Success Starts Here

Our client relationships are built on trust. Whether you’re an affluent individual, business or advisor seeking tailored life insurance services based on trust, your success starts here.

I'm an Individual

Individual Life Insurance Services

We offer unbiased, reliable and independent advice to clients and advisors. Our process of due care allows you to evaluate how life insurance, tax-efficient investing, and disability insurance fits into your financial plan. We also provide services to review and audit existing insurance policies and evaluate the potential market value of your policy for a life settlement.

I'm a Business

Business Services

Life Insurance & Disability Insurance

We offer buy-sell funding, key person life insurance and key person disability insurance to our corporate clients. We also provide institutional and proprietary insurance funding vehicles for corporate liability funding. In order to retain and reward key executives, our services focus on non-qualified benefit plans, executive life insurance plans, excess disability plans and pre-funded long-term care plans. 

I'm an Advisor

Advisor Services

We provide Individual Reviews to help you evaluate and understand your client's life insurance, disability and/or long-term care policy. We also provide Business Reviews to help you evaluate and understand your client's executive benefit plan, split-dollar life insurance plan, and/or the life insurance portfolio that is funding corporate liabilities.

"Make it a practice to keep on the lookout for novel and interesting ideas that others have used successfully. Your idea has to be original only in its adaptation to the problem you are working on."

Thomas Edison

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