Welcome to The C & R Group, LLC
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.
Veteran-Led. Tax-Focused. Mission-Driven.
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.
Your Financial Command Center
At The C & R Group, LLC, we deliver more than services—we deliver clarity, strategy, and results. Our core offerings help reduce taxes, grow wealth, and protect your legacy with confidence.
Tax & Financial Strategy
Maximize your income and minimize your tax liability with strategies to grow wealth tax-efficiently—now and in the future. We turn complexity into opportunity with actionable planning.
Business Financial Services
From bookkeeping to CFO insights, we equip business owners with the tools, structure, and clarity they need to grow sustainably, make smarter decisions, and keep more of what they earn.
Insurance & Estate Planning
Protect your income, family, and legacy with tailored life insurance and estate strategies that ensure your wealth is preserved, passed on, and used with purpose—not lost to risk or taxes.
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
Trusted by Those Who Expect More
At The C & R Group, LLC, we go beyond basic compliance—we deliver strategy, clarity, and mission-focused support. Clients trust us because we treat their financial goals with the same precision and dedication we brought to military service. Whether you're growing a business, building a legacy, or preparing for retirement, we provide the leadership and strategy to help you win.
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.
Commitments
Investing Against the Devil; Building Riches and Wealth in the Military
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.
From Service to Strategy
Meet Dr. Jose G. Cardenas—a decorated U.S. Army Finance Officer turned financial strategist with a mission. With military-grade discipline and a passion for education, he helps clients take control of their financial future.
