Rachel Paulin - RBC Wealth Management Financial Advisor holds the Senior Vice President title under FINRA CRD #863055 and California Insurance License #0B07534, practicing from 655 West Broadway in downtown San Diego. The practice builds individualized wealth plans that integrate investment management with retirement income projections and estate coordination, aligning tax-year strategies with CPA partners such as M.W. Orlando CPA, Inc. for multi-bracket optimization. Registered with RBC Capital Markets, LLC (CRD #31194) since 2014, the practice operates under the firm's Member NYSE/FINRA/SIPC framework with access to RBC's global research, fixed-income trading desk, and proprietary WealthPlan® technology platform. Mortgage pre-qualification coordination for clients purchasing downtown condominiums extends to referral relationships with real estate specialists including Kalnesa in the Bankers Hill corridor. The practice's highest-complexity engagements model Social Security claiming optimization across spousal and survivor benefit scenarios, layering in Roth conversion analysis against projected required minimum distribution schedules through age 95.