Pacific Capital Associates

Financial Advisors in San Diego, CA

Main Content

Honest financial advice and
disciplined, value-focused investing

How We're Different

Our Financial Services



Financial Planning

Our goal is to bring clients the peace of mind that comes from knowing they’ve made wise financial decisions. We combine deep financial planning expertise with sophisticated technology to get clients on track towards their goals, help them monitor their progress, and ensure that all the pieces of their financial lives are in place.

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Investment Management

We believe that patience, composure, and a value focus (avoiding overpriced investments while seeking out the underpriced) are crucial to long-term investment success. Our disciplined, value-based approach to asset allocation is cost-efficient, tax-sensitive, and tailored to the goals and risk profile of each client.

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Who We Help

We work with nice people who are seeking honest and thoughtful advice in a friendly, no-pressure environment. While our approach to investing, planning, and communicating tends to attract technology professionals and other analytical thinkers, we work with a very diverse group and welcome all types of clients.

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How We're Different


Experience

In our decades of combined professional investment and financial planning experience, we've been through multiple booms and busts and handled a great variety of client financial situations. With two CERTIFIED FINANCIAL PLANNER™ certifications, a law degree, and expertise in investment management, real estate, insurance, and estate planning, we have the credentials and experience to provide sound, comprehensive investing and financial advice.

Value Investing Discipline

Much of the financial industry is built around the idea that investment valuations don't matter. We think they matter a lot, and that the single best thing an investor can do to reduce long-term risk is to steer clear of seriously overpriced investments. Our investing process is disciplined, patient, and value-focused, seeking to assemble a diverse basket of reasonably priced investments while avoiding overvalued markets and bubbles.

Character

We live our lives and run our company with a focus on doing the right thing, and we embrace our fiduciary obligation to always put our clients’ interests first.

Cutting-Edge Technology

We use best-in-class technology to augment our expertise and assist with financial planning, risk analysis, and portfolio reporting.

Recent Investment Insights