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Our Solutions


At C.M. Carrillo Financial Advising, we pride ourselves on taking a strategic and well balanced approach to the overall financial planning process. Furthermore, we have always embraced innovation. Over time, the list of solutions that we are able to bring to the table has grown, which in turn has made our firm more valuable to our clients. Our solutions are designed to help our clients successfully navigate this journey that we call life. Let us know how we can help you.


Risk Management

Insurance Solutions
For Individuals, Couples, & Families



"The LADL"

  • Life Insurance

  • Annuities (Fixed Annuities)
  • Disability Income Insurance

  • Long-Term Care Planning


The LADL is an acronym that summarizes the insurance side of all that C.M. Carrillo Financial Advising is able to bring to the table. Each one of the four components that comprises The LADL is designed to do something fundamentally different. Each solution is designed to help you manage risk and protect you, your family, and/or your business from a unique threat. We use the term threat very deliberately because these are things that can derail one’s financial plan and jeopardize one’s ability to retire when they want and how they want.

The Risk Management Page
The Long Term Care Planning Page


Wealth Accumulation

Investment Solutions | Cash Solutions | Retirement Preparation
For Individuals, Couples, & Families

  • Asset Management & Wealth Management

    Types of Accounts Offered:
    - Individual Non-Qualified Accounts
    - Rollover IRA | 401(k) Rollovers
    - Traditional IRA
    - Roth IRA
    - Joint Accounts
    - Trust Accounts
    - Custodial Accounts

    The Wealth Accumulation Page


Special Programs

For Individuals, Couples, & Families


The Allocation Plan Program

The Budgetary Process | Budget Planning Tools & Strategies

We offer assistance to all of our clients as well as prospective new clients
that have a need to formulate an "Allocation Plan" for their household.

The Gift Of A Lifetime Program

The Gift of a Lifetime Program is designed to assist proactive grandparents and
parents that have a desire to leave a legacy for their children and/or grandchildren.

Cash Solutions

The Cash Advantage Program

  • The Cash Advantage Program allows us to help our eligible investment clients with non-qualified accounts establish a Securities-Backed Line Of Credit (SBLOC).

  • The Cash Advantage Program Page

Tax Management Services (TMS)

Self-Directed Brokerage Accounts (SDBA)



Workplace Solutions

For Self Employed Individuals & Business Owners


Download: Company Benefits Packages Overview


Risk Management: Insurance Solutions

  • Group Insurance Coverage:
    Insurance Solutions excellent for Attracting and Retaining Talent

    - Group Life-LTC Insurance
       * No Medical Underwriting, Up to Certain Level

    - Long-Term Disability Income Insurance
       * Express Underwriting

  • LegalShield & Identity Theft Protection Plans

  • The Risk Management Page



  • Executive Bonus Plans:
    Insurance Solutions excellent for Attracting and Retaining Talent

  • Business Succession Planning:
    - Key Man Insurance Coverage

    - Buy-Sell Agreement Funding | Life Insurance

    - Buy-Sell Agreement Funding | Disability Income Insurance

    - Complimentary Business Valuation Service
       * Business Valuation Services are solely for planning purposes.

    - Business Overhead Expense (BOE) Coverage
       * A Disability Income Insurance Solution


Wealth Accumulation: Business Retirement Plans

* Not an exhaustive list

Account Registrations

  • SIMPLE IRA | Savings Incentive Match Plan for Employees (SIMPLE)
  • SEP IRA | Simplified Employee Pension (SEP)
  • Solo 401(k)
  • 401(k) Plan
  • Safe Harbor 401(k) Plan
  • Profit Sharing Plan
  • Cash Balance Plan

Roth Accounts

  • Roth SIMPLE IRA
  • Roth SEP IRA
  • Roth Solo 401(k)
  • Roth 401(k) Plan
  • Roth Safe Harbor 401(k) Plan



Wealth Accumulation: Non-Retirement Business Investment Accounts

It should be noted that business owners can also utilize non-retirement investment accounts for their businesses.
These accounts are routinely utilized in conjunction with The Cash Advantage Program.



Wealth Accumulation: Special Offerings

Cash Solutions

The Cash Advantage Program

  • The Cash Advantage Program allows us to help our eligible investment clients with non-qualified accounts establish a Securities-Backed Line Of Credit (SBLOC).

  • The Cash Advantage Program Page

Tax Management Services (TMS)

Self-Directed Brokerage Accounts (SDBA)



Vision To Reality




Christopher Carrillo is a Brokerage Insurance Agent with Massachusetts Mutual Life Insurance Company (MassMutual).

Christopher Carrillo offers insurance products through MassMutual as well as other insurance carriers.

Investment Advisory Services offered through Exodus Wealth, LLC, a Registered Investment Advisor. C.M. Carrillo Financial Advising and Exodus Wealth, LLC are separate entities.

C.M. Carrillo Financial Advising and Exodus Wealth, LLC do not render tax or legal advice.

MassMutual and Exodus Wealth, LLC are separate and unrelated entities.