We may be able to save you some dollars. Show us pictures of the suspect leaves.

You need a test lab that deals with plants. Contact your county's Extension Service office to obtain that sort of info. You can locate your county's office with this interactive map:

http://npic.orst.edu/pest/countyext.htm

By the way, if you are allergic to an airborne fungus on your tree, it's likely that removing the tree won't help.

I assume your allergy tests were done by a medical specialist. If so, that person should have suggestions for you. Perhaps a series of desensitization injections may help.

Also, there's the issue of seasonal pollen in the air.

Further, an individual's allergies are often multiple, not to just one thing.

There are a few new ficus pests that have entered California in the past few years. One is the eye spot midge. Could taht be the problem?

Ficus eye spot midge