Pacific Capital Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting. Financial planning was provided to 251–500 clients last fiscal year.
Pacific Capital Wealth Advisors reports 78 clients. They include 59 high-net-worth individuals, 13 individual clients, and 5 pension and profit-sharing plans. Of its assets, 100.0% ($821M across 336 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 17% | <1% |
| High-net-worth individuals | 76% | 98% |
| Pension and profit-sharing plans | 6% | 0% |
| Charitable organizations | 1% | 1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 13 | $2.67M | 0.3% | $205K |
| High-net-worth individuals | 59 | $806M | 98.2% | $13.7M |
| Pension and profit-sharing plans | 5 | $0 | 0.0% | $0 |
| Charitable organizations | 1 | $11.9M | 1.5% | $11.9M |
| Total | 78 | $821M | 100% | $10.5M |
- Clients
- 13
- Regulatory AUM
- $2.67M
- AUM share
- 0.3%
- Avg. per client
- $205K
- Clients
- 59
- Regulatory AUM
- $806M
- AUM share
- 98.2%
- Avg. per client
- $13.7M
- Clients
- 5
- Regulatory AUM
- $0
- AUM share
- 0.0%
- Avg. per client
- $0
- Clients
- 1
- Regulatory AUM
- $11.9M
- AUM share
- 1.5%
- Avg. per client
- $11.9M
Total
- Clients
- 78
- Regulatory AUM
- $821M
- AUM share
- 100%
- Avg. per client
- $10.5M
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Pacific Capital Wealth Advisors charges 1.00%–1.25% a year for its Investment Management Fees. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Life Inspection
- The Financial Life Inspection financial planning service is offered for a flat cost of $9,600, negotiable at the firm's discretion.
Chad Willardson owns 75% or more of Pacific Capital Wealth Advisors. The leadership team of Pacific Capital Wealth Advisors includes President Chad Willardson and Chief Compliance Officer Aurielle West. It has 9 employees, 6 of them in advisory roles.
Leadership
- Chad WillardsonPresident
- Aurielle WestChief Compliance Officer
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
Staff
- 9 employees
- 6 in advisory functions
- 5 state-registered reps
- 5 insurance agents
- Owns 75% or more of Pacific Capital Wealth Advisors, Inc.
Chad Willardson
Control person · since November 2011
Pacific Capital Wealth Advisors’ regulatory assets grew 3.8× from $213M (June 2021) to $821M (September 2026); clients fell from 187 to 78 and employees rose from 6 to 9.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $821M | 78 | 9 | 2 |
| April 2025 | $654M | 154 | 9 | 2 |
| July 2024 | $526M | 160 | 7 | 3 |
| March 2023 | $525M | 147 | 7 | 3 |
| February 2022 | $387M | 141 | 7 | 3 |
| June 2021 | $213M | 187 | 6 | 3 |
Besides its headquarters, Pacific Capital Wealth Advisors has 1 office, with 2 listed addresses in California.
California · 2 listed addresses
- 1861 California Avenue, Suite 101, CoronaHQ
- 4965 Macarthur, Newport Beach
Contact and registration details
- Legal name
- Pacific Capital Wealth Advisors, Inc.
- Headquarters
- 1861 California Avenue, Suite 101, Corona, CA 92881
- Website
- pacificcapital.com
- Phone
- 844-777-8777
- @pacific-capital
- SEC file
- 801-80494
- Structure
- California corporation
- Fiscal year end
- December
Pacific Capital Wealth Advisors uses Charles Schwab ($669M) as custodian for its separately managed accounts. Pacific Capital Wealth Advisors has custody of $508M in client assets for 45 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $669M100%
At year end, Pacific Capital Wealth Advisors’ separately managed accounts were mostly in funds (85%). Its reported 13F holdings for the quarter ended 30 June 2026 total $663M across 92 positions; the largest are State Str SPDR S&P 500 ETF T (31.6%), Vanguard BD Index Fds (13.3%) and Invesco Qqq TR (11.2%).
What the accounts hold
- Stocks6%
- Funds85%
- Registered funds84%
- Pooled vehicles1%
- Bonds7%
- U.S. government and agency bonds5%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash2%
Reported 13F holdings
- $663M
- Reported 13F value
- 92
- Positions
- 80.7%
- In the 10 largest
- +11.4%
- Value vs. prior quarter
- State Str SPDR S&P 500 ETF T · TR Unit31.6%
- Vanguard BD Index Fds · Total Bnd Mrkt13.3%
- Invesco Qqq TR · Unit Ser 111.2%
- iShares TR · Core MSCI Eafe7.5%
- Vanguard Scottsdale Fds · Int-term Corp.4.5%
- Vanguard Whitehall Fds · High Div Yld4.4%
- SPDR Series Trust · ST Str Blo 1 ETF2.2%
- iShares TR · 0-3 Mth Treasury2.1%
- Vanguard BD Index Fds · Intermed Term2.0%
- Schwab Strategic TR · US Dividend EQ2.0%
Together, the ten largest are 80.7% of reported value.
How many clients does Pacific Capital Wealth Advisors have?
Pacific Capital Wealth Advisors has 78 clients and manages $821 million for them, as of September 2026. They include 59 high-net-worth individuals, 13 individual clients, and 5 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 8 September 2026
What services does Pacific Capital Wealth Advisors offer?
Pacific Capital Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, and pension consulting.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Pacific Capital Wealth Advisors charge?
Pacific Capital Wealth Advisors charges 1.00%–1.25% a year for its Investment Management Fees. The fee is billed in advance and is negotiable.
Which custodians does Pacific Capital Wealth Advisors use?
Pacific Capital Wealth Advisors’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $669M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 8 September 2026
How many financial advisors does Pacific Capital Wealth Advisors have?
Pacific Capital Wealth Advisors has 5 investment adviser representatives registered with state securities authorities, out of 9 employees, and 6 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 5 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Pacific Capital Wealth Advisors invest in?
At the end of its last fiscal year, Pacific Capital Wealth Advisors’ separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 6% exchange-traded equities, 5% U.S. government and agency bonds, 2% cash and equivalents, 1% state and local bonds, 1% investment grade corporate bonds and 1% pooled vehicles (private funds and similar).
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Pacific Capital Wealth Advisors?
Pacific Capital Wealth Advisors’ direct owner is Chad Willardson (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 8 September 2026
How does Pacific Capital Wealth Advisors get paid?
Pacific Capital Wealth Advisors is paid through a percentage of assets under management, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Pacific Capital Wealth Advisors?
Pacific Capital Wealth Advisors’ main office is at 1861 California Avenue, Suite 101, Corona, CA 92881. Its phone number is 844-777-8777. Its website is pacificcapital.com.