C Financial and Tax Associates
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About
C Financial and Tax Associates works primarily with individual clients and a range of other account types (trusts, estates, small businesses, charitable organizations and retirement plans) offering financial planning, tax preparation, and advisory introductions. The firm provides hourly financial planning focused on retirement and business planning and prepares individual and business tax returns as a separate service.
The firm does not generally provide direct portfolio management for individual accounts; instead it assists clients in identifying and implementing asset allocation and selects third‑party money managers (using platforms such as SEI, Orion, and PFG) who handle portfolio discretion and trade execution. Advisory relationships are typically non‑discretionary from the firm’s perspective and the firm coordinates and reviews manager performance while providing investment advice and an investment policy statement when engaged.
Distinctive features compared with many independent, solo advisers include that the firm’s principal also operates as a registered representative of a broker‑dealer and as a licensed insurance agent, and the firm discloses the sale of insurance and securities products and tax services as separate revenue sources. These multiple roles — referral to third‑party managers combined with commissionable insurance and brokerage activities and in‑house tax preparation — are highlighted in the brochure and are disclosed as potential conflicts of interest the firm seeks to manage.
Client services
Expertise
Fee options
$100,000 - $250,000: 2.00% $250,001 - $1,000,000: 1.50% $1,000,001 - $2,000,000: 1.25% $2,000,001 - $3,000,000: 1.00% $3,000,001 - $5,000,000: 0.75% $5,000,001+: 0.50% $0 - $50,000: 0.45% (Orion administrative fee) $50,001 - $100,000: 0.35% (Orion administrative fee) $100,001 - $250,000: 0.20% (Orion administrative fee) $250,001 - $500,000: 0.175% (Orion administrative fee) $500,001+: 0.15% (Orion administrative fee) $0 - $500,000: 1.50% (PFG Institutional Class direct management fee) $500,001 - $3,000,000: 1.125% (PFG Institutional Class direct management fee) $3,000,001 - $5,000,000: 0.80% (PFG Institutional Class direct management fee) $5,000,001 - $10,000,000: 0.65% (PFG Institutional Class direct management fee) $10,000,001+: Subject to negotiation (PFG Institutional Class direct management fee) $0 - $500,000: 2.00% (PFG Variable Annuity/Universal Life direct annual management fee) $500,001 - $3,000,000: 1.50% (PFG Variable Annuity/Universal Life direct annual management fee) $3,000,001 - $5,000,000: 1.00% (PFG Variable Annuity/Universal Life direct annual management fee) $5,000,001 - $10,000,000: 0.80% (PFG Variable Annuity/Universal Life direct annual management fee) $10,000,001+: Subject to negotiation (PFG Variable Annuity/Universal Life direct annual management fee)
Advisors and firm receive commissions from insurance product sales and registered securities products
$250 per hour for financial planning and consulting services
Fee-only: $250 per hour for financial planning and consulting services
Main office
6373 Brockton Ave.
Riverside CA 92506
Advisors at this office
1
Most active in
California
Also doing business as
C Financial And Tax Associates · Tax & Insurance Services Incorporated · Tax & Insurances Services Incorporated · Tax Plus Financial Services Incorporated
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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