Tax-Efficient Investing

Alternative Investment Strategy

Private Placement Insurance

Affluent families and investors use private placement annuity and life insurance investment accounts to defer alternative and traditional asset class investments from current taxation. These offerings are limited to only accredited investors and qualified purchasers.

Client objectives:

  • Minimize administrative costs and burdens to achieve tax deferral

  • Remain in control of assets

  • Defer taxes on alternative and traditional asset classes

An exclusive and flexible opportunity for the affluent client. Learn more about how you can use private placement insurance products to grow and protect wealth.

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Tax Benefits

Wealthy individuals and families interested in tax-efficient investing are increasingly drawn to the benefits associated with Private Placement Variable Annuity (PPVA) and Private Placement Life Insurance (PPLI) investment accounts. The investment accounts within a private placement annuity and insurance contract enable investors to defer current tax on investment gains, and should therefore be thought of as simply a tax-deferred investment account. Investors can make deposits and take distributions from these accounts with the same flexibility as other investment accounts.

Product Features

Institutionally Priced

TRC Financial, through M Financial, provides clients with proprietary access to private placement annuity and life insurance contracts.

Tax Deferred Accumulation

Use the power of compounding to defer taxes on investment gains.

Maximum Flexibility

Make deposits, adjust the asset allocation among various investment options, and change the beneficiary designation at any time.

Product Costs

Generally, the incremental cost of the private placement annuity or life insurance investment account is substantially lower than the cost of income taxes otherwise payable on investment gains.

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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

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