Kirby Cramer, principal, Insurance Broker

We welcome the successful professional who recognizes the need for complete Life Insurance estate planning.  You demand all the options.  Private Client Group combines all essential elements to ensure you make the best long term investment in your Life Insurance. 

Kirby has access to dozens of the World’s leading Life Insurance carriers.  Working closely with his team of experts at Dunhill Marketing in San Diego, this partnership enables Kirby and his associates to create a seamless process to identify, plan and place insurance for the most discriminating clients.  Kirby’s team is a one-stop shop, with the experience to work directly with your Trust company, Estate Planner, Tax accountant and Legal counsel for complete estate planning. 

Kirby’s Private Client Group’s focus is on the client.  We have a full-time medical doctor, Dr. Harrison, who can be spoken with directly, and confidentially, concerning health issues for applications.  Dr. Harrison is familiar with each of the companies, and he offers guidance to help select the appropriate company and insurance policies that work best for each or our clients.  We offer the best choices and service. 

We also understand property & business concerns of high net worth clients. Kirby has 25 years of business, real estate and insurance transactions. He has become well versed in estate tax planning, finance, banking, business operations and real property transactions.  Having the right life insurance is critical to your estate plan, both now, and for future generations. 

His experience as both a buyer, and seller of businesses, empowers him to understand your unique challenges.  Furthermore, as the former owner of three businesses, he fully understands the unique challenges of business operations and property transactions. 

This enables him to assist clients with strategies to maximize their return on investment.  In addition, he is qualified to perform business and commercial evaluations.  Kirby is a licensed Insurance Broker and Real Estate Broker in California, and Washington State. 

Do you need new legal, accounting, banking or Trust company expertise? Kirby has working relationships with JP Morgan Private Bank, Bessemer Trust, Hagen Kurth, Perkins Coie, and Geiger Law firms.  Sometimes it makes sense to get a fresh perspective. 

As a pilot and aircraft owner, Kirby has the skills, and attention to detail, that sophisticated clients require.  In summary, Kirby’s diverse experience enables him to exceed the needs of demanding clients, taking into account all of the client’s financial concerns. 

He was a founding investor of Charter National Bank in Seattle.  He has earned a BBA from James Madison University and completed the YMP at University of Virginia’s Darden School of Business. He is a dedicated father of 3 sons and an avid car and motorcycle collector.