate-planning attorneys such as Family Advocates to align policy beneficiary designations with trust instrument language. Highest-complexity cases involve survivorship life policies with split-dollar arrangements and premium-financing structures designed for estate-tax liquidity above the federal exemption threshold.