Whether you are a business owner, professional athlete, corporate executive or retiree, you live an active life with goals and concerns that are personal and unique to you. You may be building your business or working towards that next NBA contract, or maybe you’ve stepped back from your primary business focus to take on new and different life challenges. No matter what phase of life you are in, you likely have some shared priorities with other successful people like you. You are focused on creating and protecting wealth for you and those whom you care about. You’d like to reduce the taxes you pay and potentially help support the cost of education for your children or grandchildren. You want to protect your assets and your family from unexpected hardships and emergencies. You may have a goal to pay off all of your debt or to borrow wisely to start a new business. There could be a charitable cause that you feel strongly about and would like to devote more time and resources to.
Making smart money decisions and achieving your goals with peace of mind is how we define “successful wealth management.” Before making any financial decisions, it’s important to clarify your top priorities and then take a look at your entire financial life to make sure your decisions all lead to achieving your goals. That process begins with the Financial Life Inspection®, which will help you discover the financial matters that need your attention and what adjustments can improve your chances of success. Once The Financial Life Inspection® is complete, you may decide to take advantage of some of the services we offer you at Pacific Capital to address your top priorities:
Portfolio Management
- Manage your investments, personalized to your goals and risk comfort level
- Monitor and make adjustments to your investments as markets fluctuate and your needs change
- Inform you regularly about the growth and income from your investment portfolio
- Research a vast variety of investment opportunities for you while providing objective advice
Retirement Planning
- Plan together to optimize your retirement cash flow in a tax-efficient way
- Design a personal retirement plan for you with advice on appropriate ownership and beneficiaries
- Advise on your 401k and pension investments in your current retirement plans
- Assist with your 401k rollovers, IRAs, Roth IRA conversions, guaranteed income investments
- Manage your small business retirement plan for you and your employees
Credit and Lending
- Plan together to optimize your current debt and pay down your loans efficiently
- Provide low-rate portfolio-based loans for you with flexible terms
Cash Management
- Establish a savings plan strategy for your portfolio and savings accounts (automation is easy)
- Assist and administer college savings plans for your children or grandchildren
- Plan cash flow and income optimization for you and your family members
Insurance Protection
- Evaluate your current life insurance policies: term, whole and universal policies
- Recommend appropriate long-term care insurance for you: premium-based or asset-based
- Explore lower cost or higher benefit policies as alternatives to your currently owned policies
- CA Insurance License #0E27165: please refer to disclosures for more information
Estate Planning
- Check your ownership and titles of financial accounts and other assets
- Assist with your charitable gifting of financial assets
- Conduct family meetings offering financial counsel to your extended family
- Have your trust and estate planning documents reviewed by certified estate planners
Referable Services
We choose not to handle the following services internally at Pacific Capital. However, we will confidently refer you to exceptional professional connections who have expertise in each respective field.
- Traditional home mortgages and home equity lines of credit
- Draft Trusts, wills and durable powers of attorney for healthcare
- Commercial, business or SBA lending
- Setting up your legal corporations or LLCs
- Drafting your personal or business tax returns
- Brokering a purchase or sale of a business