Rated 5-Stars on Google
You face unique financial challenges as an entrepreneur and you need a partner who understands how you earn, invest, and plan for what’s next
![]()
Rated 5-Stars on Google by 200+ Satisfied Clients

For over a decade, we've helped high-net-worth individuals and families achieve true financial independence through personalized, conflict-free wealth management. We deliver strategic planning, investment guidance, and proactive solutions that align your wealth with your life’s priorities.
You’re an entrepreneur focused on growth and wealth creation, looking for increased financial freedom and lifestyle freedom. You don’t believe in traditional retirement. You already have 8-9 figures in personal liquidity. You’re a good delegator. You’re fueled by big ambition and a desire to make a meaningful impact on the people and causes you care about most.
From first-time partnerships to long-term relationships, here’s what our clients value most about working with us.
“No question is too small, and I never feel like I am not important to them. Everyone I have dealt with has been courteous and professional and I know when they make a commitment, I can count on it.”
Rick
“The team is honest, professional, and tremendously friendly. They are dedicated to achieving your financial goals and removing financial stress from your daily lives.”
Jasmine
“The team is honest, professional, and tremendously friendly. They are dedicated to achieving your fin“Pacific Capital is a company of professionals who are trustworthy and put their clients’ needs above everything else! They treat clients like family and I feel comfortable asking their team anything in regards to financial life management.”ancial goals and removing financial stress from your daily lives.”
Tara
“The financial advisory team at Pacific Capital are a team that can be trusted. Their experience and advice will help you down the path you need for growth and financial health.”
Jordan
“Being a widow, I have put my finances in their fully capable hands. I appreciate the timely contact concerning the market’s ups and downs. They take care of me and that is something I value and appreciate.”
Madalynne
“Pacific Capital is amazing. They are very knowledgeable and their advice is always what’s best for you and your situation. I would recommend them to all my friends and family and anyone looking for solid financial advice.”
Penny
“They are continually upgrading their benefits at no additional costs. They truly have taken the stress off of me concerning my portfolio for retirement. You will not find a more friendly and professional company.”
Frank
“Pacific Capital offers professional, unbiased financial advice, and I highly recommend their services. They are honest and reliable, and I absolutely trust their knowledge of investing and financial planning.”
Rachel
“As a business owner, I believe that a high moral standard, integrity, and trust are significant values in running a company which is why I can appreciate and recommend Pacific Capital to my friends and family.”
Luna
“They put together a like-minded team who all take good care of me. I highly recommend Pacific Capital as the financial team for you.”
Melody
“Great team that helped to make sure not only my portfolio was balanced and made recommendations, but also reviews tax strategy, insurance, other liabilities, and family planning.”
Lance
“Pacific Capital team is always there to answer any questions or concerns that we have. I would recommend them to anyone looking to retire or make investments. This was a good move for us.”
Jess
“Pacific Capital is a premier wealth management firm in Southern California. The Team is extremely knowledgeable, professional, trustworthy, and goes out of its way to help its clients reach their financial goals.”
Michael
From first-time partnerships to long-term relationships, here’s what our clients value most about working with us.
“No question is too small, and I never feel like I am not important to them. Everyone I have dealt with has been courteous and professional and I know when they make a commitment, I can count on it.”
Rick
“The team is honest, professional, and tremendously friendly. They are dedicated to achieving your financial goals and removing financial stress from your daily lives.”
Jasmine
“The team is honest, professional, and tremendously friendly. They are dedicated to achieving your fin“Pacific Capital is a company of professionals who are trustworthy and put their clients’ needs above everything else! They treat clients like family and I feel comfortable asking their team anything in regards to financial life management.”ancial goals and removing financial stress from your daily lives.”
Tara
“The financial advisory team at Pacific Capital are a team that can be trusted. Their experience and advice will help you down the path you need for growth and financial health.”
Jordan
“Being a widow, I have put my finances in their fully capable hands. I appreciate the timely contact concerning the market’s ups and downs. They take care of me and that is something I value and appreciate.”
Madalynne
“Pacific Capital is amazing. They are very knowledgeable and their advice is always what’s best for you and your situation. I would recommend them to all my friends and family and anyone looking for solid financial advice.”
Penny
“They are continually upgrading their benefits at no additional costs. They truly have taken the stress off of me concerning my portfolio for retirement. You will not find a more friendly and professional company.”
Frank
“Pacific Capital offers professional, unbiased financial advice, and I highly recommend their services. They are honest and reliable, and I absolutely trust their knowledge of investing and financial planning.”
Rachel
“As a business owner, I believe that a high moral standard, integrity, and trust are significant values in running a company which is why I can appreciate and recommend Pacific Capital to my friends and family.”
Luna
“They put together a like-minded team who all take good care of me. I highly recommend Pacific Capital as the financial team for you.”
Melody
“Great team that helped to make sure not only my portfolio was balanced and made recommendations, but also reviews tax strategy, insurance, other liabilities, and family planning.”
Lance
“Pacific Capital team is always there to answer any questions or concerns that we have. I would recommend them to anyone looking to retire or make investments. This was a good move for us.”
Jess
“Pacific Capital is a premier wealth management firm in Southern California. The Team is extremely knowledgeable, professional, trustworthy, and goes out of its way to help its clients reach their financial goals.”
Michael
You’re an entrepreneur. You’re wired differently. You shouldn’t be taking money and business advice from non-entrepreneurial advisors. Your money advice must also be wired differently. Get strategic financial advice from an elite entrepreneurial team who understands how you think.
Because we have a proven track record of providing an outstanding service experience for wealthy entrepreneurial families.
How do you score against our 100 Financial Checkpoints?
Get your inspection score and personal recommendations from our team of experts.
with $25M+ and you'd like a more strategic, concierge approach
to managing your wealth and business...









Get the results you’ve been missing out on by utilizing our trademarked processes:
How do you score against our 100 Financial Checkpoints?
Get your inspection score and personal recommendations from our team of experts.
Uncover blind spots, highlight opportunities, and gain crystal-clear insights into your financial health.
Our proprietary Financial Inspection® evaluates every critical area — from cash flow and debt to investments, taxes, and long-term planning — using 100 expert-designed checkpoints.
Get the results you’ve been missing out on by utilizing our trademarked processes:
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
Chad Willardson, AWMA®, CF2, CRPC®
President, Founder
Josh Coniglio, CFP®, Certified Financial Fiduciary®
Director of Financial Planning
Cori Parks, CRPC®, Certified Financial Fiduciary®
Client Service Director
Morgan Fippinger CFA, CAIA, CFP®, Certified Financial Fiduciary®
Director of Investment Strategy
Aurielle West, Certified Financial Fiduciary®
Financial Paraplanner
Randy Francis, CFP®, Certified Financial Fiduciary®
Client Wealth
Strategist
Katrina Samuel, Certified Financial Fiduciary®
Client Service Coordinator
Bruno Krenn
Investment Analyst
Neliza Werka, MBA
Director of Client Engagement
Matt Munson
Family Office Liaison
Oriya Hirschhorn
Executive Assistant to Chad Willardson
Lance Ray
Resident Lending Strategist
Peter Manning
Business Retirement Plan
Peter Manning
Business Retirement Plan
Chad Willardson, AWMA®, CF2, CRPC®
President, Founder
Josh Coniglio, CFP®, Certified Financial Fiduciary®
Director of Financial Planning
Cori Parks, CRPC®, Certified Financial Fiduciary®
Client Service Director
Morgan Fippinger CFA, CAIA, CFP®, Certified Financial Fiduciary®
Director of Investment Strategy
Aurielle West, Certified Financial Fiduciary®
Financial Paraplanner
Randy Francis, CFP®, Certified Financial Fiduciary®
Client Wealth
Strategist
Katrina Samuel, Certified Financial Fiduciary®
Client Service Coordinator
Bruno Krenn
Investment Analyst
Neliza Werka, MBA
Director of Client Engagement
Matt Munson
Family Office Liaison
Oriya Hirschhorn
Executive Assistant to Chad Willardson
Lance Ray
Resident Lending Strategist
Peter Manning
Business Retirement Plan
Join 10k+ leaders and entrepreneurs and receive our weekly newsletter with insights and tips from our Founder and President, Chad Willardson.
Join 10k+ leaders and entrepreneurs and receive our weekly newsletter with insights and tips from our Founder and President, Chad Willardson.
Investment advisory services are provided by Pacific Capital, Inc., an SEC registered investment adviser. The firm only transacts business in states and jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Additional information regarding Pacific Capital, Inc. including its fees, can be found in Pacific Capital, Inc.’s Form ADV, Part 2. A copy of which is available upon request or online at www.adviserinfo.sec.gov. Pacific Capital, Inc. does not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. Investment products, insurance and annuity products are not FDIC insured and may lose value. Actual returns experienced by individual clients will differ due to many factors. Past performance does not guarantee future results. Investments involve risk and the possibility of loss, including the loss of principal.