We offer comprehensive insurance solutions and trust document preparation services including:

• Life Insurance: Term, whole, universal, variable, final expense, and group life insurance
• Health Insurance: Individual and group plans, Medicare supplements, Medicare Advantage, dental, vision, and critical illness coverage
• Property & Casualty: Homeowners, auto, renters, condo, umbrella, motorcycle, RV, and boat insurance
• Commercial Insurance: General liability, commercial property, workers' compensation, professional liability, cyber liability, and more
• Trust Document Preparation: Living trusts, pour-over wills, healthcare directives, power of attorney, and property transfer deeds

We serve clients throughout California and Nevada, with a focus on:

• Northern California: Redding, Anderson, Shasta Lake, Red Bluff, and all of Shasta County
• Reno/Tahoe Region: Reno, Sparks, Lake Tahoe, Incline Village, Carson City, and Washoe County
• Las Vegas Metro: Las Vegas, Henderson, North Las Vegas, Summerlin, Paradise, and Clark County

We're licensed to serve clients anywhere in California and Nevada!

Getting started is easy! You have three options:

• Call us: (530) 377-6884 for immediate assistance
• Schedule online: Book a free 15-minute consultation at your convenience
• Email us: madison@reddingtrust.com with your questions

During your consultation, we'll discuss your needs, answer your questions, and determine the best coverage or document preparation options for your situation.

Yes! Madison Kopta is a fully licensed insurance broker in both California and Nevada:

• California Department of Insurance License #4384531
• Nevada Division of Insurance License #4083101

Our licenses are active and in good standing, with authority to write life, health, accident & sickness, property, casualty, and commercial insurance.

Working with an independent insurance broker offers several advantages:

• Multiple carrier access: We work with dozens of top-rated insurance companies, not just one
• Competitive pricing: We compare rates across multiple carriers to find you the best value
• Unbiased advice: We represent YOU, not the insurance company
• Personalized service: One point of contact for all your insurance needs
• Time savings: We do the shopping and comparison work for you
• No extra cost: Our services are typically free to you—we're compensated by the insurance carriers

Our consultation and quote services are completely free!

As an independent insurance broker, we're compensated directly by the insurance carriers when you purchase a policy. This means you get expert guidance, personalized service, and access to multiple carriers at no additional cost to you.

For trust document preparation services, our flat-rate package is $1,495—significantly less than traditional attorney fees of $3,000-$8,000+.

The information needed varies by insurance type. Generally, you'll need:

• Life Insurance: Date of birth, health history, medications, tobacco use, desired coverage amount
• Health Insurance: Household information, current coverage, preferred doctors, anticipated medical needs
• Auto Insurance: Vehicle information (VIN, make, model, year), driver information, driving history
• Home Insurance: Property address, year built, square footage, construction type, mortgage information
• Business Insurance: Business type, number of employees, revenue, property value, operations description

Don't worry if you don't have all this information upfront—we'll guide you through what we need during our consultation!

Absolutely! Many of our clients come to us looking to:

• Reduce their insurance costs
• Get better coverage
• Consolidate policies with one trusted advisor
• Receive more personalized service

We'll review your current coverage, compare it with other options, and help you switch if we can find you better value or protection. We handle all the paperwork and ensure there's no gap in coverage during the transition.

Timing varies by insurance type:

• Property & Auto: Often same-day quotes, sometimes within minutes
• Life Insurance: Instant quotes for some term policies; 2-4 weeks for underwritten policies requiring medical exams
• Health Insurance: Typically within 24-48 hours
• Business Insurance: 1-3 business days depending on complexity

We work efficiently to get you quotes as quickly as possible while ensuring accuracy and competitive pricing.

No, we are not attorneys and we do not provide legal advice or legal representation.

We offer trust document preparation services using proven templates and systems. Our services are designed for straightforward estate planning needs. For complex legal matters, litigation, tax planning, or situations requiring legal counsel, we're happy to refer you to qualified attorneys.

Our focus is on making the trust creation process accessible, affordable, and efficient for families who want basic estate planning protection.

This is one of the most common questions we receive! Here are the key differences:

Will:

• Takes effect only after death
• Must go through probate court (public process, 6-18 months, $3,000-$8,000+ in fees)
• Family cannot access assets during probate
• Public record—anyone can see your business
• Court controls the timeline

Trust:

• Takes effect immediately upon creation
• Avoids probate court entirely (private, quick, cost-effective)
• Family gets immediate access to assets
• Remains private—no public records
• You stay in control

Think of it this way: A will is instructions for what happens after you die. A trust is a legal entity that owns your assets and continues working whether you're here or not.

Our complete trust package is $1,495.

This includes:

• Customized revocable living trust
• Pour-over will
• Healthcare directives
• Financial power of attorney
• Property transfer deed for your primary residence
• One year of secure document storage
• Ongoing support throughout the process

Additional property deeds are just $149 each.

To put this in perspective: Traditional attorneys typically charge $3,000-$8,000+ for the same documents, and probate fees (which trusts help you avoid) often exceed our entire package cost.

You should consider a trust if you:

• Own a home (even with a mortgage)
• Have savings or retirement accounts
• Want to avoid probate fees and delays
• Value your family's privacy
• Want control over how and when your assets are distributed
• Have minor children or special needs dependents
• Own property in multiple states

The reality: Probate fees are the same whether you have $100,000 or $1 million in assets. Court delays affect every family equally. A trust isn't just for wealthy families—it's for anyone who wants to protect their family from unnecessary costs, delays, and stress.

We've streamlined the process to be simple and efficient:

Step 1: Free Consultation (15 minutes)
We discuss your situation, answer questions, and determine if our services are right for you.

Step 2: Purchase Your Trust Package
Once you decide to move forward, you'll complete a straightforward questionnaire with basic information.

Step 3: Personal Dashboard Creation
We create your customized dashboard where you can upload documents, access materials, and track progress.

Step 4: Complete Your Trust
You can either work at your own pace using the dashboard or schedule guided sessions where we walk you through everything via Zoom or in-person.

Timeline: Most clients complete their trust within 1-2 weeks. Your documents are ready instantly once you finish the questionnaire.

Yes! Our trusts are revocable living trusts, which means you can:

• Modify or update them at any time
• Add or remove beneficiaries
• Change trustees or executors
• Add or remove assets
• Revoke the trust entirely if needed

You maintain complete control over your trust during your lifetime. We can assist with updates and amendments as your life circumstances change.

We offer both options for your convenience:

• In-Person: Available at our Redding, CA office (5000 Bechelli Ln. Ste. 104)
• Virtual: Phone consultations and Zoom meetings for clients anywhere in California or Nevada

Many insurance consultations can be handled entirely by phone or video call. For trust document preparation, we offer flexible options including self-paced online completion or guided virtual sessions.

Our office hours are:

• Monday - Thursday: 9:00 AM - 4:00 PM (In-person and virtual appointments available)
• Friday: 9:00 AM - 3:00 PM (Virtual appointments only)
• Saturday - Sunday: Closed

You can schedule consultations online 24/7, and we'll respond to emails and voicemails during business hours.

We strive to respond to all inquiries within one business day. For urgent matters, please call us directly at (530) 377-6884.

During business hours, phone calls are typically answered immediately or returned within a few hours. Emails received after hours or on weekends will be answered on the next business day.

Life happens! We completely understand. You can reschedule your appointment in two ways:

• Online: Use the link in your confirmation email to reschedule
• Call us: (530) 377-6884 and we'll help you find a new time

We just ask that you provide at least 24 hours notice when possible, so we can offer that time slot to other clients.