Insurance coverages and tax-deferred alternative investments

Innovative insurance planning to meet your unique liquidity needs.




Depending on your life stage, you may still have a large percentage of your wealth in your business. We design life and disability insurance coverages with time horizons that align with your liquidity plans.




You are not alone. Many of our clients don’t think about the impact of taxes and other estate costs in the event of death. We protect the value of illiquid assets to allow your heirs to keep your most valuable assets in place.




We help entrepreneurs place life and disability insurance on themselves and/or their key employees. We structure the coverage to minimize the financial impact and use flexible products to align with your time horizon.


We structure institutional insurance products to help you minimize the administrative costs and burdens to achieve tax deferral. You can stay in control of the assets while deferring taxes on alternative and traditional asset classes.




You may participant in activities that put you at risk. We provide personal and corporate Accidental Death & Dismemberment coverage for many activities such as race car driving, piloting, scuba diving, and mountain climbing.

Coverage Amounts

Life insurance death benefit and disability amounts from $500,000 to $100,000,000+.


Properly designed insurance is appropriate to allocate some of your fixed income and/or alternative investment allocation to reduce taxes.


Get a quote and preliminary analysis within 3 to 5 business days.

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

We understand the needs of entrepreneurs.

We use proprietary products and analysis others don't to give you the results you deserve.

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 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