📘 Financial Planning & Education Services

Plan with Purpose. Build with Strategy. Lead with Confidence.

At The C & R Group, LLC, financial planning isn’t about spreadsheets—it’s about strategy, education, and execution. We provide individuals, families, and business owners with customized financial roadmaps that are aligned with tax-smart planning, insurance protection, retirement readiness, and legacy-building.

Led by Dr. Jose Gustavo Cardenas, a retired U.S. Army Finance Officer and financial educator, we go beyond basic planning to deliver military-grade clarity and guidance—so you can move forward with purpose and confidence.

📚 What We Offer

• Comprehensive Financial Planning
  We create personalized, tax-integrated financial plans that consider your income, goals, investments, business interests, and legacy desires. Whether short-term or long-term, your goals are broken down into achievable, strategic steps.
• Financial Literacy Education
  We believe education is the foundation of financial success. From 1-on-1 sessions to group workshops and online guides, we teach clients how to understand their cash flow, reduce debt, plan for retirement, and navigate major financial milestones.
• Retirement Readiness Analysis
  Are you saving enough? Will taxes erode your future income? We help you answer these questions and design a retirement plan that accounts for market volatility, tax efficiency, and income diversification.
• IUL & Tax-Free Growth Education
  We educate clients on how Indexed Universal Life (IUL) policies and other tax-advantaged vehicles can support both retirement and estate goals.
• Goal-Based Coaching
  Whether you’re saving for a house, paying off student loans, or funding your child’s education, we build practical, measurable plans with defined timelines and trackable results.

🎯 Who We Serve

• Professionals and dual-income families
• Small business owners and solopreneurs
• Young professionals building financial foundations
• Military retirees and federal employees
• Parents planning for college and retirement
• Individuals preparing for major financial decisions

🧠 Financial Education Is Our Foundation

What good is a financial plan if you don’t understand it? Our job isn’t just to create strategy—it’s to help you become the strategist. As part of your plan, we’ll walk you through every component until you can explain it with confidence.

We offer:

• Financial literacy coaching sessions
• Budgeting & debt elimination classes
• Retirement planning workshops
• Business finance education for self-employed professionals
• Access to our newsletter Financial Horizons and educational books authored by Dr. Cardenas

📞 Take Control of Your Financial Future—Starting with Clarity and Confidence
Whether you're just getting started or need a strategy reset, we’ll help you build a financial game plan that aligns with your life—and empowers your future.

👉 Schedule Your Financial Planning Session Today