Pacific Capital Associates offers comprehensive portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth individuals, trusts, estates, and businesses. Founded in 2006 and based in San Diego, California, the firm utilizes a value-investing philosophy focused on long-term returns, patience, and cost-effectiveness through globally diversified portfolios of individual securities, exchange-traded funds, and mutual funds. The firm may also recommend third-party money managers to assist with portfolio implementation. In addition to investment management, Pacific Capital Associates provides standalone financial planning covering areas such as retirement, estate, tax, and insurance planning, as well as specialized consulting for employer-sponsored retirement plans and basic account monitoring services.
Fee Structure
Portfolio-Based Fees (Flat)
| Portfolio Value | Annual Fee |
|---|---|
| Any | 1.00% |
Maximum annual fee for comprehensive portfolio management is 1.00%, billed quarterly in advance. Fees are negotiable. Third-party managers may charge up to an additional 1.50%.