We are committed to our specialty and strength within insurance and benefit planning. Our focus centers around plan design, product placement and administration for life insurance, disability insurance, long-term care insurance, and benefit plans.

Now in our fourth decade in business, we serve a loyal group of clients with responsive and personal service. Our commitment to genuine personal relationships and a proactive response to client needs is central to our operating philosophy. Clients range from Fortune 500 companies, wealthy individuals and families, closely held companies and family partnerships.

TRC Financial has been engaged in insurance and benefit consulting for nearly 40 years. TRC Financial has a team with diverse experience that allows us to deliver a broad range of high quality service in the areas of insurance solutions, executive benefits and wealth transfer funding. Learn more about our Services.

Our Services

Private Client Services

TRC Financial’s Private Client Services provides strategic wealth transfer, wealth protection and wealth accumulation planning. In working with clients and their advisors, we use an integrated approach to insurance placement and funding. Using proprietary solutions and delivering objective recommendations based on nearly four decades of experience in the industry, our team delivers solutions custom to each TRC client. Private Client Services also provides ongoing administration and monitoring of the insurance and underlying investments we manage for our clients.

Wealth Transfer Insurance Funding: Provides tax-efficient gifting and funding of life insurance to assist families and trusts with the transfer and protection of wealth.
Proprietary Tax-Advantaged Life Insurance Plans: We utilize various institutional life insurance product chassis, including private placement, to fund various tax-deferral and wealth transfer solutions.
Leveraged Premium Solutions: Access to proprietary premium financing solutions for funding life insurance. The funding solution allows clients to benefit from utilizing the tax features of life insurance with the leverage of financing.
Gifting Solutions for Long-Term Care: Provides additional gifting opportunities for clients to fund long-term care liabilities for the next generation while providing a return of premium wealth transfer element – these solutions are except from gift tax.
Consulting Services: We provide various levels of consulting services for insurance portfolios, high net worth families and trusts – this includes policy audits, plan restructures, product placement and private underwriting.

Corporate Benefit Services

TRC Financial’s Corporate Benefit Services focuses on delivering innovative design, implementation, security, funding and management of executive benefit programs. Our consultative approach to executive benefit programs allows our team to work with senior executives, compensation committees and boards to structure programs geared specifically to the company’s objectives and philosophy.

Leveraged Bonus Plans: Company can provide a benefit that is secure from corporate creditors and allows participants to earn equity rates of return without market risk using tax deductible dollars.
Non-Qualified Retirement & Incentive Plans: Company provided benefit plans to allow an executive to defer income and accumulate retirement benefits as a defined benefit or defined contribution – these plans can also be based on company performance.
Health & Welfare Benefit Plans: TRC takes a unique approach in helping employers evaluate plan design and funding alternatives for their health and welfare plans such as adoption of new consumer-driven health plan designs including health reimbursement arrangements.
Benefit Restoration Plans for Disability: Disability plan to provide executives with full replacement of all sources of income; provides executives with portable coverage that pays benefits if one cannot perform the material duties of their occupation.
Pre-Funded Long-Term Care Plans: Company provided paid-up policy for an executive to cover expenses in the event they require treatment in a long-term care facility; these plans are funded with tax-deductible premiums and are paid-up before retirement.
Consulting Services: We provide various levels of consulting services for executive benefit programs – this includes plan audits, plan design, plan funding, benefit security, enrollment and plan administration with third-party providers.

Closely Held Business Services

TRC Financial’s Closely Held Business Services focuses on delivering innovative benefit plan design and insurance funding geared to the closely held business owner. Closely held businesses often require a higher level of benefit flexibility and control. Our consultative approach to planning with closely held business owners allows our team to structure programs geared specifically to the business owners objectives and philosophy.

Buy-Sell Funding: The buy-sell agreement controls what happens to ownership upon the occurrence of a triggering event, such as the death, retirement, or disability – we provide funding alternatives for these events.
Salary Continuation Funding: Provide salary continuation documentation and funding for closely-held businesses – salary continuation in closely-held businesses requires unique and custom solutions.
Leveraged Bonus Plans: Company can provide a benefit that is secure from corporate creditors and allows participants to earn equity rates of return without market risk using tax deductible dollars.
Business Continuity & Succession Plans: We work with client advisors to fund business continuity and succession plans to provide the business with liquidity and appropriate benefit programs to insure continuity and succession.
Tax Advantaged Benefit Solutions: Provides business owners with tax advantaged benefit solutions to provide tax-deductible plan contributions for owners and key employees of the business.

Securities offered through M Holdings Securities, Inc., a Registered Representatives Broker/Dealer Member FINRA/SIPC. Investment Advisory Services offered through David L. Roberson Financial & Insurance Services, Inc. TRC Financial and David L. Roberson Financial & Insurance Services, Inc. are independently owned and operated.