Katzner Law Group in Encinitas has focused exclusively on estate planning since its founding in 2009, operating from its Encinitas Boulevard office with a second location in New York City. Property held in revocable living trusts often requires refinancing during the retitling process, and the firm coordinates trust-funding documentation with the mortgage services that Hargrave Home Loans provides for North County homeowners transferring deeds into trust. Practice areas span asset protection planning, probate and trust administration, wealth preservation, Medi-Cal spend-down strategies, and values-based planning for blended families, unmarried couples, and divorced individuals. Life insurance policies held within irrevocable life insurance trusts require annual Crummey notice distribution and premium-payment coordination, a process the firm manages alongside the policy servicing that carriers through Farmers Insurance - Thomas Krynicki administer for trust-owned whole-life and universal-life products. The most complex builds layer generation-skipping trusts, qualified personal residence trusts, spousal lifetime access trusts, and domestic asset protection trusts with multi-entity holding structures designed to shelter assets exceeding $13 million per individual under current federal exemption thresholds.