Pacific Capital Associates
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Pacific Capital Associates provides investment advisory and planning services to individuals (including high‑net‑worth clients), trusts, retirement plans, and business entities. Its offerings include comprehensive portfolio management, standalone financial planning and consulting, retirement plan consulting, and an account monitoring option.
The firm follows a value‑oriented, long‑term, globally diversified investment approach that emphasizes low‑cost index ETFs while selectively using actively managed mutual or closed‑end funds; portfolios are monitored and rebalanced regularly. Pacific Capital also engages third‑party money managers to implement client strategies and performs initial and ongoing due diligence on those managers (a capability added in 2025).
Unlike most supported RIAs, Pacific Capital’s representatives are registered with Mutual Securities (FINRA/SIPC) and are licensed insurance agents, allowing the firm to offer commissionable securities and insurance products alongside fee‑based advisory services and to compensate unaffiliated persons for referrals; the firm discloses these potential conflicts and also receives economic benefits through its relationship with Charles Schwab. The firm manages roughly $259 million with three advisors, maintains a $200,000 account minimum (waivable in special situations), and includes corporate planning services (tax planning, cost segregation, corporate structure) among its planning capabilities.
Client services
Expertise
Fee options
Financial Planning & Consulting flat fees up to $10,000
Representatives are registered representatives able to accept commissions from sale of securities including trail fees from mutual funds
Financial Planning & Consulting hourly fees up to $350/hour
Account minimum: $200,000 Fee-only: Financial Planning & Consulting: Hourly fees up to $350/hour; Flat fees up to $10,000 (case-by-case basis)
Main office
4747 Viewridge Ave Ste 107
San Diego CA 92123-1688
Advisors at this office
3
Most active in
Arizona · California · Colorado · Florida · Idaho · Nevada · New Hampshire · New York · Oregon · Texas · Washington
Also doing business as
Crawford Capital Management, Inc · Pacific Capital Associates · Pacific Capital Associates, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
John S
CFP®, Series 66
San Diego, CA
Pacific Capital Associates
John Simon is a CFP® with 26 years of industry experience. He is affiliated with Pacific Capital Associates and has held roles at Mutual Securities, Inc., Cetera Advisor Networks LLC, and Girard Securities Inc. Outside of his advisory work, he serves as a recreation specialist referee for youth and adult hockey games in the City of Escondido. Pacific Capital Associates provides portfolio management, financial planning, retirement plan consulting, and account monitoring services to individuals, trusts, retirement plans, and business entities. The firm employs a valuation-driven, value investing approach with global diversification and emphasizes cost control through the use of low-cost index ETFs alongside selectively chosen active funds.
Kevin S
CFP®
San Diego, CA
Pacific Capital Associates
Kevin Stone is a CFP® professional with 28 years of experience in financial advising. He has been with Pacific Capital Associates in San Diego, CA, since 1991. Pacific Capital Associates serves individual clients, trusts, retirement plans, and business entities, providing portfolio management, financial planning, retirement plan consulting, and account monitoring. The firm employs a valuation-driven, value investing strategy with global diversification and emphasizes cost control through low-cost index ETFs alongside selective use of actively managed funds.
Richard T
Series 66
San Diego, CA
Pacific Capital Associates
Richard Toscano is a financial advisor at Pacific Capital Associates with 19 years of industry experience. He holds a Series 66 designation and has worked at Girard Securities, Inc. and Cetera Advisor Networks before joining Pacific Capital Associates in 2011. Pacific Capital Associates serves individual clients, trusts, retirement plans, and business entities, managing approximately $221 million in assets. The firm employs a valuation-driven, value investing approach with global diversification and emphasizes low-cost index ETFs alongside selective active management.
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