TCG

What TCG does

TCG Financial Services LLC is a privately held investment advisory firm headquartered in Coral Gables, Florida, that specializes in placing client funds into FDIC-insured US banks. The firm operates as a brokered deposit advisor, structuring client capital across Certificates of Deposit (CDs) and Money Market accounts at multiple partner banks to maintain 100% FDIC insurance coverage for deposits up to $150MM per client/TaxID, while ensuring no single-bank exposure exceeds the standard $250,000 FDIC limit. Accounts are opened directly in the client's entity name, the firm never takes custody of client funds, and there is no contract — clients can move capital at any time.

The firm's product offering is essentially a single integrated service: diversified FDIC-insured deposit placement with interest rates that move in step with Federal Reserve target rate changes. There is no proprietary technology platform in current operations; the firm's intellectual heritage traces to WebCDx (founded 2000), the first platform to market insured CD and money market portfolios to investors. The company is family-led, with a lean team (1-10 employees) anchored by Jorge H. Coloma (Chairman, 50 years of commercial banking experience, recognized pioneer of the brokered deposit market) and Vivian M. Coloma (Managing Director, 25 years of bank deposit specialization).

TCG monetizes via investment advisory services, with revenue likely generated through advisory fees or commissions on deposits placed, though specific fee structures are not publicly disclosed. The go-to-market is sales-led and direct — the firm engages clients through its website (tcg-financial.com), email outreach, and referrals, then works one-on-one to place deposits across partner banks. The target customer base is high-net-worth individuals and entities (including trusts and businesses) seeking capital preservation, liquidity, and above-market yields on cash deposits with full FDIC insurance protection beyond standard limits.

Name

TCG

Legal name

TCG Financial Services LLC

Website

https://tcg-financial.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

TCG Financial Services LLC is a Coral Gables, Florida-based investment advisory firm that places client funds into FDIC-insured CDs and Money Market accounts across multiple US banks, maintaining 100% FDIC coverage up to $150MM per client for high-net-worth individuals and entities.

Ownership category

akta.pro rank

Product category

Investment Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Miscellaneous Intermediation (523910)

SIC

Loan Brokers (6163)

akta.pro primary industry

Money Markets & Short-Term Funding (T-Bills, CP, CDs) (FSACAEAG)

akta.pro secondary industry

Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• FDIC-insured deposit placement
• Brokered certificate of deposits
• Money market account advisory
• Fixed income investment advisory
• Capital preservation services

Headquarters

HQ city

Coral Gables

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Investment Advisory Services: Investment advisor specializing in placing client funds into FDIC insured banks through CDs and money market accounts. Revenue likely generated through advisory fees or commissions on deposits placed, though specific fee structure not disclosed publicly.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

TCG Financial Services LLC is an investment advisor that places client funds into FDIC-insured banks through Certificates of Deposits and Money Market accounts. All accounts are opened directly in the client's entity name, the firm never has access to client funds or client information, and deposits are spread across multiple large, financially stable US banks to ensure 100% FDIC insurance coverage for the entire deposit (up to $150MM per client/TaxID). The service targets capital preservation, current income, and liquidity with above-market rates tied to Federal Reserve target rate changes.

Product overview

TCG Financial Services operates as a brokered deposit investment advisor offering a single integrated deposit placement service. The core offering consists of FDIC-insured Certificates of Deposits and Money Market accounts placed at partner banks throughout the country. All accounts are opened directly in the client's entity name, funds remain liquid and accessible, and the firm maintains 100% FDIC insurance for deposits up to $150MM per client/TaxID. The company was founded by Jorge H. Coloma, considered the 'father' of the brokered deposit market, who previously founded FAIC Securities (1980) and WebCDx (2000).

Differentiator

Problem solved

Functional benefit

Products and services

• FDIC-Insured Certificate of Deposit (CD) Placement A brokered deposit service that places client funds into FDIC-insured Certificates of Deposits at multiple large, financially stable US partner banks, maintaining 100% FDIC insurance coverage up to $150MM per client/TaxID, with rates tied to Federal Reserve target rate changes. Targeted at high-net-worth individuals, trusts, and business entities seeking capital preservation and above-market returns.
• FDIC-Insured Money Market Account Placement A brokered deposit service that places client funds into FDIC-insured Money Market accounts at partner banks, maintaining 100% FDIC insurance coverage up to $150MM per client/TaxID, providing liquidity and above-market rate of return with full client control of funds. Targeted at high-net-worth individuals, trusts, and business entities.

Quantifiable outcome

• FDIC insurance coverage up to $150MM per client/TaxID
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• FDIC Insured US Banks (Various)coreOthersTCG Financial Services works with large, financially stable US Banks throughout the country. Deposits are spread across multiple banks to ensure no client exposure exceeds $250,000 at any single institution, maintaining full FDIC insurance protection.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Emerging players

• Wealthfront: Digital wealth platform offering a high-yield cash account with FDIC sweep; competes for the same HNW investor cash dollar with a fully automated, mobile-first experience that contrasts with TCG's high-touch model.
• Betterment: Robo-advisor with a Cash Reserve product offering FDIC-insured, multi-bank deposit placement — overlapping with TCG's value proposition at a more accessible minimum and with a modern technology stack.

Broad incumbents

• Vanguard: Asset manager and brokerage whose money market fund and cash-management products compete with TCG's CD/MMDA placement for the conservative end of HNW cash allocations.
• Interactive Brokers: Brokerage offering high-yield FDIC-swept cash and brokered CDs to retail and institutional clients, competing for the same large cash allocations with a scalable, technology-led platform.
• Charles Schwab: Major brokerage with money market fund sweeps, brokered CD inventory, and institutional cash solutions — a scaled incumbent TCG competes against for HNW and advisor-driven cash allocations.
• Ally Bank: Online bank offering competitive CDs and money market savings directly to consumers; competes on rate and convenience for the same HNW cash dollar, though without TCG's multi-bank FDIC customization.
• Fidelity Investments: Diversified incumbent offering money market funds, brokered CDs, and FDIC-swept cash programs across retail and institutional channels; competes directly for TCG's HNW client wallet.
• Goldman Sachs (Transaction Banking / Marcus): Large incumbent serving institutional and high-net-worth cash clients via Marcus deposits and transaction banking, with scale and balance-sheet advantages TCG cannot match.

Direct peers

• IntraFi Network: Largest US brokered deposit network operating CDARS and the Insured Cash Deposit service, enabling institutional and HNW clients to obtain FDIC coverage across thousands of banks — a direct functional analog to TCG's deposit-placement service.
• StoneCastle Partners: Specialist in placing institutional cash into insured bank deposits, including the Insured Network Deposit product. Targets corporate treasuries and asset managers with the same multi-bank FDIC diversification model TCG offers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/tcg-financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments2 records

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

Frequently asked questions about TCG