"360 Financial was highly professional and knowledgeable and assisted our firm with setting up a structured settlement as efficiently as possible. Their work allowed our client to structure their financial recovery in a manner which best served their financial needs and objectives while also significantly reducing their tax burden." - Kelly Armstrong, Esquire

Douglas H. Arnest

President / Settlement Planner / Financial Advisor
Contact Douglas

Douglas H. Arnest is a founding partner/financial advisor of 360 Financial, LLC. Doug is a problem solver to the first degree and eagerly accepts challenges from which others shy away. Pulling from personal experience and that from helping others, Doug is able to identify with and communicate with individuals on a level that other consultants simply cannot. He is known nationally as a passionate advocate for the Plaintiff's use of, and access to, proper comprehensive financial planning, fully recognizing that a proper plan is largely the difference between success and failure as victims move forward with their lives. Like his partners, he is personally involved in hundreds of cases each year and is also a staple on the CLE speaking circuit.

Doug is a master carpenter and a boat/watercraft enthusiast. When he is not playing the role of super dad to his twin daughters, Addison & Ashley, Doug can be found on his boat with his wife and first mate Kate.

Doug's comments on what makes 360 Financial Different:

"A long time ago one of my English teachers had a saying that has in many ways become my mantra, and that is 'The more you know, the more you know.' And the one thing that I have learned is that due to no fault of their own, the majority of our clients really 'don't know' where to even start when it comes to planning for their financial future. Thus, it's our job to ask the right questions and then provide access to the right answers so that when it comes time to make decisions, they truly are in the know."


  • Future needs analysis for settlement recipients.
  • Experience in catastrophic personal injury cases including medical malpractice and wrongful death as well as employment cases involving wrongful termination and discrimination.
  • Cases involving minors, adults lacking capacity, and individuals receiving needs-based government benefits.


  • 360 Financial, LLC, San Francisco, CA
    Partner / Settlement Planner
    2011 - Present
    Affiliated with Delta Settlements
  • 360 Financial, LLC, San Francisco, CA
    Partner / Settlement Planner
    2010 - 2011
    Affiliated with Millennium Settlements
  • High Impact Structures, LLC, Denver, CO
    Partner / Settlement Planner
    2005 - 2009
    Affiliated with Delta Settlements
  • High Impact, Inc., Denver, CO
    Partner / Vice President
    1998 - 2011


  • Barden Capital


  • Series 65 License
  • Life and Health Insurance License - Multiple State Registrations


  • U.C. Berkeley Personal Financial Planning Program
  • University of Tennessee - M.S., 1997
  • University of Tennessee - B.S., 1995