C & T Financial Services Group, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
C & T Financial Services Group provides financial planning and personal advisory services to individuals, high‑net‑worth clients, pension and profit‑sharing plans, estates, charities, and business entities. The firm does not manage client assets on a discretionary basis and does not maintain custody of client funds.
The firm’s work centers on developing written Investment Policy Statements and recommending long‑term, generally mutual‑fund‑based strategies using both fundamental and technical analysis, plus ongoing financial counseling and annual reviews. C & T generally avoids short‑term trading, margin or short sales and typically recommends diversified, multi‑manager mutual fund approaches while leaving implementation decisions to the client.
Notably, advisors at the firm are also registered representatives of a broker‑dealer and clear advisory activity through that broker‑dealer’s clearing relationship with Pershing, a structure that can lead to commissionable product recommendations and insurance sales in addition to advisory work. The firm also does not use percentage‑of‑assets fees (instead relying on fixed planning and consulting arrangements) and operates as a small, referral‑driven practice without a public website, which may affect how services and third‑party programs are offered.
Client services
Expertise
Fee options
Commissions received as Registered Representatives of Osaic Wealth or Insurance agents for securities or insurance products purchased through the firm
Minimum fee: Annual consulting fee ranging from $2,000 to $5,000 for ongoing financial counseling/coaching Fee-only: Fixed fees for financial planning services typically ranging from $2,000 to $5,000; annual consulting fees ranging from $2,000 to $5,000
Main office
252 Pine Ave., Suite C
Pacific Grove CA 93950
Advisors at this office
2
Most active in
California
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:
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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Insurance agent
They sell insurance products and may earn commissions on those sales.
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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
Advisors at this firm
Rolf T
CFP®, Series 63
Pacific Grove, CA
C & T Financial Services Group, Inc.
Rolf Trautsch is a CFP® professional with over 42 years of experience in the financial services industry. He has been with C & T Financial Services Group, Inc. since 2003 and also maintains a longstanding role at OSAIC. Outside of his advisory work, he owns and operates DARO Enterprises, a sole proprietorship focused on property management. C & T Financial Services Group provides financial planning and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, estates, charities, and business entities. The firm emphasizes written investment policy planning and ongoing financial counseling, employing a long-term, diversified investment approach without discretionary portfolio management.
Tara T
CFP®, Series 63, Series 65
Pacific Grove, CA
C & T Financial Services Group, Inc.
Tara Trautsch is a CFP® professional with 19 years of experience in financial advisory services. She is the president of C & T Financial Services Group, Inc. and has previously worked with NWF Advisory Services and Whjr Associates. In addition to her advisory role, she serves on the boards of Monterey Credit Union and the Elkhorn Slough Foundation. C & T Financial Services Group offers financial planning and personal advisory services to a range of clients including individuals, high-net-worth clients, pension plans, estates, charities, and business entities. The firm focuses on developing written Investment Policy Statements and recommending long-term, mutual fund-based strategies, while generally avoiding short-term trading and discretionary asset management.
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