CPAs, Lawyers & Investment Firms



Advisors use our individual review and audit services for:

  • Life Insurance: Evaluate and understand the performance of a client's existing life insurance policy or portfolio of policies.

  • Disability Insurance: Review a client's existing disability coverage, including existing company or individual policies; highlight total compensation (including incentive and equity-based pay) and identify coverage shortfalls.

  • Long-Term Care Insurance: Review a client's existing long-term care coverage and make recommendations based on available options.



Advisors use our business review and audit services for:

  • Non-Qualified Benefit Plan: Evaluate and understand the design and funding of a client's existing executive benefit plan.

  • Split-Dollar Life Insurance Plan: Review a client's existing split-dollar plan, including the life insurance policy(ies); evaluate policy performance and potential split-dollar restructure options.

  • Life Insurance Funding: Review a client's life insurance formal or informal funding of benefit plan liabilities.

Copyright © 2021 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, Virginia, 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 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

(949) 509-2940