Welcome to The C & R Group, LLC
Veteran-led. Tax-focused. Mission-driven.
At The C & R Group, LLC, we empower high-income earners, families, and business owners with financial strategies that reduce taxes, build wealth, and protect legacies.
Founded by Dr. Jose G. Cardenas, retired U.S. Army Finance Officer and tax advisor, our firm offers a disciplined, integrity-driven approach to planning. Whether you’re looking to safeguard your income, grow your business, plan for retirement, or structure your estate, we have the tools and systems to help you execute with confidence.
📌 You bring the mission—we help you fund it, protect it, and pass it on.
What We Do (Services Snapshot)
Our Core Service Areas Include:
🧾 Tax & Financial Strategy
Smart tax reduction, strategic planning, and tax-efficient retirement tools.
📊 Business Financial Services
Bookkeeping, CFO guidance, and custom coaching for business growth and clarity.
🛡 Insurance & Estate Planning
Protect what matters with life insurance, annuities, estate strategies, and legacy tools.
🤝 Employee & Supplemental Coverage
Enhance business retention and personal protection with employer packages and Medicare planning.
🟩 [Explore All Services]
Why Clients Trust The C & R Group
Because you deserve more than compliance—you deserve a financial mission partner.
At The C & R Group, LLC, we’re not just bookkeepers or tax preparers. We are financial strategists with a mission: to help our clients reduce unnecessary taxes, protect their income, and make smarter, more confident decisions—whether for their business or their family.
From small business owners to high-income professionals and military families, our clients rely on us for more than routine services. They come to us for:
- ✅ Strategic Tax Advising – Designed to uncover savings, reduce liabilities, and protect your wealth year after year.
- ✅ Business Growth Support – Bookkeeping, payroll, tax filing, and financial reporting that power smart decision-making—not just data entry.
- ✅ Integrated Wealth Planning – Retirement strategies, life insurance solutions, and estate guidance aligned with your long-term goals.
- ✅ Holistic Service Model – A single, trusted advisor for tax, planning, business consulting, and financial clarity.
What sets us apart is our hands-on, mission-focused approach. We don’t just hand over spreadsheets—we deliver strategy, clarity, and leadership at every stage of your financial journey.
Whether you're an entrepreneur looking to scale your business, a professional planning for retirement, or a family navigating the complexities of personal finance, we bring military-grade discipline and unwavering attention to detail to help you reach your goals.
We’re here to help you thrive—not just survive.
📞 Let’s take the next step together. Book your strategy session today and experience the C & R difference.
Featured Books & Resoruces
Learn From the Expert Behind the Plan
Dr. Cardenas is the author of several personal finance books that have helped families, veterans, and professionals take control of their financial future.
📘 Investing Against the Devil
📗 Retirement Planning: Secure Your Future with Confidence
📙 Tax Planning: Strategies for Minimizing Your Tax Liability
🟩 [Browse Resources]
Strategic Financial Solutions
Comprehensive, customized, and mission-focused support—designed to grow your wealth, reduce your taxes, and protect what matters most.
At The C & R Group, LLC, we deliver more than just services—we bring clarity and strategy to your entire financial ecosystem. Led by retired U.S. Army Finance Officer Dr. Jose Gustavo Cardenas, our veteran-owned firm provides an integrated suite of financial solutions built on trust, discipline, and real-world results.
Whether you're a business owner, medical professional, growing family, or military retiree, our tailored services are designed to help you lead your financial life with precision and confidence.
🔷 Tier 1: Tax & Financial Strategy
🛡 Tax Planning & Tax Reduction Services
We don’t just prepare taxes—we plan to reduce them. Our proactive tax strategy review identifies savings opportunities, restructures income, and builds long-term tax efficiency into your wealth plan.
🧾 Tax Filing Services (Individuals, Families, Businesses)
Accurate, compliant, and timely tax preparation for all entity types—including sole proprietors, partnerships, S corps, and high-income households.
💼 Financial Planning & Education Services
We guide clients through budgeting, investment strategy, and financial goal-setting with tailored education programs rooted in long-term success.
🔷 Tier 2: Business Financial Services
💡 Fractional CFO Services
Bring executive-level financial insight into your business without the full-time cost. We support decision-making, financial forecasting, and growth planning.
📊 Bookkeeping & Accounting
Clean, organized books are essential for any business. We provide full-service monthly bookkeeping, QuickBooks setup, reconciliation, and reporting.
👨🏫 Financial Coaching & Debt Elimination Programs
Our hands-on coaching programs help clients develop healthy financial habits, eliminate debt, and position themselves for long-term growth.
🔷 Tier 3: Insurance & Estate Planning Solutions
🏛 Financial & Estate Planning Services
We help you preserve your assets, protect your family, and pass on your legacy with confidence through a combination of estate strategies and advanced insurance planning.
🧬 Life Insurance (Term, Whole, Universal, Indexed Universal Life)
Build tax-free retirement income, legacy protection, or business continuity through our flexible and powerful life insurance options.
💵 Annuities
Diversify your retirement income with fixed, indexed, and hybrid annuities tailored to your long-term needs and risk tolerance.
🛡 Key Leader Protection & Buy-Sell Agreement Coverage
Safeguard your business operations and continuity with targeted insurance strategies for key personnel and co-owners.
🧓 Long-Term Care & Living Benefits
Our insurance policies offer living benefits—including chronic illness, critical care, and long-term care coverage—so you’re protected during life, not just after.
🔷 Tier 4: Employee Benefits & Supplemental Coverage
👥 Employer Solutions & Employee Packages
We design employee benefit packages that enhance retention and provide protection—from group life and supplemental health to executive bonus plans.
➕ Supplemental Insurance Products
Give your team or family added protection with:
- Medicare Supplemental Insurance
- Accident & Sickness Coverage
- Cancer Protection
- Critical Illness Protection
- Hospital Indemnity & Supplemental Health Benefits
About Us
At The C & R Group, LLC, we help individuals, families, and business owners achieve long-term financial clarity through precision, purpose, and strategy. Founded by Dr. Jose G. Cardenas, a retired U.S. Army Finance Officer with over two decades of leadership, our veteran-owned firm is built on integrity, ...
At The C & R Group, LLC, we specialize in helping successful professionals and business owners legally and permanently reduce their tax liability, preserve wealth, and build long-term financial security. Founded by Dr. Jose Gustavo Cardenas, a retired U.S. Army Finance Officer with over 24 years of service and ...
Financial strategy delivered with discipline, clarity, and long-term vision.
At The C & R Group, LLC, we help individuals, families, and business owners take control of their financial future—starting with a clear, customized strategy. Whether you're navigating a complex tax situation, planning for retirement, or ...
At The C & R Group, we believe that expanding your financial literacy is crucial to achieving your financial goals. That's why we offer a selection of engaging reading materials that you can take with you on the go or enjoy at home or the office. Our book covers a wide range of topics, from personal finance and investing to entrepreneurship and business management. Whether you're a seasoned investor or just starting out, our reading materials can help you deepen your understanding of finance and gain valuable insights into the financial world. So sit back, relax, and enjoy a "frosty" beverage while you expand your financial knowledge with our literature.
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