Strategic Tax Advising & Financial Leadership Built on Integrity, Discipline, and Precision

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 the rank of Major, our veteran-owned firm combines military discipline with strategic financial expertise to deliver high-level results.

We serve as a trusted advisor and single point of contact for clients seeking personalized solutions across tax planning, life insurance, retirement strategies, bookkeeping, and financial education. While we continue to support the general public with our full suite of services, our firm is now focused on serving higher-income earners, entrepreneurs, and professionals who need a more advanced, hands-on approach to managing their taxes and finances.

Our Process

Our work begins with a strategic consultation, where we take the time to understand your unique tax concerns, income structure, and long-term financial goals. From there, we may recommend a comprehensive Tax Planning Review to uncover hidden inefficiencies and missed opportunities. After presenting your personalized strategy, we offer a done-for-you annual implementation plan—designed to take the burden off your plate while maximizing legal tax advantages.

Services That Complement Your Tax Plan

Our holistic approach ensures that your tax strategy works in harmony with your entire financial picture. In addition to premium tax advising, we provide:

• IRS-Compliant Strategic Tax Planning
• Life Insurance & Tax-Free Wealth Solutions (IULs & More)
• Bookkeeping, Payroll, and Accounting for Business Owners
• Retirement Income Planning & Annuities
• Limited CFO Services for Growth-Focused Firms
• Educational Coaching & Financial Literacy Programs

We also support military and civilian families with the same personalized attention and commitment to results that our higher-net-worth clients receive—because financial freedom should be accessible to everyone.

Our Mission

To empower clients with strategic financial knowledge, defend their wealth from excessive taxation, and help them secure a legacy through intelligent planning and disciplined execution.

Why Clients Choose Us

• 🎖 Military Precision: Led by a decorated Army Finance Officer who brings battlefield-level discipline to every financial plan.
• 📚 Deep Expertise: Doctorate in Business Administration, Master's in U.S. History, and author of numerous financial books and guides.
• 💼 One Trusted Partner: A single, experienced point of contact for all your tax and financial needs.
• 🤝 Results-Oriented: We work with top-tier financial companies to ensure you receive the strongest tools and support available.

Let’s Get to Know Each Other

We don’t believe in cookie-cutter strategies or one-size-fits-all advice. That’s why we start every client relationship with a "Get to Know You" session, where we listen first—then act with precision and clarity.

📞 Schedule your personalized strategy session today and take the first step toward legally reducing your taxes, growing your wealth, and creating financial peace of mind. Click Here: https://api.leadconnectorhq.com/widget/bookings/initialcal-dbcc3476-070a-4991-a6c8-eb1a7fe04fa4