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Pacific Capital Associates

We are independent financial advisors specializing in active investment management* and comprehensive financial planning. With over $90 million under management, we have assembled a large group of satisfied clients who benefit from our unique and forward-looking approach to investing.

In addition to financial management and planning, we provide services relating to home loans, real estate, estate planning, and insurance. Our unique range of experience and expertise helps us to grow our clients' wealth while protecting it from market risk, taxation, probate, and litigation.

Please feel free to explore the site and contact us with any questions.

Recent Articles

US Stock Market Now Priced for Good Returns - Oct 28, 2008
The Case for Gold and Gold Stocks - Sep 17, 2008
The Impact of Negative Real Interest Rates - Aug 15, 2008
Thoughts on the Stock Market, Oil, and the Economy - Jul 11, 2008
US Stock Market Priced for Poor Returns - Jun 5, 2008
Dow 13,000 -- Again! - May 2, 2008
Is There a Bubble in Commodities? - Mar 25, 2008
The Return of the 1970s - Mar 3, 2008
What's In Store For 2008 - Feb 11, 2008
Markets Panic; the Fed Panics More - Jan 22, 2008

* John Simon, Rich Toscano, and Jose Lopez are registered representatives of and offer securities through Girard Securities, Inc., a registered Broker/Dealer, a Registered Investment Advisor, and member FINRA/SIPC. John Simon and Rich Toscano also offer investment advisory services through Girard Securities. Pacific Capital Associates is not a subsidiary or affiliate of Girard Securities. Insurance services are offered through John Simon, California Insurance License #0C78205. Real estate services are offered through John Simon, California Real Estate Broker #01385226.