Pacific Capital

Pacific Capital Wealth Advisors, Inc., operating as Pacific Capital, is a registered investment advisor based in Corona, California, established in 2011 by Chad T. Willardson. The firm specializes in providing financial planning services and ongoing investment supervisory services to clients, focusing on disciplined asset management and portfolio analysis to achieve client goals. Their Financial Life Inspection® service covers comprehensive financial planning aspects and is offered for a flat cost of $9,600. For ERISA plan services, Pacific Capital acts as a limited scope ERISA 3(21) fiduciary, assisting plan sponsors with investment decisions. The firm requires discretionary authority to manage client securities accounts and may recommend unaffiliated investment advisors when necessary. Clients typically include high net worth families, business owners, retirees, and retirement plan accounts, with a minimum investible asset value of $10,000,000 for accounts managed directly. Pacific Capital's investment strategies include long-term purchases, short-term purchases, trading, and options. The firm does not accept performance-based costs and provides investment advice based on clients' individual objectives and risk tolerance. Clients receive quarterly account reviews and statements, and Pacific Capital does not accept authority to vote proxies. The firm's fee structure for financial planning and investment supervisory services is based on account size and is paid quarterly in advance. Additional information about Chad T. Willardson, the President and Chief Compliance Officer, including his educational background and business experience, professional designations, and disciplinary information, is available in the supplementary brochure.