About Us

We are an independent firm that delivers a reliable and unbiased approach to acquiring and managing life insurance portfolios, specialty disability coverages and innovative non-qualified benefit plans for successful individuals and companies. We work closely with client advisors in designing and funding our life insurance, disability and non-qualified benefit plan solutions.

TRC Financial has continued its proud tradition of helping families, individuals and companies with their insurance and benefit plans for the protection, transfer, and accumulation of wealth. TRC Financial clients include affluent families, entrepreneurs, privately held companies and select public companies. Our organized and systematic approach is designed to help reduce internal staffing needs through technology and maximize client resources, while ensuring that insurance and benefit plans are designed, funded, and managed to meet specific and appropriate client objectives. TRC has become synonymous with continuity and innovation in the planning, design, funding, and management of life insurance and non-qualified benefit plans for individuals, estates and businesses.

Who We Serve

Individuals & Families

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

Entrepreneurs & Owners

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 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.

Now in our fifth decade and second generation of management, we serve a loyal group of clients with responsive and personal service. We are the oldest and most established firm of its type in Southern California. Our commitment to genuine personal relationships and a proactive response to client needs is central to our operating philosophy. We look to the future, confident that we are our clients’ most reliable source for life insurance, disability and non-qualified benefit plan solutions to the challenges faced in the protection, transfer, and accumulation of wealth.

Darren Gallaway TRC Financial
Darren Gallaway

Darren Gallaway is a Principal with TRC Financial, a full service life insurance firm that specializes in the analysis, design, and implementation of insurance policies for corporations and affluent families. Darren is responsible for managing client relationships and overseeing the day-to-day operations of TRC.

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(949) 509-2940, ext. 227

CA License #0B52893

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Jim Roberson TRC Financial
Jim Roberson

Jim Roberson is a Principal of TRC Financial, a full service life insurance firm that specializes in the analysis, design, and implementation of insurance policies for entrepreneurs, corporations and affluent families. He was formerly an Associate in the Los Angeles office of Mullin TBG, a national benefit consulting firm, which is one of the founding firms of the M Financial Group. Jim was responsible for the design and life insurance funding of benefit plans that focused on wealth accumulation and retirement for high-income executives.

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(949) 509-2940, ext. 224

CA License #0B40789

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"The best thing about the future is that it comes one day at a time."

Abraham Lincoln

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. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

(949) 509-2940