Corporate Executives

Insure gaps created by employer-paid insurance and qualified retirement plans

Close the gaps in your insurance and retirement plans.

Non-Qualified &

Secure Incentive Plans

In order to retain and reward key executives, companies often need to provide additional benefit plans beyond stock-option and other equity-based benefits.




We focus on company-paid long-term care plans to provide a paid-up benefit for plan participants to take into retirement.


Life Insurance


Provides excess or supplemental life insurance to a select group of employees with no earnings impact to the company.




We identify shortfalls in group disability plans as well as replace income not covered because of plan monthly maximums (e.g. $15,000 per month Group LTD maximum).

Participant Group

We provide a consulting service to help you understand gaps in current coverages and new plan options - including the liabilities and funding associated with those options.

Custom-Tailored Plans

We work closely with outside counsel to review plan design, draft the legal agreement(s) supporting the plan(s), and implement funding for the plan liabilities.

Corporate Objectives

Companies have often limited incentive-based programs to just cash or equity. We review options beyond traditional cash and equity-based plans.

We just need a little of your time to understand corporate objectives and benefit plans to determine best next steps and possible solutions for your team.

Provide key benefits to your key employees.

We use proprietary products aligned to corporate objectives while closing gaps in benefit plans.

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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