TRC Financial

TRC Financial is an independent insurance advisory firm based in Irvine, California, serving entrepreneurs, corporate executives, affluent families, employers, institutions, and their advisors. As a member firm of M Financial, it combines decades of experience with access to proprietary insurance products and designs. Its independent approach supports unbiased guidance in selecting, structuring, and managing insurance strategies.

The firm specializes in life insurance portfolios and also advises on disability and long-term care insurance, executive benefit plans, and private placement insurance investment accounts. Services include life insurance reviews, policy administration, life settlement analysis, and corporate solutions such as key person coverage and company-sponsored benefit plans. TRC Financial also helps clients explore tax-deferred investment strategies through private placement annuity and life insurance contracts.

Its long-term care solutions are designed to address care expenses and may provide benefits for long-term care, supplemental retirement income, or a death benefit, depending on policy design. Through ongoing policy analysis and administration, TRC Financial helps clients assess performance, premiums, and coverage as financial, estate, and business planning needs evolve.