At PCA, we strive for a small company feel. We pride ourselves on providing a friendly and efficient experience, with real people answering the phone and any of of us an email away. Our focus on client service, together with our deep and varied expertise, make for a great overall client experience. Meet the team below...

John M. Simon, JD, CFP®

John has a bachelor’s degree from UCLA and a Juris Doctorate from the University of San Diego School of Law. He holds the CERTIFIED FINANCIAL PLANNER™ certification as well as licenses in securities, real estate, and multiple forms of insurance.

John has managed client investment accounts since 2000 and managed or co-managed accounts as part of Pacific Capital Associates since 2003. His diverse background enables him both to manage clients' investments and to provide them with comprehensive financial advice, ensuring that the various components their financial lives are in place and working together in the most efficient manner possible.

John married his wife Jennifer in 1999 and they have two children, Ryan and Noah. He enjoys golf, hockey, baseball, philosophy, church, and spending time with his family. He is particularly concerned with child welfare, and was awarded the James D. Angelo award for Outstanding Children’s Advocate of his graduating class at USD Law. His recent charitable endeavors include being trustee of a family non-profit foundation that donates over $500,000 each year to various youth-oriented charitable causes. John has also been a member of the La Jolla Rotary Club, where he served as Treasurer from 2003-2005.

Rich Toscano

After graduating from the University of California, San Diego in 1994, Rich began a career in the technology industry that would include stints at academic research institutions, startups, and large enterprises. As a side interest, he eventually began closely following financial markets and managing money for family members.

In 2004, frustrated by the lack of good analysis of San Diego's housing bubble, he started the website Piggington’s Econo-Almanac to publish his housing research. This site became quite popular, despite its name, and Rich became recognized as an expert in the economics of the real estate bubble. His analysis on housing and other market topics has been featured in the Wall Street Journal, Time magazine, the Los Angeles Times, and numerous other publications.

In 2006, Rich decided to leave the software industry in order to make his interest in finance and investing a full-time pursuit. After some discussions with John Simon, a long-time Econo-Almanac reader, it quickly became clear that PCA was a perfect fit for Rich’s analytical, value-oriented investment approach. He joined the firm later that year.

Rich is an avid exerciser, which is good, because he is also an avid eater. He likes reading, cooking, laughing with friends, and good fiction in any medium. He believes that all of these activities are better when paired with a nicely aged single malt scotch, except, in some cases, the exercising.

Caroline Kottas

Caroline has been with PCA since 2004. She is our Operations Manager, having responsibility for many of PCA's back-office functions, and takes the lead on all insurance-related business. She holds licenses in securities as well as a CA Life, Health, and Long Term Care insurance license. Caroline lives with her husband, Kyle.

Sandra Sanchez

Sandra has worked with PCA for many years, most recently having returned in 2006 after taking a few years off to be with her young children. She is the friendly voice clients hear when they call the office. She provides efficient, knowledgable support to clients and her colleagues at PCA, and clients have come to know her as a pleasure to work with. Sandra has been married to her husband Frank since 1997; they have 2 children, Sebastian and Bella.