• About
  • Investing
    ▲
    • Investment Management
    • Risk Analysis
    • GMO Climate Change Fund
  • Financial Planning
  • Insights
  • Client Login
  • Schedule A Call
  • Skip to primary navigation
  • Skip to main content
  • Skip to footer

Pacific Capital Associates

Financial Advisors in San Diego, CA

  • About
  • Investing
    • Investment Management
    • Risk Analysis
    • GMO Climate Change Fund
  • Financial Planning
  • Insights
  • Client Login
  • Schedule A Call

Investment Management

Disciplined value investing, personalized to your needs

Pacific Capital Associates manages investment accounts for individuals, businesses, and trusts.

Several aspects of our investing approach set us apart from most of the financial industry, particularly our emphasis on value and our commitment to long-term discipline. We discuss the foundations of our investing approach below; more details can be found in our Investment Insights and quarterly letters.

Value-focused

Our investment approach draws on well-established principles of value investing: that markets are frequently — and sometimes significantly — mispriced, and that investors are well served to ignore the crowd and to remain patiently focused on valuations. We place our clients in a diversified basket of investments with an emphasis on those that are reasonably valued or undervalued, actively adjusting the type and amount of exposure based on expected returns, and always staying focused on long-term outcomes.

We believe a diversified, value-based approach gives investors the best chance at good long-term returns, while also significantly reducing the risk of the portfolio disasters that often result from investing in highly overpriced markets.

Patient and Disciplined

The ability to remain focused on the long term is a crucially important component of successful investing. Unfortunately, it is rare in the financial industry, and for that matter among investors in general. It’s well known that investors often pay undue attention to the recent past, tending strongly to “chase returns” — to buy what’s recently done well, and sell what hasn’t. This tendency is amplified in the financial industry, where money managers are judged (and often compensated) on shorter-term performance, rendering long-term focus a serious business risk. The end result is an industry very much preoccupied with the short term and prone to chasing returns without regard to value or long-term prospects.

Fortunately, we are an independent firm with the willingness, ability, and discipline to look past these short-term pressures and stay firmly focused on the long term. It makes our jobs harder at times, but we do it because we believe it’s the best thing we can do for our clients.

Personalized

We are careful to invest each client’s portfolio in line with their investment goals, liquidity needs, and psychological risk profile. Our risk analysis process helps us get a good read on each client’s risk tolerance and ensure that portfolios stay in line with growth and risk parameters. We can customize portfolios for clients’ specific preferences, requirements, or tax situations. On that latter point, we use sophisticated portfolio management software that allows us to organize household assets in a way that reduces tax consequences.

Transparent

We put a great deal of effort into communicating why we invest the way we do. We send letters to clients at least quarterly, and we are always available to answer questions on our investment strategy. Clients also get access to what we think is the best portfolio reporting system available, providing up-to-date information on performance, values, allocation, transactions, tax info, and more. 


Mailing List Signup



(858) 560-5244



info@pcasd.com



4747 Viewridge Ave
Suite 107
San Diego, CA 92123




Form CRS


Footer

Pacific Capital Associates, Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Pacific Capital Associates, Inc. and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. No advice may be rendered by Pacific Capital Associates, Inc. unless a client service agreement is in place.

The commentary on this website reflects the personal opinions, viewpoints, and analyses of the Pacific Capital Associates, Inc. employees providing such comments, and should not be regarded as a description of advisory services provided by Pacific Capital Associates, Inc. or performance returns of any Pacific Capital Associates, Inc. investments client. The views reflected in the commentary are subject to change at any time without notice. Nothing on this website constitutes investment advice, performance data, or any recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. Pacific Capital Associates, Inc. manages its clients’ accounts using a variety of investment techniques and strategies, which are not necessarily discussed in the commentary. Investments in securities involve the risk of loss. Past performance is no guarantee of future results.

Pacific Capital Associates, Inc. provides links for your convenience to websites produced by other providers or industry related material. Accessing websites through links directs you away from our website. Pacific Capital Associates, Inc. is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites.

Free Portfolio Risk Analysis

Copyright © 2023 · Pacific Capital Associates