Business Details
Your Trusted Partner for Insurance and Wealth Management
TRC Financial is an independent life insurance firm with decades of experience in providing tailored insurance solutions for affluent individuals, families, entrepreneurs, and institutions. Our expertise lies in leveraging life insurance, disability insurance, and long-term care insurance to protect wealth, preserve legacies, and address complex financial planning needs. We specialize in proprietary product design, unbiased advisory services, and the administration of large insurance portfolios, ensuring clients receive customized solutions aligned with their unique objectives.Our independence from insurance carriers allows us to deliver objective recommendations, while our deep industry relationships provide access to exclusive products unavailable in the retail market. With a focus on innovation and continuity, we serve as a trusted partner for high-net-worth clients and corporate entities seeking strategic risk management and tax-efficient wealth transfer solutions.
Services
Life Insurance
Disability Insurance
Long-Term Care Insurance
Executive Benefit Plans
Private Placement Insurance
Highlights and features
- We offer decades of experience in underwriting and managing custom insurance solutions for affluent clients.
- Our proprietary access to exclusive insurance products ensures tailored solutions unavailable in the retail market.
- Independence from insurance carriers guarantees unbiased advice aligned with client interests.
- We specialize in tax-efficient investing through private placement annuities and life insurance accounts.
- Our team delivers innovative executive benefit plans and corporate liability funding strategies.
Services
Life Insurance
TRC Financial designs and administers customized life insurance solutions for affluent individuals and institutions. Our proprietary products provide liquidity for estate planning, business continuity, and generational wealth transfer. With access to exclusive carrier partnerships, we deliver policies tailored to complex financial needs while ensuring tax efficiency and long-term value.
Long-Term Care Insurance
Our long-term care insurance solutions address retirement and healthcare risks through innovative policy designs. Policies offer tax-free benefits for care facilities, supplemental retirement income, and liquidity under various scenarios. We provide online analysis tools to help clients evaluate costs and select optimal coverage aligned with their future care needs.
Private Placement Insurance
TRC Financial offers private placement annuities and life insurance accounts for tax-efficient wealth accumulation. These solutions allow affluent clients to defer taxes on investment gains while maintaining control over asset allocation. Institutional pricing and flexible investment options make this ideal for high-net-worth individuals seeking to optimize after-tax returns.
Executive Benefit Plans
We create customized executive benefit plans, including key person insurance, non-qualified retirement plans, and incentive programs. Our solutions help businesses attract and retain talent while addressing corporate liabilities. By leveraging institutional life insurance products, we ensure cost-effective funding and compliance with regulatory requirements.
Life Settlement Services
TRC Financial evaluates life insurance policies to determine market value beyond cash surrender options. Our analysis includes life expectancy studies, policy performance projections, and market comparisons to identify potential settlement opportunities. This service helps clients maximize liquidity for trust-owned or key person policies while considering tax implications.
People
Darren Gallaway
Principal
Darren Gallaway manages client relationships and oversees TRC Financial's operations. With expertise in insurance policy analysis and design, he serves corporations and affluent families, ensuring tailored solutions for wealth protection and transfer.
Jim Roberson
Principal
Jim Roberson specializes in designing insurance and benefit plans for entrepreneurs and high-income executives. Prior to TRC, he focused on wealth accumulation strategies at Mullin TBG, bringing deep industry experience to client solutions.
Jeffrey Davis
Associate
Jeffrey Davis brings over 20 years of experience in corporate-owned life insurance and executive benefit plan design. His expertise includes product pricing, actuarial analysis, and regulatory compliance for BOLI portfolios.
James R. Wagner
Associate
James Wagner specializes in COLI/BOLI solutions and non-qualified benefit plans. With 30+ years in insurance, he holds CLU and ChFC designations and consults financial institutions nationwide on executive compensation strategies.
Questions
What types of clients does TRC Financial serve?
TRC Financial specializes in serving affluent individuals, entrepreneurs, corporate executives, private equity firms, and institutions requiring customized insurance and wealth management solutions.
How does TRC Financial's independence benefit clients?
Our independence from insurance carriers ensures unbiased advice, allowing us to select products and strategies solely based on client needs rather than carrier incentives.
What proprietary products does TRC Financial offer?
We provide access to exclusive life insurance, annuity contracts, and executive benefit plans unavailable in the retail market through our carrier partnerships and institutional relationships.
Can TRC Financial help with tax-efficient investing?
Yes, we offer private placement insurance accounts that allow tax-deferred growth on alternative and traditional investments for accredited investors seeking optimized after-tax returns.
How does TRC Financial approach policy reviews?
We conduct comprehensive audits evaluating policy economics, premium efficiency, and restructuring options to maximize value while providing transparent recommendations for improving performance.
