Retirement Income Solutions in San Diego

At Epstein & White our sole focus is YOU.

About Epstein & White

Epstein and White, Retirement Income Solutions in San Diego, is on a mission to personally guide our clients through a tailored retirement planning process for a financially sound and enjoyable retirement. We specifically concentrate on the needs of the pre-retiree and recently retired in the San Diego area. As your independent financial advisor, we take a comprehensive approach when developing a retirement financial strategy specifically for your future, and act as a "personal CFO" by designing a custom income plan that is centered around your wants, needs, and goals. At Epstein & White we value our clients, knowing that relationships are the cornerstone of success.

Creating sound financial strategies for the days ahead.

Let Epstein and White help you.

Meet Epstein & White

Brad White, CFP®

Founder & CEO

Meet Epstein & White


Brad White, CFP®
Founder & CEO

Bradley R. White is the Founder & CEO of Epstein & White Retirement Income Solutions, LLC. Mr. White is a Certified Financial Planner™ and holds a bachelor’s degree in finance from San Diego State University. Mr. White is an Investment Advisor Representative with his Series 66 license. He has appeared locally on television stations, Fox News and CBS, and the “Big Biz Radio Show” with Dave Sully. In addition, he is the author of The Step by Step Guide on How to Retire Right and is a featured contributor in numerous Kiplinger articles. Mr. White is also the host of “Retire Right with Epstein and White,” on KOGO 600.

Brad and his wife, Ashley, are both San Diegans, raised in the Clairemont and La Jolla areas respectively. They are both avid sports enthusiasts who grew up playing baseball, tennis and golf. Continuing to still enjoy their active lifestyle to this day. Together they are raising their 2 children. Reily (10) who enjoys skateboarding, Star Wars and Legos and their newest addition to the family, Slater who was born in May of 2020.

CA Insurance Number: 0H26322

Please refer to link at bottom of page for descriptions of professional designations referenced.

Sean O’Connor, CFP®

President

Meet Epstein & White


Sean O'Connor, CFP®
President

Sean O’Connor is a graduate of the University of Southern California where he holds a Bachelor of Science degree in Economics. During his time as a Trojan he also competed for their intercollegiate Division I volleyball team. Upon graduation, Sean began career in financial services immediately, finding himself drawn to helping people achieve financial independence and freedom to enjoy their retirement years. To further his knowledge as an advisor, in 2012 Sean became a Certified Financial Planner™ professional.  As a CFP® Sean has completed extensive industry training and education requirements and maintains a fiduciary status when making recommendations to clients. Outside of the office, Sean maintains an active lifestyle as he continues to enjoy the sport of volleyball on both indoor and beach courts. In addition, he enjoys spending time in nature hiking, mountain biking, and camping with his family, friends, and golden retriever.

CA Insurance Number: OG96178

Please refer to link at bottom of page for descriptions of professional designations referenced.

David Krakauer, CFA®, CRPS®

Chief Investment Officer

Meet Epstein & White


David Krakauer, CFA®, CRPS®
Chief Investment Officer

David joined Epstein & White in 2018 and serves as the firm’s Chief Investment Officer.  He is currently responsible for overall investment strategy, market research, and trading-related operations.  Under David’s leadership the firm has developed portfolio management strategies, including both traditional and alternative approaches, designed to offer enhanced opportunity for growth, improved downside protection, and consistent income.

David holds the Chartered Financial Analyst (CFA) designation and is required to uphold the CFA Institute Code of Ethics and Standards of Professional Conduct.  He also holds the Chartered Retirement Plans Specialist (CRPS) designation, and has a Bachelor’s Degree from the State University of New York at Albany. David’s prior experience includes working on alternative investment strategies at Altegris, employer-sponsored plans at ADP Retirement Services, and private wealth and business solutions at JPMorgan Chase & Co.

David is originally from Westchester County in New York and has lived in San Diego since 2012.  He and his wife Elizabeth currently reside in Mission Hills and welcomed their daughter Sloan to the world in 2019. Outside of work they enjoy experiencing new cultures and traveling the world.  In recent years they have traveled to Switzerland, France, Japan, and Italy.

Please refer to link at bottom of page for descriptions of professional designations referenced.

Investment, Advisory and Planning Team

Brian Jellig

Associate Adviser

Investments, Advisory and Planning Team


Brian Jellig
Associate Adviser

Brian is series 66 licensed, insurance licensed and is an Investment Advisor Representative. Growing up right here in San Diego, CA, Brian learned from a very early age about the importance of not only the effectiveness of planning but the power of disciplined, strategic investing over time from his two mentors in both life and financial management; his Grandfather, a self-made investor & engineer and his Father, an Estate Planning Attorney. Brian jokes about how dinner discussions as a young kid would revolve around topics like “Compound Interest Over Time” and “Legacy Planning through Trust vehicles” which was enough to make him lose his appetite back then but it planted a seed that has grown… and continues to grow.

Brian graduated from P.L.N.U. here in San Diego with a Bachelors in Communications with a Business Emphasis. He met his wife, Jessica there at P.L.N.U. and just after graduation, he started a career in business, working in Marketing and Sales for various global Apparel & Sporting Goods manufacturing companies in the Action Sports & Lifestyle industries. Throughout those early career years, Brian was always actively investing, buying real estate and growing his own personal wealth while working and raising children with Jessica. That seed that was planted many years back by his Grandfather and Father were showing their first fruits in the way of returns and income and many friends and co-workers noticed and were asking Brian for insight or help with their own investment strategies and life plans.  Brian found that he really loved to help others and it got to a point where he thought it might make more sense to look into helping people as an actual career. Brian finally decided to make it official back in 2016 and do what it takes to go back and study, pass the exams, get licensed and become a financial advisor.

Today Brian says he feels like he’s operating in his “sweet spot” working at Epstein & White. He’s able to utilize our proven, established processes along with his own business background and life experience as well as his skills for planning and giving unbiased personal advice for his valued clients.

CA Insurance Number: OL90203

Schane Goheen, CFP®, CLU®

Associate Adviser

Investments, Advisory and Planning Team


Schane Goheen, CFP®, CLU®
Associate Adviser

Schane is registered as an Investment Advisor Representative and joined the Epstein & White team in January 2018. He’s been in the industry since 2010.

Schane is Series 65 Securities Licensed, California Life & Health licensed and holds a CERTIFIED FINANCIAL PLANNER™ Certification (CFP®) and CHARTERED LIFE UNDERWRITER (CLU®) designation.  Schane joined Epstein & White because  of the high level of financial planning that they do as well as being able to work as a fiduciary advisor.  He likes being able to work in the client’s best interest and building retirement income plans to give people more confidence in retirement.

Schane graduated locally from San Diego State University.  He also served in the United States Marine Corps.   When he’s not working, Schane likes to stay active and travel.

CA Insurance Number: OG84153

Please refer to link at bottom of page for descriptions of professional designations referenced.

Patrick Comer, CFP®

Associate Adviser

Investments, Advisory and Planning Team


Patrick Comer, CFP®
Associate Adviser

Patrick Comer is an associate adviser and has been with Epstein and White for over five years. He is a graduate of National University, The American College of Financial Services and is a Certified Financial Planner.

“Retire Right with Epstein and White” is a mantra you will hear coming out of Patrick’s mouth frequently around the office. He enjoys building and managing retirement income plans for his clients. When Patrick is not working with clients you will find him: reading, exercising or watching sporting events.

CA Insurance Number: OKO6935

Please refer to link at bottom of page for descriptions of professional designations referenced.

Sandee Mapp

Associate Adviser

Investments, Advisory and Planning Team


Sandee Mapp
Associate Adviser

Sandee joined Epstein & White in 2016 as an Investment Advisor Representative. Holding a Series 66 securities license and insurance licenses, allows Sandee to provide financial and investment advice as a fiduciary advisor with full transparency doing what is in the best interest of her clients.

Sandee attended high school and college in San Diego and graduated from the University of San Diego with a Bachelors of Business Administration with emphases in finance and marketing. After graduating from USD, Sandee spent nearly 2 decades working in Payments and Risk Management, during which she earned a Masters Certificate in Project Management from GWU. It was an unforeseen corporate downsizing that finally moved her to a career helping others prepare for and adjust to the foreseen and unknown in their own financial futures. Sandee loves her clients and utilizes a holistic approach to retirement planning; Plans focus on income planning, investment management, tax optimization planning, health and long-term care planning and estate planning while realizing that “Life Happens.”

When Sandee is not working, she enjoys spending time with family & friends and actively supports many local youth sporting and non-profit organizations. She also sponsors and mentors local teens through A Bridge for Kids and serves as a board member for the Mt. Miguel Alumni Foundation.

CA Insurance Number: OK03966

Micah Cummins, AAMS®, CFP®

Associate Adviser

Investments, Advisory and Planning Team


Alan Davis
Service Adviser

Alan joined Epstein & White in February 2020. He previously he worked as a financial advisor for Mission Federal and SchoolsFirst Federal Credit Unions. He is Series 66 securities licensed along with CA Life/Health licensed.

Alan has a passion for providing excellent service and prides himself on making sure his client’s financial planning needs are all taken care of.

He is originally from Orange County and graduated from Cal State Fullerton in 2000 with a Bachelor of Arts in Applied Mathematics. He currently lives in San Marcos with his wife Kari and his two youngest children, Jake and Elle. Alan enjoys spending as much time as possible with his family and in his spare time enjoys watching sports.

CA Insurance Number: 0E96500

Raphael Aziz

Associate Adviser

Investments, Advisory and Planning Team


Raphael Aziz
Service Adviser

Raph joined E&W in 2020. He previously worked on the personal side of the Financial Services industry for Merrill Lynch and JPMorgan Chase where he held the Series 63 and 65 Securities licenses. He has extensive experience in helping people exceed their financial goals.

Raph is currently pursuing his Masters in Business Administration (MS) with a focus on Financial Planning, from San Diego State University, along with the CFP designation.

Raph grew up in central New Jersey, and shifted to San Diego in 2012. He and his wife are raising a son, a daughter, and a Labradoodle. In his free time, he enjoys traveling, sports, live events, and the sunny San Diego beaches.

CA Insurance Number: OIO5928

Ken Bobadilla

Associate Adviser

Investments, Advisory and Planning Team


Ken Bobadilla
Service Adviser

Ken is registered as an Investment Advisor Representative and joined the Epstein & White team in January 2015. He’s been in the industry since 1999. Ken is Series 6, 63 & 65 Securities Licensed, California Life & Health licensed, worked in Estate Planning with Mass Mutual for 13 years. Ken studied Physics and Chemistry at San Diego State University before opening and operating multiple boating businesses in San Diego. He moved into the financial services world to allow him to spend more time with his family. When he is not working, Ken is either golfing or sailing. As a business owner I endured all the challenges a business owner faces. I enjoy helping my clients plan for their future and retirement. At Epstein & White we have all the tools to assist our clients with their retirement, business continuation and estate planning.

CA Insurance Number: OC82576

Alan Davis

Associate Adviser

Investments, Advisory and Planning Team


Micah Cummins, AAMS®, CFP®
Associate Adviser

Micah R. Cummins is an Associate Adviser at Epstein & White Retirement Income Solutions, LLC. Micah is a Certified Financial Planner™ and holds a bachelor’s degree in financial services from San Diego State University. Micah is an Investment Advisor Representative with his Series 66 license. Micah is in his 15th year practicing financial services. He spent the past 11 years as a Senior Financial Consultant at TD Ameritrade in San Diego California where he grew and managed a large practice of clients with over 850 million in assets. Prior to that Micah worked for A.G. Edwards & Sons, which later became Wells Fargo Advisors. Micah is passionate and devoted to the cause of actively practicing and advancing the field of financial planning and investment management. Micah has been recognized for the Lifetime Achievement award at TD Ameritrade, as well as Circle of Champions, Presidents Club, Annual High Performer, and Better Begins with Me. He is known for his dedication to each client and takes great pride in comprehensively looking after their best interest. Micah was inspired to join Epstein and White because he was impressed with the firm’s culture and truly stand out client centric approach.

Micah and his wife Katie are both from northern California, raised in Half Moon Bay and Sonoma county. Having lived in San Diego for nearly 20 years now, they couldn’t help but fall in love with everything San Diego has to offer and are excited to be raising their family here. Micah and Katie have a 3-year-old son Aiden and a 1-year old daughter Ava. They enjoy spending active family time at San Diego’s landmarks, the San Diego Zoo, Balboa Park, Wild Animal Park, Sea World, and Coronado to name a few.

CA Insurance Number: 4056761

Please refer to link at bottom of page for descriptions of professional designations referenced.

Patrick Wynne

Associate Advisor

Investments, Advisory and Planning Team


Patrick Wynne
Associate Advisor

Pat joined Epstein & White in November 2018 after previously working for a wealth management firm in Santa Barbara, CA. There he earned his series 66 and life insurance licenses and built the foundation of his experience in the financial services industry. Being on the client service end of the industry, Pat has quickly recognized the little things that go a long way in giving a client the customer experience they deserve.

Pat played collegiate soccer at Westmont College and graduated with a degree in Psychology. He is currently pursuing his CFP designation. He loves working with clients and believes that service and support are a key factor in helping clients achieve their goals.

Pat is San Diego born-and-raised. In his free time he enjoys traveling, playing and watching golf, and spending time with family.

CA Insurance Number: 0M50217

Garrett Cauley

Insurance Planning

Investments, Advisory and Planning Team


Garrett Cauley
Service Adviser

Garrett joined the Epstein & White family in January of 2019. Since then, he has already worked with our clients to help protect the assets they have spent their lives building up. 

Prior to joining our family, Garrett spent the last 7 years in the insurance industry and has held different positions at different top rated insurance carriers to gain a holistic view of the insurance planning process. This path has put him in a position to help his clients find the right protection plan customized to their needs and goals. 

Garrett learned at a young age that unforeseen events can run even the best made plans into the ground. While it isn't traditionally considered the most exciting, Garrett puts a passionate emphasis on the importance of appropriate protection planning for his clients. As the Life and Long-Term Care expert for Epstein & White, Garrett works hand-in-hand with the other fiduciary advisors in the office to create a truly holistic course of action for clients to follow to make sure the retirement they deserve is also safe from the unexpected.

Garrett received his bachelor's degree from the University of Massachusetts at Dartmouth with honors. Originally from Salem, Massachusetts, Garrett says he has adjusted well to living in San Diego and the lack of snowfall that comes with it. 

CA Insurance Number: OM77874

Greg Martinez

CPA

Investments, Advisory and Planning Team


Greg Martinez
Service Adviser

Greg is a certified public accountant licensed in California. He joined Epstein and White in January in 2019 and leads our tax department where he prepares tax returns, develops tax plans, and other related services for our clients.

Greg has an accounting degree from the University of Southern California (USC). He is also an enrolled agent, a credential he earned by passing a rigorous examination in tax law and a background check with the IRS.

Greg has been a practicing CPA for over 20 years. His passion is helping his clients pay the least amount of tax allowable by law. He regularly attends continuing education events to keep current on late breaking developments in tax law and administration.

Greg is tech savvy, having worked over 10 years in the tax software industry, most recently for Intuit the makers of TurboTax. He has worked the last 8 years in public accounting preparing hundreds of individual and business returns each year.

Greg is originally from the Los Angeles area and has resided in Chula Vista for 15 years. He is married with 3 teenage children. In his spare time, he enjoys water activities like swimming and boating, particularly when traveling with his family.

Operations, Marketing and Administrative Team

Rubi Guido

Operations Manager
& Client Services

Operations, Marketing and Administrative Team


Rubi Guido
Operations Manager & Director of Client Services

With over 17 years of banking experience, Rubi Guido has significantly contributed to the growth of the company since 2013. She oversees the day-to-day operations of Epstein & White in collaboration with the Partners to support the firm’s long-term operations strategy. Rubi also heads our amazing client servicing department that has cultivated many long-lasting relationships by providing first class support and customer service.

Rubi resides in Fillmore, California with a busy household of 3 dogs, her partner Ricky, his 8 year old son Noah and a baby girl on the way! Together they enjoy going to the beach and spending quality pizza and movie night time.

Debbie Del Secco

Compliance &
Human Resources

Operations, Marketing and Administrative Team


Debbie Del Secco
Compliance and Human Resources

Debbie Del Secco joined E & W in May of 2016 with an extensive background in operations, compliance, and team management.  She is our compliance officer, and oversees the business practices of the firm.  She is responsible for instilling a culture of compliance, and nurturing an environment of integrity and ethical behavior to ensure our clients, our firm and our employee’s are protected.  

Debbie is also our HR manager, and she understands the importance of attracting and retaining top-quality employees.  She assists in the recruiting, screening, and interviewing of candidates and strives to help the leaders of the firm find the best possible employees to staff their teams.

Debbie lives in Rancho Bernardo with her husband, son and dog Coco.  She loves to cook for her family and friends, and in her spare time she enjoys the theatre, movies, classic rock concerts and reading.

Erica Luchetti

Client
Services

Operations, Marketing and Administrative Team


Erica Luchetti
Client Services

Erica Luchetti joined Epstein & White in January 2018 and has 10 years of industry experience in the financial and service related industries.  She prides herself in her excellent attention to detail and precise execution when it comes to servicing of clients for Epstein and White. 

In addition to her roles she plays at the firm she is also a loving mother of 2 boys. She is originally from New Mexico but has called San Diego home for over 20 years.  In Erica’s free time you will often find her spending time at the lake, camping, reading and hanging out with her dog, Shadow.

Brennan Wehrle

Client
Services

Operations, Marketing and Administrative Team


Brennan Wehrle
Client Services

Brennan Wehrle is a Client Relationship Specialist with Epstein and White and joined our team to help make a difference in the way clients experience financial services. Brennan says he most enjoys the times when he can simplify the process for clients, especially those who may be receiving professional guidance for the first time. Brennan holds both Series 7 and 63 licenses. Prior to joining our team, Brennan worked in client services for Charles Schwab in La Jolla, CA. He graduated from San Diego State University with a bachelor’s degree in business administration, as well as holding an associate degree in business administration from Orange Coast College. At Orange Coast College, Brennan was also a part of the national champion Men’s Crew team. He continues his love of rowing today on Mission Bay with the San Diego Rowing Club. In his free time, Brennan also enjoys surfing, playing basketball, and taking regular camping trips. Brennan was raised in Palm Desert, California and has lived in San Diego for five years. He says that he fell in love with the beach lifestyle and that San Diego has truly earned its nickname of America’s Finest City.

Caleb Rodriguez

Trading
& Billing

Operations, Marketing and Administrative Team


Caleb Rodriguez
Senior Trading and Billing Specialist

Caleb is the Senior Trader at Epstein & White. He holds a Series 65 and is responsible for trading and other investment operations.

Caleb graduated from San Diego State University in 2013 with a degree in Economics with an emphasis in Quantitative Analysis. Shortly afterward he began his career in financial services

Caleb is a native of Southern California and lives in San Diego with his wife, Jessica. His hobbies include programming and games of strategy.

Vanessa Sitton

Marketing
Director

Operations, Marketing and Administrative Team


Vanessa Sitton
Marketing Director

Vanessa joined Epstein and White in September of 2018 and has over 10+ years of marketing experience in the financial services industry. Vanessa heads up the Marketing, Events and the Administrative Assistant team. Vanessa is proud to be part of the Epstein and White team and all that E&W stands for and brings to the community of San Diego.

Vanessa is a San Diego native who moved to Orange County, CA to attend and graduate college with a liberal arts degree from Cal State Fullerton, go Titans! After college, Vanessa moved back to San Diego and started her career as an event planner for a large Field Marketing Organization and eventually worked her way up into the Marketing Department and Leadership roles. It is there Vanessa worked with Financial Advisors across the country and developed a passion for helping pre retirees and retires meet their financial goals and live a peaceful retirement.

Vanessa resides in Scripps Ranch with her husband Josh and their two children Cooper and Ella and their newest addition their dog, Maverick. Vanessa loves travelling, spending time with her family and friends. You will typically find Vanessa on a baseball field with her son or driving her daughter to dance classes and competitions. She also loves hiking, working out and enjoying a beautiful San Diego sunset.

Julie Njaa

Event
Coordinator

Operations, Marketing and Administrative Team


Julie Njaa
Event Coordinator

Julie is our Event Coordinator with a strong background in hospitality, marketing and sales. She is responsible for the organization and preparation of all aspects of company events.  Events include in-house and dinner educational seminars, webinars, and client appreciation events.  She also assists with the development of our local marketing that advances the recognition of the company and the brand.

At a personal glance, Julie is a San Diego native and is married with two grown children. Julie loves to be outdoors and when not at work you will most likely find her playing competitive tennis, walking or stand up paddle boarding in beautiful San Diego.

Stephanie White

Administrative
Assistant

Operations, Marketing and Administrative Team


Stephanie White
Administrative Assistant

Stephanie White joined Epstein & White in May of 2016 as an Administrative Assistant. Stephanie has a strong background in administration and customer service and enjoys welcoming clients and prospective clients into our office with a smile. She strives to ensure any person that walks through our doors will receive excellent care as well as a memorable experience.

Stephanie was born in raised in Phoenix Arizona and moved to San Diego in 1980. In her spare time, Stephanie enjoys watching the San Diego Padres, spending time with her grandsons and family, and baking delicious treats for the office to enjoy.

Linette Barajas

Administrative
Assistant

Operations, Marketing and Administrative Team


Linette Barajas
Administrative Assistant

Born and raised in San Diego, Linette joined Epstein & White in July 2020 as an Administrative Assistant.  She comes from a hospitality background, having worked in customer service for high-end luxury hotels in the San Diego area.  Linette works closely with Stephanie and our Marketing team to make sure our visitors are getting the best care when meeting with our wonderful advisors. While enjoying her transition into the financial world, she is eager to meet and get to know all of Epstein & White’s client family. Being an animal lover, Linette is always happy to see any furry friends come by the office to say hello (treats readily available for them!) In her free time, she enjoys the beach, cuddling her pup, exploring new restaurants and going to concerts.

Epstein & White

Epstein & White Retirement Income Solutions, LLC is a retirement income planning firm serving clients throughout San Diego, Del Mar, and other Southern California communities. As independent financial advisors in San Diego, we have developed our business by reaching out, nurturing and maintaining close, trusting relationships with each of our clients.

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