Tax-Efficient Investing

Properly designed life insurance and annuity products are utilized to defer taxes on various asset class investments and to establish a plan for long-term investing on a tax-efficient manner, while remaining in control of the assets. Generally, the optimum asset classes are fixed income, alternative investments or equity portfolios with high annual turnover, and high-income tax states like California & New York.

Minimize burdens to achieve tax deferral

We use properly designed and proprietary insurance products to deliver powerful tax-efficient investing.

We provide proprietary and institutional insurance products.


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


We deliver a detailed analysis to compare long-term results based on tax rates, earnings assumptions, and holding periods.


Work to deliver the appropriate product based on objectives, desired investment options, and time horizon.

Tax-efficient investing with insurance

Life insurance and private placement annuity contracts have become an extremely viable investment vehicle. Many of today's life insurance and annuity products offer an individual or trust an efficient and tax advantaged way to invest after-tax dollars.

How It Works


Gather information on your objectives, overall holdings, and health of potential insureds.

Product Analysis

We analyze life insurance and annuity products based on objectives and private placement offerings where appropriate.


Apply for the product selected for tax-efficient investing. The product, either life insurance or annuity, will have different requirements for placing the coverage.


Issue the life or annuity policy, wire funds and allocate based on investment decisions.

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

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