My name is Jose G. Cardenas, and I own the C & R Group LLC in Cache, Oklahoma. I work virtually nationwide and with individuals and small business owners. I have a doctoral degree in Business Administration (DBA), an MBA, and an M.A. in American History with a minor in Native American Studies & Gender Studies. I retired from the U.S. Army as a finance officer after 26 years of military service, including eight years in the U.S. Navy. I became an unofficial financial advisor through self-education as unit commanders sent their soldiers to my office for help with personal finances and investments, find tax efficiencies/savings to reduce or eliminate taxes, and develop a way forward to finance security. I continue providing the same amount of dedicated care and service to my clients in the military and civilian world, ensuring that they receive all allowable tax deductions and develop a roadmap for creating their financial independence through a combination of tax strategies, effective investment vehicle options given their unique situation, and the use of life insurance, annuities, and indexed products to create tax-free retirement accounts and generational wealth! I work virtually out of my home office since I have clients all over the country. The C and R Group LLC