Copyright © 2020 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial Group. Please go to and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship.

(949) 509-2940

Behind every policy is a great relationship

Life insurance, disability, and non-qualified benefit plan solutions designed for the affluent and institutional client.

Individuals & Families

We serve successful individuals and families with the protection and planning for liquidity when you need it most.


We understand the needs of entrepreneurs and deliver innovative insurance and liquidity planning to meet your needs at each stage of your journey.

Corporate Executives

We help corporate executives protect income and retirement with plans that insure the gaps created by employer-paid insurance and qualified retirement plans.

Employers & Institutions

We provide services to help employers protect key employees, implement and fund non-qualified benefit plans, and deliver proprietary alternative investment solutions.

Private Equity & Venture

A risk often overlooked by PE and VC firms, is the disability or death of key personnel within their portfolio of companies. Insuring the risk is pennies compared to the capital invested.


TRC Financial is an independent firm that delivers a reliable and unbiased approach to acquiring and managing life and disability insurance portfolios and innovative benefit plans. We use over five decades of experience combined with unrivaled service & technology to bring unique life insurance, disability insurance, and benefit plan solutions to our clients and advisors. Our focus centers around proprietary plan design, product placement, and administration for life insurance, disability insurance, executive benefit plans, and private placement insurance investment accounts.

Simple Way to Achieve Tax-Deferral on Investment Gains

Private Placement Annuity and Life Insurance Investment Accounts enable investors to defer current taxation on investment gains.

Gain Valuable Insights Into Your Life Insurance Policy

Evaluate the economics of your life insurance policy or portfolio of policies - short and long-term performance, premium cash flow and IRR.

Just Surrender or Die? Unlock More of Your Policy's Value

Understand market values for a life insurance policy beyond what is reflected in the Annual Policy Statement.


1 Post, Suite 150 

Irvine, California 92618

(949) 509-2940

Monday - Friday | 8:30am to 5pm PST