Trust-CFO

What Trust-CFO does

Trust-CFO (legal entity: Private Retirement Plan Administrators, LLC dba TRUST-CFO®) is a Granite Bay, California-based professional services firm founded in 2011 that administers California Private Retirement Plans (PRPs) and related trust structures for high-net-worth California business owners, executives, real estate investors, physicians, and professional advisors. The firm operates within the framework of California Code of Civil Procedure 704.115, an exemption statute in effect since 1970 that allows qualifying private retirement assets to be shielded from creditors — a benefit available only to California residents — and Trust-CFO self-positions as "California's Largest PRP Administrator" with 30+ years of practitioner expertise under founder Ray Olmo.

The core product is the California PRP Trust, a non-ERISA, owner-only retirement vehicle with no funding limits, augmented by a suite of trademarked proprietary methodologies: PRP DEFENDER™ (creditor exemption for funded business interests), PRP ACCELERATOR™ (tax mitigation via leveraged trust deductions), PRP PRESERVER™ (tax-free distribution into vehicles like ERIRA), PRP-LLC™ (a holding-company structure), and PRP LIFE™ (life-insurance creditor protection given California's low $13,975 exemption). Underpinning the offering is the proprietary VAULT-Portal technology platform for integrated trust, entity, and asset management, supported by the actuarial-based PRP FUNDING ANALYZER™ and a free Exemption Diagnostic Calculator used for lead generation. The Education Portal (hosted on Thinkific) and the California Wealth Warriors podcast provide thought leadership and client education.

Trust-CFO monetizes through ongoing trust administration services, comprehensive total estate management engagements, and back-office support for select advisor partner firms (law firms, CPA firms, family offices), with pricing quote-based and customized per engagement. Distribution is dual-sided: direct consultative sales to HNW end-clients, and a B2B2C referral channel through a network of more than 15 California law and CPA firms that refer clients and, in some cases, private-label Trust-CFO's planning tools. The firm operates exclusively in California and has 1-10 employees, indicating a boutique, high-touch service model.

Name

Trust-CFO

Legal name

Private Retirement Plan Administrators, LLC dba TRUST-CFO®

Website

https://trust-cfo.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Trust-CFO administers California Private Retirement Plans and related trust structures for high-net-worth business owners, real estate investors, physicians, and professional advisors, leveraging California CCP 704.115 and its proprietary VAULT-Portal platform. The firm monetizes through trust administration fees, total estate management, and B2B back-office support for advisor partners in California.

Ownership category

akta.pro rank

Product category

Trust Administration Services

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (525920), Trusts, Estates, and Agency Accounts (52592), Funds, Trusts, and Other Financial Vehicles (525), Insurance and Employee Benefit Funds (5251)

SIC

Finance Services (6199)

akta.pro primary industry

Trust Administration & Fiduciary Accounting Services (FSAAANAF)

akta.pro secondary industries

Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB), Family Office Trust & Fiduciary Services (FSAEAKAF), Corporate & Institutional Trust Services (FSAAANAB), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Trust administration services
• Private retirement plans
• Asset protection planning
• Estate management solutions
• Tax mitigation strategies

Headquarters

HQ city

Granite Bay

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Trust Administration Services: Ongoing trust administration services for California Private Retirement Plans and other advanced trusts. Includes qualification diagnostics, funding analytics, asset management, tax impact analysis, annual trust reporting, and plan benchmarking.
2. Total Estate Management: Comprehensive estate management services using the VAULT-Portal technology. Includes master estate mapping, integrated trust management, and coordination of all trust and entity structures.
3. Back-Office Support for Advisors: Trust administration platform offered as back-office support service to select strategic partner alliances including law firms, CPA firms, family offices, and advanced planning professionals.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Trust-CFO administers California Private Retirement Plan (PRP) Trusts and provides total estate management services for highly compensated California business owners and entrepreneurs. The company leverages California CCP 704.115 exemption law to protect client assets, business interests, and earnings from creditors while implementing tax mitigation strategies. Its proprietary VAULT-Portal technology platform enables integrated trust, entity, and asset management with diagnostic analysis, funding analytics, tax impact analysis, and annual trust reporting.

Product overview

TRUST-CFO offers a unified platform centered on California Private Retirement Plan (PRP) Trust administration — a non-ERISA, owner-only retirement vehicle protected under California CCP 704.115 law. The core PRP is augmented by proprietary technology (VAULT-Portal), analytical tools (PRP FUNDING ANALYZER, Exemption Diagnostic Calculator), and specialized sub-products including PRP DEFENDER, PRP ACCELERATOR, PRP PRESERVER, PRP-LLC, and PRP LIFE. Services span trust administration, total estate management, wealth protection, tax wealth creation, and wealth preservation. The company also operates an Education Portal and California Wealth Warriors Podcast for client education.

Differentiator

Problem solved

Functional benefit

Products and services

• California Private Retirement Plan (PRP) Trust The core retirement planning product leveraging California CCP 704.115 exemption law to protect assets, earnings, and distributions from creditors for California residents. It is an owner-only, non-ERISA qualified plan with no funding limits, designed to serve as the foundation of a comprehensive wealth preservation strategy. Includes integrated strategy modules: PRP DEFENDER™ (asset protection), PRP ACCELERATOR™ (tax mitigation), PRP PRESERVER™ (tax-free distribution), PRP-LLC™ (holding company structure), and PRP LIFE™ (life insurance protection).
• VAULT-Portal Platform Proprietary technology platform serving as a comprehensive trust administration and total estate management system. It provides virtual management of trusts, business interests, assets, and correlated earnings, enabling pre-emptive planning and capitalization on protection and savings opportunities. Functions as both a client-facing tool and back-office platform for advisor partners.
• Trust Administration Services Specialized administration services for complex active trusts including qualification diagnostics, funding analytics, asset management, tax impact analysis, annual trust reporting, and benchmarking. Includes use of the proprietary PRP FUNDING ANALYZER™ actuarial-based validation tool.
• Total Estate Management Integrated trust, entity, and asset management services using the VAULT technology platform to organize, align, and optimize the entire estate plan. Includes master estate mapping and coordination of all trust and entity structures.
• Total Wealth Protection Comprehensive protection solution covering trust fund protection, income protection, and legacy protection to shield assets from creditor claims under California law (CCP 704.115).
• Tax Wealth Creation Tax optimization solution leveraging trust tax exemptions, deductions, and credits to create new tax wealth and maximize retirement benefits through coordination and timing alignment.
• Wealth Preservation & Legacy Retirement Generational wealth preservation solution ensuring principal protection, cost of living adjustments, and tax-efficient income for heirs through coordinated PRP and estate trust strategies.
• Back-Office Trust Administration for Advisor Partners Trust administration platform offered as back-office support service to select strategic partner alliances including law firms, CPA firms, family offices, and trust companies. Partners can private-label planning tools and receive comprehensive trust administration infrastructure.

Quantifiable outcome

• 30% tax liability reduction achieved for tech entrepreneur client
• +4 more outcomes

Named customers11 records

Segments8 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Nine partnerships are on record, tiered core, flagship and minor.

• ThinkificcoreTechnology or IntegrationThinkific provides the technology platform for TRUST-CFO's Education Portal, enabling online course delivery for California Private Retirement Plan education. The company uses Thinkific to host and distribute educational content to clients and prospects.
• Jeffrey M. Verdon Law Group, LLPflagshipImplementation/ SI/ Consulting PartnerLeading California estate planning and asset protection law firm that refers high-net-worth clients to TRUST-CFO and uses TRUST-CFO analysis as the industry benchmark for determining PRP funding and protection amounts. Founder Jeff Verdon appears on the California Wealth Warriors podcast.
• CunninghamLegalflagshipImplementation/ SI/ Consulting PartnerCertified Specialist in Estate, Trust and Probate Law firm that refers clients to TRUST-CFO and also entrusts TRUST-CFO to administer their own Private Retirement Plan. Partner Jim Cunningham appears on podcast episodes discussing estate planning.
• Meier Law FirmcoreImplementation/ SI/ Consulting PartnerCalifornia estate planning law firm that seamlessly integrates TRUST-CFO PRP planning with their estate, business and advanced planning designs. Partner Josh Meier provides testimonials about TRUST-CFO's value-add to client services.
• Sowards Law FirmcoreImplementation/ SI/ Consulting PartnerEstate planning firm that has private-labeled TRUST-CFO planning tools to help educate clients and maintain control over the master estate plan. Partner Ben Sowards provides testimonial about TRUST-CFO's industry-leading value.
• Bohm WildishcoreImplementation/ SI/ Consulting PartnerAdvanced asset protection planning firm that uses TRUST-CFO Private Retirement Plan as a key strategy. Partner Jim Bohm has his own PRP with TRUST-CFO and recommends it for clients wanting the safest, strongest protection.
• Optima Financial & Insurance ServicesminorImplementation/ SI/ Consulting PartnerInsurance services firm addressing the California life insurance creditor exemption dilemma. Founder Jon Salomon explains how TRUST-CFO PRP-LIFE program solves exposure issues for California clients.
• Asset Preservation Inc.coreImplementation/ SI/ Consulting PartnerLeading national Qualified Intermediary for 1031 exchanges, founded by Javier Vande Steeg. Featured on California Wealth Warriors podcast discussing advanced 1031 planning strategies for California real estate investors.
• Olympus Tax, Business and Insurance SolutionscoreImplementation/ SI/ Consulting PartnerTax, business and insurance solutions firm founded by Edward Cotney. Featured on podcast discussing entity tax planning for California businesses and TRUST-CFO integration with advanced tax strategies.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/TrustCFO
• YouTubeyoutube.com/@trust-cfo6836
• Facebookfacebook.com/TRUST-CFO-1852848961692360
• LinkedInlinkedin.com/company/trust-cfo

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Trust-CFO