Holistic wealth management spanning portfolio construction, life insurance placement, and education funding defines the Souligny Wells Group led by Ryan Souligny - RBC Wealth Management Financial Advisor at 655 West Broadway in downtown San Diego. The group's risk-transfer analysis layers term and permanent life insurance alongside disability income coverage, partnering with commercial carriers and P&C specialists like Hultz Insurance to close gaps in business-owner liability profiles. Registered under FINRA CRD #4330617, Souligny holds the Senior Vice President and Consulting Group designations at RBC Capital Markets, serving business owners, executives approaching retirement, and elderly clients managing distribution-phase portfolios. Long-term care funding projections for aging clients extend into eldercare placement coordination with residential providers such as Windward Life Care in the Bankers Hill corridor. The group's most complex engagements model multi-generational wealth transfers using irrevocable life insurance trusts with Crummey withdrawal provisions, integrating generation-skipping transfer tax exemption allocation across split-beneficiary trust structures.