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# Pacific Capital

OUR PEOPLE AND OUR CULTURE MAKE THE DIFFERENCE

## Sitemaps

- [XML Sitemap](https://pacificcapital.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Why fortunes disappear](https://pacificcapital.com/why-fortunes-disappear/) - Why fortunes disappear It's not bad investments August 3, 2026 70% of wealthy families lose their wealth by the second generation. By Gen 3, 90% is gone.The Vanderbilts are the classic example. Cornelius left a fortune worth billions today. At a family reunion decades later, not one of his 120 descendants was a millionaire.Here’s the
- [Access beats cash](https://pacificcapital.com/access-beats-cash/) - Access beats cash Liquidity is freedom July 30, 2026 Your biggest financial edge over the next decade is not picking better investments.It’s having access to money when everyone else needs it.For years the line was “cash is trash.” And there’s some truth to it. Money sitting idle isn’t working for you.But most people think about
- [Exit Planning for High-Net-Worth Entrepreneurs: Don't Let Fear Delay Your Business Sale](https://pacificcapital.com/exit-planning-for-high-net-worth-entrepreneurs/) - Exit planning strategies for high-net-worth entrepreneurs and to maximize business value and prepare for a successful sale.
- [My high school report card](https://pacificcapital.com/my-high-school-report-card/) - My high school report card "Talks excessively." July 09, 2026 I dug up my old high school report cards recently. Check out what my teachers had to say:Ninth grade. “Needs to be attentive in class.” “Talks excessively in class.” And right next to it (different teachers), “Outstanding effort” and “Pleasure to have in class.” Senior
- [10 Non-PC Truths](https://pacificcapital.com/10-non-pc-truths/) - 10 Non-PC Truths Worth passing on July 13, 2026 Most families pass down money and I’m sure we will too, but we’re also striving to pass down something that can’t be spent: PRINCIPLES.These are 10 non-pc truths my wife and I teach our five kids:The world owes you nothing. Everything you want must be earned.Comfort
- [My 4 Biggest Bets](https://pacificcapital.com/my-4-biggest-bets/) - My 4 Biggest Bets Here's what I learned July 14, 2026 Today I’m sharing 4 of my biggest “bets” (along with the underlying belief and benefits) I’ve made that have really paid off:Got Married Young at Age 22⏭️ Belief: I don’t need to have financial security before I start my family⏭️ Bet: my wife and
- [Largest Wealth Transfer Ever](https://pacificcapital.com/largest-wealth-transfer-ever/) - Largest Wealth Transfer Ever More Than $$ July 16, 2026 We’ve officially entered the largest wealth transfer in history with TRILLIONS moving from one generation to the next.Everyone seems to be focused on the financial mechanics of inheritance. Trusts. Tax strategy. Estate structure. Life Insurance. All important. All necessary.And all pointless if your kids (and
- [Don't wait for perfect](https://pacificcapital.com/dont-wait-for-perfect/) - Don’t wait for perfect 70% get stuck here July 20, 2026 (Stop monkeying around and go for it)I’m making final edits to my seventh book this week, while running three companies, serving as an elected official, and raising five kids with my wife.The secret to writing that many books isn’t talent. It’s five words I
- [Pacific Capital, JOIN ME tomorrow](https://pacificcapital.com/pacific-capital-join-me-tomorrow/) - Pacific Capital, JOIN ME tomorrow Free calendar, stuck mind 21 July, 2026 For seven years, delegation was my religion.Hire great people. Build systems. Get administrative tasks off my list. Get out of the day-to-day minutiae. And it worked. My calendar opened up. Revenue kept growing. Freedom increased.But then something happened that I didn’t expect. My
- [The $15M gift hiding in plain sight](https://pacificcapital.com/the-15m-gift-hiding-in-plain-sight/) - The $15M gift hiding in plain sight Most will miss this window July 26, 2026 The federal estate tax exemption just jumped to $15 million per person. That’s $30 million for a married couple. And unlike prior changes, this one has no sunset date. Congress made it permanent under the One Big Beautiful Bill Act.Why
- [Call a family "Timeout"](https://pacificcapital.com/call-a-family-timeout/) - Call a family “Timeout” Summer is almost over July 26, 2026 Legendary NBA coach Phil Jackson almost never called timeouts when the Bulls (or Lakers) were losing.A super counterintuitive move when his teams were falling apart in the middle of the game.We just did this recently together over a Sunday night dinner. Took that dinner
- [How to Delegate as an Entrepreneur (And Why It's Not Enough)](https://pacificcapital.com/how-to-delegate-as-an-entrepreneur/) - Learn how to delegate as an entrepreneur and why delegation alone won't help you reach your next level. Discover the power of elevation and better leadership
- [Nobody knows how it ends](https://pacificcapital.com/nobody-knows-how-it-ends/) - Nobody knows how it ends The SpaceX question answered July 07, 2026 I keep getting asked if I invested in Space X, so here’s my thought. I did NOT invest in Space X personally. Doesn’t mean I think it’s a terrible investment. I just don’t invest when there’s this much hype and emotion around something.
- [Said goodbye in Brazil](https://pacificcapital.com/said-goodbye-in-brazil/) - Said goodbye in Brazil My 19-year-old gets it July 6, 2026 Just said an emotional goodbye to our oldest son here in Brazil last week as he embarks on his 2 years of service as a volunteer missionary for The Church of Jesus Christ of Latter-day Saints.He’ll primarily be serving on the island of Santos.
- [Rich Graveyards](https://pacificcapital.com/rich-graveyards/) - Rich Graveyards Listen to the regrets June 12, 2026 Most people don’t run out of money.They run out of time, with the money still sitting there in your bank account.More than half of people die with their savings unspent. Think about what that number actually means. Years of working on holidays and maybe even weekends.
- [After your exit](https://pacificcapital.com/after-your-exit/) - After your exit Your next phase of life June 14, 2026 I’ve seen clients and friends sell their business for over $100M and feel no different the next day.Not what you’d imagine, right?But I started realizing how common it is. The big milestone goal they’d been chasing for seven, ten, fifteen years finally happens, and
- [$5 million went to the wrong person](https://pacificcapital.com/5-million-went-to-the-wrong-person/) - $5 million went to the wrong person One form. Never updated. June 18, 2026 Back in 2006, a client of my colleague at Merrill Lynch passed away unexpectedly in his late fifties.Two kids in high school. A wife of 20+ years by his side through everything.His $5 million life insurance payout went to his ex-wife.
- [Dads Matter A LOT](https://pacificcapital.com/dads-matter-a-lot-2/) - Dads Matter A LOT My special tribute to dads June 21, 2026 Happy Father’s Day!When you’re a kid, you don’t always see:How hard your dad works for youThe quiet sacrifices he makesThe invisible stress behind his smileUnfortunately, the news, media, and Hollywood portray dads as aloof and unnecessary.But I know from my own experience (and
- [I told my kids what Disneyland cost](https://pacificcapital.com/i-told-my-kids-what-disneyland-cost/) - I told my kids what Disneyland cost They packed their own lunch June 23, 2026 First time we took the whole family to Disneyland, I did something most parents wouldn’t.I told my kids exactly what it cost.$200 per person for admission. Plus food. Plus parking. Plus all the extras. Grand total for one day: $1,700.Then
- [The wealthy worry too](https://pacificcapital.com/the-wealthy-worry-too/) - The wealthy worry too More money, same fear June 30, 2026 Most people assume financial stress disappears once you have enough money.It doesn’t. It just changes shape.I’ve sat across from people worth tens of millions who lie awake at night running the same loop everyone else does. What if I run out? What if there’s
- [Land of the free](https://pacificcapital.com/land-of-the-free/) - Land of the free They see what we forgot July 2, 2026 A German World Cup fan literally called Taco Bell in Atlanta “the Holy Land,” praising it for it’s delish food.A crazy thing is happening in America right now. Hundreds of thousands of visitors are here for the World Cup, and they can’t stop
- [70-90% of your net worth](https://pacificcapital.com/70-90-of-your-net-worth/) - 70-90% of your net worth How to grow it now June 9, 2026 A friend came to me a couple years ago talking about selling his business that he’d been building for about 15 years. They were very profitable and doing about $44 million in annual revenue with a team of 40 employees.He’d been talking
- [Fancy suits, boring charts](https://pacificcapital.com/fancy-suits-boring-charts/) - Fancy suits, boring charts Wear no ties, tell no lies June 8, 2026 My industry is full of corporate uniforms and boring charts.Advisors in fancy suits talking about asset allocation and diversification, sliding pie charts across the table. If you’re an entrepreneur, that conversation is a snooze fest.They want to talk interest rates and economic
- [$3 Billion and growing](https://pacificcapital.com/3-billion-and-growing/) - $3 Billion and growing Who do you know? June 4, 2026 We’ve got a client whose business is an absolute rocket ship of growth: $160M EBITDA. Zero debt. 22% annual growth for over two decades. And we’re opening the door for a family office investor. Our PACIFIC CAPITAL client is a U.S.-based tech/software services company
- [Money Talk](https://pacificcapital.com/money-talk/) - Money Talk Start them early June 2, 2026 My wife recently redid our kitchen and it’s been kind of a mess (literally and figuratively).It’s almost finally done and looks beautiful.Our kids are ages 10-21 and I speak openly about money with them, so I told them exactly what we’ve spent, including this large new freeze
- [FAMILY REUNIONS](https://pacificcapital.com/family-reunions/) - FAMILY REUNIONS The inheritance that actually matters June 1, 2026 Family reunions used to fill entire summers.Now most families barely see each other once a year, if that.That drift is costing your kids more than you realize.Researchers at Emory University spent years studying what predicts emotional resilience in children. They expected grades, parenting style, maybe
- [STOP DELEGATING TODAY](https://pacificcapital.com/stop-delegating-today/) - STOP DELEGATING TODAY There's a better way May 28, 2026 Most high-performing entrepreneurs have challenges with delegation.Some of you don’t delegate at all because the stakes are high and you’d rather make sure it gets done right. Some of you delegate a lot but have to take over the task or project eventually because it’s
- [High Income ≠ Wealth](https://pacificcapital.com/high-income-wealth/) - High Income ≠ Wealth NB Surgeon wake up call May 21, 2026 Dear Morgan, The most incorrect financial assumption high-earning entrepreneurs make: income growth equals financial progress. A cosmetic surgeon in Newport Beach came into my office over 20 years ago (when I was working at Merrill Lynch). Earning over a million dollars a year
- [Same fork. 30 years apart.](https://pacificcapital.com/same-fork-30-years-apart/) - Same fork. 30 years apart. My dad never told me this May 19, 2026 My parents and three sisters and I this week in KauaiMay 19, 2026Dear Morgan,My dad was on track to make partner at one of the most prestigious accounting firms in downtown Los Angeles.It was a grind.Late nights. Weekends. Holidays. The treadmill
- [There is no “later”](https://pacificcapital.com/there-is-no-later/) - There is no “later” Aloha from Kauai May 18, 2026 We don’t have time for “LATER” in my family… my mom’s wish was to get to Hawaii with all 22 of us and this video is from yesterday getting to Kauai.We got her wheelchair to the beach with all her kids and grandkids and she
- [Dusty money](https://pacificcapital.com/dusty-money/) - Dusty money It's still costing you May 14, 2026 A man walked up to me at a charity fundraiser a few years ago. He really wanted to talk about the worst financial decision of his life and get my thoughts on it. In 2016, he cashed out his entire $8 million investment portfolio. He was
- [Loud voices, small portfolios](https://pacificcapital.com/loud-voices-small-portfolios/) - The most confident market predictors have the smallest portfolios. Here's what 24 years advising high-net-worth investors reveals about staying the course.
- [She almost died for me 🙏🏽](https://pacificcapital.com/she-almost-died-for-me/) - She almost died for me 🙏🏽 Still trying to match her standard May 11, 2026 My mom almost died giving birth to me.Emergency C-section. Premature. Five pounds. My parents were college students, graduating just a couple months after I was born. The doctor pulled my dad aside and told him the surgery would be high
- [Wealth Doesn't Damage Kids](https://pacificcapital.com/wealth-doesnt-damage-kids/) - Wealth Doesn’t Damage Kids It’s Closer to Home May 7, 2026 Kids of wealthy parents fall into drug and alcohol addiction at higher rates than average. Most people assume it’s because they have too much money. It’s not. Decades of research out of Columbia points to one thing: emotional distance from their parents. Too busy.
- [45,000 Feet = 1 Honest Conversation](https://pacificcapital.com/45000-feet-1-honest-conversation/) - 45,000 Feet = 1 Honest Conversation A Super Bowl coach, an NBA trainer, my son, and the talk nobody expected May 5, 2026 I spent 8-10 hours at 45,000 feet last week with a Super Bowl-winning NFL coach, a national champion women’s college basketball coach, an NBA trainer, and my oldest son Pierce (who leaves
- [Financial love for family](https://pacificcapital.com/financial-love-for-family/) - Financial love for family 2026 is your year May 4, 2026 Most of you have not updated your estate plan in the last ten years. Some of you haven’t touched it since you first got married. A few of you probably don’t have one at all. Not because you’re irresponsible. Because sitting down to discuss
- [Bravest person in the room](https://pacificcapital.com/bravest-person-in-the-room/) - Bravest person in the room Worst investor in the portfolio May 01, 2026 I’ve sat across from some of the most fearless business builders I know. People who signed personal guarantees on $300 million credit lines without blinking. Who bet everything on a company with zero customers. Who made high-stakes decisions late at night, up
- [Give smarter, not harder](https://pacificcapital.com/give-smarter-not-harder/) - Give smarter, not harder The IRS is keeping part of your donation April 28, 2026 If you’re writing checks directly to your favorite charities, you’re leaving real money on the table.Not a technicality. A legitimate strategy that many generous people have never heard of, and that institutions managing large philanthropic capital have been using for
- [Wrong diagnosis](https://pacificcapital.com/wrong-diagnosis/) - Wrong diagnosis The real problem hiding in plain sight April 27, 2026 Most entrepreneurs aren’t short on strategy. Frameworks, coaches, masterminds, whiteboards full of quarterly priorities. And they’re still stuck.Not because the strategy is wrong. Because they don’t know what they’re actually building toward.A founder friend pivoted his company three times in two years. Hired
- [Rich on paper](https://pacificcapital.com/rich-on-paper/) - Rich on paper One bad quarter from a crisis April 23, 2026 I had lunch with a founder a few months ago who’d been building his company for eleven years. Real business. Good margins, low customer turnover, recurring revenue. It’s estimated the business is worth between $275M and $325M. Yet he only has about $250,000
- [Be unpopular now](https://pacificcapital.com/be-unpopular-now/) - Be unpopular now Worth every argument April 19, 2026 Our kids don’t get a smartphone until they’re 16.And even then, they have time restrictions and no social media on their phone. Five kids, ages 10 to 21. Our older kids pushedback at 13, 14, 15. Felt left out. Told me I was the strictest dad
- [Good. Better. Best.](https://pacificcapital.com/good-better-best/) - Good. Better. Best. A+ Decison-Making April 16, 2026 The hardest decisions in your life aren’t typically between good and bad choices. As President Dallin Oaks taught, the bulk of our choices are instead between “good, better, and best” options. The decisions that take more intention are the choices between two genuinely good things. The weekend
- [Three advisors. Zero coordination](https://pacificcapital.com/three-advisors-zero-coordination/) - Three advisors. Zero coordination It's costing you plenty April 9, 2026 A few years ago, a potential client scheduled a Zoom with us. Attorney. Sharp. She’d left a large corporate law firm earning nearly a million a year to build her own practice. She’d done everything right on paper. Great CPA. A financial advisor managing
- [My 2 yrs in Lithuania 🇱🇹](https://pacificcapital.com/my-2-yrs-in-lithuania/) - My 2 yrs in Lithuania 🇱🇹 Why 100% is easier than 98% March 31, 2026 When I was nineteen, I flew all the way to Vilnius, Lithuania.I didn’t speak the language. My bank account was near empty. I landed in that cold foreign country knowing I’d only get to talk with my family twice a
- [More money, fewer people.](https://pacificcapital.com/more-money-fewer-people/) - More money, fewer people. Who can actually relate March 30, 2026 There’s a friend I think about whenever someone tells me money solves everything. He runs a global company with employees in 11 time zones. He works nearly a hundred hours a week. He’s built a business most entrepreneurs could only dream of. And he
- [How the best entrepreneurs decide](https://pacificcapital.com/how-the-best-entrepreneurs-decide/) - How the best entrepreneurs decide Faster than everyone else. Wrong less often. March 24, 2026 The best entrepreneurs I know all have one thing in common. They make decisions faster than everyone else. And they’re wrong less often. It’s not because they’re smarter. It’s because they’ve built a system for how they think under pressure.
- [Avoid traditional financial advice](https://pacificcapital.com/avoid-traditional-financial-advice/) - Avoid traditional financial advice W-2 thinking costs more. March 23, 2026 Most financial advice was built for one type of person: someone with a steady W-2 paycheck. Not you. As an entrepreneur, your income doesn’t arrive in equal installments every two weeks. Some years are a feast. Some are a famine. And most financial advisors
- [Convo w/ $300M founder](https://pacificcapital.com/convo-w-300m-founder/) - Convo w/ $300M founder Don’t leave this to chance March 17, 2026 “All of my net worth is tied up in my company. I reinvest everything back into the business.” That’s exactly what a $300M founder told me yesterday. Have you been in that position? Or are you there now? For the majority of business
- [Faith in God & Business](https://pacificcapital.com/faith-in-god-business/) - Faith in God & Business Faith → Family → Everything else March 9, 2026 I recently went on a podcast, and the host admitted his faith quietly slipped off his priority list as his business grew. He grew up in a Christian family like mine.But he feels lost and distanced from that upbringing now.It’s more
- [Smart Investors Know This](https://pacificcapital.com/smart-investors-know-this-2/) - Smart Investors Know This Money and investment decisions shouldn’t be made in a vacuum. February 19, 2026 “What should I invest my money in right now?” I get asked this all the time, from: Friends Acquaintances Neighbors Random people at conferences Online DMs But that’s actually backwards thinking. It misses the most important factor in
- [Success in Home and Business](https://pacificcapital.com/success-in-home-and-business/) - As an entrepreneur, you don't have to choose between business success and a thriving home life. Discover the frameworks to win at both.
- [Family Office Guide to Raising Smart, Not Spoiled Kids](https://pacificcapital.com/if-youre-an-entrepreneur-i-get-you-i-hear-this-all-the-time/) - The top fear among family office parents? Wealth ruining their kids. Discover four practical strategies to raise financially capable, grounded children.
- [Same $100M net worth, but different strategies](https://pacificcapital.com/same-100m-net-worth-but-different-strategies/) - Entrepreneurs: stop copying others' investment plans. Your wealth strategy should match your goals, timeline, and risk tolerance, not someone else's life
- [5 Ways Millionaires Are Quietly Building and Sustaining Wealth Right Now](https://pacificcapital.com/5-ways-millionaires-are-quietly-building-and-sustaining-wealth-right-now/) - Chad Willardson, founder of Pacific Capital, highlights a growing trend among affluent investors he calls “lifestyle-aligned investing.” Instead of chasing traditional or speculative returns, wealthy individuals are increasingly directing capital into assets that reflect their personal values, interests, and desired lifestyles. Willardson notes examples such as boutique resorts, co-investments in passion projects like sports teams
- [Not Scaling? You May Have An Accountability Problem—Here's The Fix](https://pacificcapital.com/not-scaling-you-may-have-an-accountability-problem-heres-the-fix/) - Feeling stuck in your business growth? It might not be your strategy—it might be your accountability. In this Forbes article, Chad Willardson, who’s built six companies, written six books, and advised hundreds of entrepreneurs, reveals why even the most driven leaders stall when they rely solely on self-motivation—and how external accountability and leverage are the real keys
- [I Audited My Time for One Week. Here’s What I Changed Forever.](https://pacificcapital.com/i-audited-my-time-for-one-week-heres-what-i-changed-forever/) - Are you really being productive—or just busy? In this powerful Entrepreneur article, Chad Willardson shares what happened when he audited every hour of his week
- [7 Proven Ways to Reduce Wasted Time in Your Daily Life](https://pacificcapital.com/7-proven-ways-to-reduce-wasted-time-in-your-daily-life/) - In this article, Chad shows how easily modern distractions consume our most valuable resource: time. He highlights that the average American spends 6–8 hours a day on phones and TV, often at the expense of productivity, mental health, and meaningful relationships.Drawing from personal experience and research, Chad emphasizes the importance of managing attention, setting boundaries
- [How Every Entrepreneur Can Lead Through Stress Without Impacting Team Performance](https://pacificcapital.com/how-every-entrepreneur-can-lead-through-stress-without-impacting-team-performance/) - Learn how you as an entrepreneur can manage stress, inspire confidence, and build resilient teams during uncertainty and high-pressure situations.
- [You Didn’t Build A Business To Become Its Prisoner: 4 Tips For Financial Freedom](https://pacificcapital.com/7-proven-ways-to-reduce-wasted-time-in-your-daily-life-copy/) - In this Forbes Business Council article, Chad Willardson, President & Founder of Pacific Capital and ELEVATED, and six-time best-selling author, explains how many entrepreneurs unintentionally build a “cage of gold”—achieving financial success while sacrificing time and freedom. He outlines four key traps that keep founders stuck: letting cash sit idle instead of investing for long-term growth, mistaking busyness for
- [The talk most parents skip](https://pacificcapital.com/the-talk-most-parents-skip/) - The talk most parents skip Costa Rica. Real estate. Teenagers. April 6, 2026 A few years ago in Costa Rica on spring break, our family was at dinner and I started talking to my teenagers about a real estate deal I was investing in.Not the basics. The real stuff.Leverage. Cash flow. How to force appreciation
- [What your calendar admits](https://pacificcapital.com/what-your-calendar-admits/) - What your calendar admits You won't like this. April 13, 2026 In Fully Invested, I started with a single observation: you’re already investing your time, energy, and attention (and money) in something, whether you consciously decided to or not.You didn’t sit down one day and choose to scroll your phone before bed. You didn’t decide
- [What room are you in?](https://pacificcapital.com/what-room-are-you-in/) - What room are you in? I bet you never audited it April 15, 2026 You can optimize your mindset all you want. If you’re in the wrong room, it won’t matter. Very few of you audit the rooms you spend time in. Why not? Because it’s easy to get comfortable when things are going well.
- [Burnout and Blind Spots](https://pacificcapital.com/burnout-and-blind-spots/) - Burnout and Blind Spots Most entrepreneurs miss this completely March 10, 2026 Most entrepreneurs have a clear plan and specific goals for their business, but NOT for their life.There are three big things that might be missing from your “life strategy.”In my book, Fully Invested, I focus on eight areas that shape a complete life:Health
- [A $350,000 watch](https://pacificcapital.com/a-350000-watch/) - A $350,000 watch What does it mean? April 02, 2026 A few days ago at lunch in South FL, some friends started comparing their watches.Super fancy ones$60,000. $150,000. $350,000.Brands I’d never even heard of. One of them looked at me and asked what my favorite watch brand was.I told him the truth: I don’t have
- [War and Stocks](https://pacificcapital.com/war-and-stocks/) - War and Stocks What You Should Do March 5, 2026 Last weekend, U.S. and Israeli forces launched a strike against Iran. Investor fear spiked on the news, and the markets initially reacted.The Dow fell over 500 points at the open [1]The S&P 500 dropped more than 1% intraday [2]The VIX (Wall Street’s “fear index”) briefly
- [14 $$ rules I wish I knew younger](https://pacificcapital.com/14-rules-i-wish-i-knew-younger/) - 14 $$ rules I wish I knew younger Your future self is watching March 12, 2026 I’m writing this to the younger version of myself and to every ambitious person under 30 who’s willing to listen.Most financial advice for young people is either too vague to act on, too late to matter, or comes from
- [Nobody wishes they'd bought more stuff](https://pacificcapital.com/nobody-wishes-theyd-bought-more-stuff/) - Nobody wishes they’d bought more stuff Things fade. Memories compound. March 19, 2026 Broke people buy expensive things to look wealthy.Wealthy people prefer spending on experiences instead; they’re not trying to prove anything to anyone.I’ve seen this pattern up close for over 23 years.The families with the real money?They’re not the ones wearing the fanciest
- [Why I ignore the haters](https://pacificcapital.com/why-i-ignore-the-haters/) - Why I ignore the haters Stop building for strangers March 26, 2026 My friend Andrew asked me this morning how I deal with people who judge or criticize me online.My answer surprised him.I told him it’s easy to ignore criticism from “haters” because I don’t get ego inflation from supporters either. If you don’t inhale
- [The one thing I’ll never delegate](https://pacificcapital.com/the-one-thing-ill-never-delegate/) - The one thing I’ll never delegate You can hire a team, but not for this one role March 16, 2026 As an entrepreneur and a father of 5 kids, there’s one thing I’ll never outsource.As a business leader, I’ve learned to delegate a lot.We have great leaders, processes, and systems in place that don’t require
- [Financial Freedom Isn’t Built Like This](https://pacificcapital.com/more-important-than-income/) - Financial Freedom Isn’t Built Like This You can’t earn your way to financial freedom. You have to invest your way there. Feb 26, 2026 Most people think the key to financial freedom is earning more money.So they chase income. Bigger salary. Bigger bonus. Bigger revenue targets.And then their lifestyle inflates right along with their income.
- [To Brazil for 2 years!!](https://pacificcapital.com/to-brazil-for-2-years/) - To Brazil for 2 years!! Brazil is getting a good one March 2, 2026 My son, Pierce, just received his church missionary assignment last week.Brazil! 🇧🇷He’s pressing pause on college (BYU), where he’s studying astrophysics and entrepreneurship, and on work, to spend two years as a full-time volunteer.No salary. No internship credit. No keeping up
- [Seemed impossible in 2020](https://pacificcapital.com/seemed-impossible-in-2020/) - So on this topic, I created a “Michael Phelps Checklist.” Feb 24, 2026 In 2020, I set a bold goal."I’m going to write 10 books in 10 years."I made this goal after being asked many times on LinkedIn the following questions:"Chad, have you written a book yet?""When is your book coming out?"At first, I wasn’t
- [Why your business might be stuck](https://pacificcapital.com/why-your-business-might-be-stuck/) - Why your business might be stuck Why your business might be stuck Dec 18, 2025 Entrepreneurship sounds exciting. And it can be.But it’s a grind. It’s not for everyone. And it can also be incredibly lonely.Most people think the hardest part is finding new customers/clients, building systems, hiring the right team, etc.But here’s a secret
- [Success Shouldn’t Feel Like This](https://pacificcapital.com/success-shouldnt-feel-like-this/) - Entrepreneurs: Escape the Prison of Complexity. Learn to simplify, delegate, and lead with alignment, without sacrificing what matters most.
- [Pressure Is a Privilege. Here’s Why Most Avoid It](https://pacificcapital.com/pressure-is-a-privilege-heres-why-most-avoid-it/) - November 4, 2025 Dear, Michael Jordan missed 26 game-winning shots in his career. 26 times he was trusted to win, and didn’t. But here's what made him great:He kept asking for the ball at the end of the game. He didn’t run from pressure. He chased it. That’s the mindset that separates average performers from
- [This habit will sabotage your wealth](https://pacificcapital.com/this-habit-will-sabotage-your-wealth/) - October 23, 2025 Dear, Checking your investment balance every day is one of the fastest ways to sabotage your wealth. I know. It sounds counterintuitive. But here’s why. When you watch the market daily, you notice every single up and down day. And when you see those dips and big (temporary) declines? It triggers fear
- [The #1 Most Underrated Skill for Achievers](https://pacificcapital.com/the-1-most-underrated-skill-for-achievers/) - October 21, 2025 Dear, Hustling for 16 hours a day won’t make you successful. It’ll break you. Too many gurus believe the grind is everything. They encourage you to sleep less, push harder, outwork everyone. But that’s often just ego disguised as hustle. Exhaustion isn’t a badge of honor; it’s a warning signal. When burnout
- [How the wealthy pay ZERO taxes (100% legal)](https://pacificcapital.com/how-the-wealthy-pay-zero-taxes-100-legal/) - October 16, 2025 Dear, The wealthiest entrepreneurs often pay less in taxes than everyone else. Not because they cheat the system. Because they understand the system. Most people: Do zero tax planning Sell assets to spend money Get hammered by taxes Meanwhile, the wealthy: Buy assets Do strategic tax planning Borrow against assets to spend
- [Procrastination is good. (Yes, really!)](https://pacificcapital.com/procrastination-is-good-yes-really/) - October 14, 2025 Dear, One day, I was chatting with my friend Dan Sullivan, and he said something that baffled me: "Procrastination is a gift." At first, it didn’t make sense to me. But the more he explained it, the more it made sense. Most people think procrastination is laziness. They think it means: Being
- [Why EQ Will Make You Richer Than IQ Ever Could](https://pacificcapital.com/why-eq-will-make-you-richer-than-iq-ever-could/) - October 12, 2025 Dear, Schools train kids to memorize facts and chase grades, then send them into a world that rewards emotional intelligence instead. IQ gets you in the room. EQ creates success and relationships. After two decades of working with hundreds of 8- and 9-figure entrepreneurs, here’s what I’ve learned: The intellectually smartest person
- [$1M PER YEAR wasn’t even enough](https://pacificcapital.com/1m-per-year-wasnt-even-enough/) - October 9, 2025 Dear, Making millions doesn't guarantee financial freedom. It's a harsh truth many high earners discover too late. On the surface, earning seven figures a year should set you up for life. But income and wealth are two very different things. Let me share with you a cautionary tale from 22 years ago.
- [Stop Waiting For Luck](https://pacificcapital.com/stop-waiting-for-luck/) - October 7, 2025 Dear, “They’re so lucky.” “Must be nice.” Ever thought that when you see someone winning big? That mindset kills progress. People who actually win, in business and in life, focus on three things: 1️⃣ Preparation meeting opportunity 2️⃣ Consistent action over time 3️⃣ Learning from every setback If luck were to decide
- [[Exclusive] A framework we share within our ELEVATED community](https://pacificcapital.com/exclusive-a-framework-we-share-within-our-elevated-community/) - Check out this video from our recent ELEVATED event! October 5, 2025 Dear, Lots of tragedies and crises lately. The world feels like a crazy place. And 24/7 access to news doesn’t help at all. It may feel tempting to make financial decisions based on what’s happening in the news. But that’s never been a
- [Your “safe” money isn’t safe at all](https://pacificcapital.com/your-safe-money-isnt-safe-at-all/) - October 2, 2025 Dear, Lots of tragedies and crises lately. The world feels like a crazy place. And 24/7 access to news doesn’t help at all. It may feel tempting to make financial decisions based on what’s happening in the news. But that’s never been a winning strategy. I get it. Leaving money in the
- [A personal tax I can help you eliminate](https://pacificcapital.com/a-personal-tax-i-can-help-you-eliminate/) - Photos from the Fully Invested book launch! Quick Note: we sent you a free ebook of Fully Invested to your email through Amazon as a thank you for being on my email list! Simply click on the link inside the email to claim it. September 26, 2025 There’s a tax you might be paying without
- [This shift changed how I treat my time ⏳](https://pacificcapital.com/this-shift-changed-how-i-treat-my-time-⏳/) - If you missed it: we emailed you a free ebook version of Fully Invested through Amazon as a thank you for being on my email list. Check your inbox to claim it! September 28, 2025 Dear, What happens if you spend your whole life waiting for “the right time” to live? I’m asking this because I
- [My book, Fully Invested, is OUT TODAY!](https://pacificcapital.com/my-book-fully-invested-is-out-today/) - September 24, 2025 My new book, Fully Invested, is officially out! 🥳🥳🥳 Grab your copy here. This book is for you if you’ve achieved some success in your business or career... But underneath the wins, you’re feeling the stress of striving for “work-life balance": Feeling that busy work life gets in the way of
- [The Goal Isn’t to Make Kids Rich—It’s to Make Them Resourceful](https://pacificcapital.com/the-goal-isnt-to-make-kids-rich-its-to-make-them-resourceful/) - October 26, 2025 Dear, If you want your kids to build lasting confidence and financial stability, teach them how to create opportunities, not just wait for them. That doesn’t mean every kid needs to start a business. But it does mean you need to help them think independently, take initiative, and solve real-world problems. By
- [Stop multitasking!!](https://pacificcapital.com/stop-multitasking/) - October 28, 2025 Dear, People brag about being good at it, but multitasking is NOT a sign of productivity. You might think that you’re getting more things done. But in reality, you're just switching between tasks quickly.​ Every time you switch, your focus breaks. And every switch breaks your focus: Lost energy Wasted time And
- [Stop playing defense with your life](https://pacificcapital.com/stop-playing-defense-with-your-life/) - November 11, 2025Dear, Most people spend their entire lives playing “defense.” Protecting what’s comfortable. Holding tight to what they've currently got. It’s kind of like a sports team that gets a lead and then totally changes its game plan to protect its lead… Only to see their lead disappear before the end of the game.
- [His regrets after making $30M…](https://pacificcapital.com/his-regrets-after-making-30m/) - November 9, 2025 Dear, Most people tell themselves, “I’ll have more time for family later.” But later rarely comes. Busy entrepreneurs fall into that trap easily. We think, “Once I hit this next milestone… or close this next deal… then I’ll slow down.” But every time you choose “work now, family later,” you trade moments
- [A lesson from Amber’s finish in MX](https://pacificcapital.com/a-lesson-from-ambers-finish-in-mx/) - December 10, 2025Dear, My wife just set another PR in her latest half Ironman in Mexico! Her goal was simple: finish in under 6 hours. She crossed the line at 5:59:51. Nine seconds to spare. 1% faster than her last PR. But here’s why the story means a little more. During the bike leg, her
- [Our 9-year old climbed up the 1,000 ft face](https://pacificcapital.com/our-9-year-old-climbed-up-the-1000-ft-face/) - December 14, 2025Dear, Our 9 year old climbed straight up a 1,000 ft cliff (at 12,000 feet elevation) to spend the night in a pod hanging off the side of the cliff! That experience taught him a valuable life lesson.Quick context: Earlier this year, my wife Amber and I took our kids on a family
- [You might be missing out on high-yield investments](https://pacificcapital.com/you-might-be-missing-out-on-high-yield-investments/) - December 16, 2025Dear, Most “top investment picks” promoted by banks, investment magazines, and financial marketers aren’t designed to grow your wealth. They're picked because someone gets paid to promote them.Here’s what I mean: Many investors assume “recommended” means “best.” But in most cases, it means “most profitable for the bank or broker.” They earn big fees
- [Why some deals just aren’t worth it](https://pacificcapital.com/why-some-deals-just-arent-worth-it/) - March 23, 2025 In March 2016, I faced one of the toughest decisions of my career. A client with $120M to invest was referred to us (Pacific Capital)! This client would have been 3x larger than we’d had up to that point! There was just ONE problem: This client was kind of a jerk. From the very beginning, he was:
- [March madness in my own family!](https://pacificcapital.com/march-madness-in-my-own-family/) - March 26, 2025 How do people accomplish their big dreams? Born with lots of talent? Lucky breaks? How do some people make it happen? Our daughter McKinley showed no signs of greatness as a 6th-grade basketball player. Nothing she did on the court as a middle schooler was turning heads. She didn’t have extraordinary skills
- [Still drinking? Here’s why the top 1% are quitting](https://pacificcapital.com/still-drinking-heres-why-the-top-1-are-quitting/) - April 02, 2025 A few years ago, alcohol flowed freely at every dinner and deal-making event. And for most of that time, I felt like I was the only one not drinking. Now? It’s almost rare to see anyone order an alcoholic drink. Entrepreneurs and business leaders are finally waking up to the real cost
- [The markets are dropping! Now what?](https://pacificcapital.com/the-markets-are-dropping-now-what/) - April 06, 2025 Stocks are down sharply! Volatility has spiked! And the usual talking heads are doing what they do best… Fueling fear, not facts. If you turn on the news this week, it may feel like a terrible time to be invested in the stock market. But what the news won’t tell you is that: 📉 The S&P 500 is down 15%
- [Market declines over 52 years (examples & reasons)](https://pacificcapital.com/market-declines-over-52-years-examples-reasons/) - April 09, 2025 You’ve probably seen the headlines… “$6.6 trillion wiped out in 48 hours!” “Markets crashing over Trump’s tariffs!” “Worst two-day drop since the pandemic!” It’s everywhere. These kinds of market drops always come with big, bold labels and headlines. I’ve been professionally observing them for nearly 25 years. Here are 14 examples of market
- [15 wealth tips from managing over $1B](https://pacificcapital.com/15-wealth-tips-from-managing-over-1b/) - April 13, 2025 You can graduate with honors and STILL have no clue how to build wealth. Investing to build and protect wealth isn’t taught in college at all. If that’s you, it’s probably not your fault. Most colleges don’t emphasize personal financial education and it’s not a requirement to get your degree- And so many
- [6 ways to legally pay less in taxes](https://pacificcapital.com/6-ways-to-legally-pay-less-in-taxes/) - April 16, 2025 Tax season is a wrap. (or at least your extensions are filed.) So, how’d it feel? If you’re like most entrepreneurs… You ended up paying more than you wanted. Or expected. And it’s not your CPA’s fault. Not the IRS’s fault. And no, you don’t have to accept it as “just how it
- [What Easter REALLY means (to us)!](https://pacificcapital.com/what-easter-really-means-to-us/) - April 20, 2025 Happy Easter Sunday! Whether you gathered around a full dinner table with family, attended a morning worship service, or simply enjoyed a quiet day at home... I hope today offered you a deep breath and a moment to reflect. Today it’s a reminder of everything Easter stands for: Renewal, redemption, and triumph.
- [Is it time to build more income streams?](https://pacificcapital.com/is-it-time-to-build-more-income-streams/) - April 23, 2025 Can you build wealth by creating multiple streams of income? Not exactly. But I hear this advice all the time. Like diversification is the path to building wealth… People who have $10k, $30k, or even $100k to their name, and want to invest in 5 different asset classes, all at once: Real estate Crypto Stocks Private
- [What are you waiting for? Perfect timing is a myth.](https://pacificcapital.com/what-are-you-waiting-for-perfect-timing-is-a-myth/) - April 30, 2025 Most people don’t fail because their goals are too big. They fail because they keep postponing taking action. Yes, everybody has doubts. Maybe you have them too. Maybe you think it’s not the right time. Maybe you don’t feel ready. But ask yourself this: When is it EVER the "right time?" Not sure I’ve ever
- [My “overnight success” story!](https://pacificcapital.com/my-overnight-success-story/) - May 4, 2025 Twenty three years ago, I was making $5.25 an hour. Taking the shuttle bus to work (marketing call center) because my wife and I shared one car. We lived in a 450-square-foot basement apartment. Our meals consisted mostly of pasta-in-a-box that we got from the discount grocery store nearby. We were young,
- [This tiny action changed how my kids look at money…](https://pacificcapital.com/this-tiny-action-changed-how-my-kids-look-at-money/) - May 7, 2025 Most people overcomplicate investing and wealth-building. They're always looking for: The next hot crypto coin A "perfect" stock pick Some secret magical trading strategy The latest get-rich-quick scheme But they’re ignoring the most powerful force in investing: The "boring" magic of consistently investing and compounding growth over a long period of time.
- [The world wouldn't be the same without them](https://pacificcapital.com/the-world-wouldnt-be-the-same-without-them/) - May 11, 2025 Nobody has shaped who I am more than my mom. She’s the definition of resilient. Even while battling a rare form of Parkinson’s, she shows up with strength, optimism, and a powerful “I’ve got this” attitude. When people ask where I get my relentless drive, my persistence, or my mindset... That’s where
- [Did you expect growth without being uncountable?](https://pacificcapital.com/did-you-expect-growth-without-being-uncountable/) - May 14, 2025 When I started in wealth management 23 years ago, my standard minimum new client investment was $100,000. It seemed like a decent chunk of money for someone to invest. Which, coming from my $5.25/hour job in college, it was. Looking back, that seemed like a big leap from where I personally started.
- [Is your net worth dropping by 5-10% each year?](https://pacificcapital.com/is-your-net-worth-dropping-by-5-10-each-year/) - May 18, 2025 Imagine working all year… Saving money diligently… Thinking you’re being responsible. And STILL losing money and seeing your net worth drop! That’s what’s happening to most people right now. In fact, if you’re keeping a large chunk of your money sitting in a bank account, there’s a good chance you’re losing up to
- [Why I don’t want to be like Steve Jobs](https://pacificcapital.com/why-i-dont-want-to-be-like-steve-jobs/) - March 30, 2025 Steve Jobs changed the world. No one denies that. But behind the genius, the product launches, and the global empire… Was a man who admitted he missed some of life’s most meaningful moments like simply being there for his family. That same drive that built Apple… Also kept him: At the office when he should’ve
- [The cost of freedom](https://pacificcapital.com/the-cost-of-freedom/) - May 25, 2025 Happy Memorial Day weekend. Every year, we’re given a gift. A gift that comes disguised as: Burgers Beach towels And a day off work The freedom to chase big goals… The chance to raise strong families, grow businesses, and live the way we want to… None of it just showed up. It
- [Why married couples are wealthier](https://pacificcapital.com/why-married-couples-are-wealthier/) - June 01, 2025 This might shock you… 86% of millionaires are married. Most are still with their first spouse. Why is this the case? I’m glad you asked: 1. Business: You make better decisions when you’re not running on emotional chaos. 2. Health: Married people tend to live longer, sleep better, and take fewer risks.
- [Everyone wants the private jet… until this](https://pacificcapital.com/everyone-wants-the-private-jet-until-this/) - May 28, 2025 Are you sure you’re ready to “pay” for the lifestyle you want? Because make no mistake, there is a price. But it’s not in dollars. It's something most people avoid at all costs. Everyone wants the: 7-figure income Dream house Private jet Until things get a little uncomfortable. People want the fruit… Without planting, watering, and growing
- [Shocking data on who's buying luxury brands](https://pacificcapital.com/shocking-data-on-whos-buying-luxury-brands/) - June 04, 2025 How much do you spend per year on “luxury brands?” $1,000? $10,000? $100,000 or more? The amount of shopping you splurge on unnecessary purchases reveals your relationship with money. And that relationship determines your chances of obtaining financial freedom (or not). Here’s why… Can you guess who’s behind 75% of luxury spending
- [The "Income Trap" no one talks about](https://pacificcapital.com/the-income-trap-no-one-talks-about/) - June 08, 2025 You can out-earn 93% of America… …and still feel like you don’t have enough in the bank. No joke. The stats don’t lie: 📉 2 out of 3 Americans live paycheck to paycheck. 💸 Over half of them make $100,000+ per year. So what’s going on? Is it inflation? Is it the Fed?
- [gained 61 lbs, 6.5 inches, and 1 BIG lesson](https://pacificcapital.com/gained-61-lbs-6-5-inches-and-1-big-lesson/) - June 11, 2025 What happens when you trade comfort for relentless standards? BIG results. I was reminded of this as we watched our middle child, Sterling, promoted from 8th grade. He’s off to high school now! Ready for basketball, football, and more advanced classes. But his last three years? They weren’t typical. Sterling attended a private
- [My special tribute to dads](https://pacificcapital.com/my-special-tribute-to-dads/) - June 15, 2025 Happy Father’s Day! When you're a kid, you don’t always see: How hard your dad works for you The quiet sacrifices he makes The invisible stress behind his smile Unfortunately, the news, media, and Hollywood portray dads as aloof and unnecessary. But I know from my own experience (and statistics) that fathers
- [Even successful people wrestle with this...](https://pacificcapital.com/even-successful-people-wrestle-with-this/) - June 18, 2025 If you could hear all my conversations from over 20 years with very successful entrepreneurs… You’d be surprised. They don’t have it all figured out. Like, at all. Surprising right? What they do have is a relentless commitment to keep going. They don’t have all the answers, and they aren’t as confident as you
- [[NEWS] US tax changes you need to know](https://pacificcapital.com/news-us-tax-changes-you-need-to-know/) - July 23, 2025 Trump's new tax bill passed on July 4th, and it's huge for entrepreneurs and investors! Here’s what changed… And what it means for you. But first, let me give you the disclaimer: This is not tax advice and you should not take any action based on my newsletter without consulting your professional
- [What I've learned after 100+ talks](https://pacificcapital.com/what-ive-learned-after-100-talks/) - June 25, 2025 Last month after wrapping up a keynote in Florida, something pretty cool happened. Members of the audience asked me follow up questions for TWO HOURS. I'm not sharing this to brag about the speech. But to share that if you connect well with an audience, you can make a major impact. Studies
- [A transformational 48 hours to FL and back](https://pacificcapital.com/a-transformational-48-hours-to-fl-and-back/) - June 29, 2025 Here’s how 48 hours taught me more than a typical 4-year college degree. It all happened last month at Jon Gordon's "Training Camp Live" in Florida… And I'm still processing everything I absorbed. Being in rooms with people like: Sean McVay Dabo Swinney Mark Rhule Eddie George Jim Rome Trent Dilfer Jay
- [The best country in the world...](https://pacificcapital.com/the-best-country-in-the-world/) - July 03, 2025 I love America. To me, America means: Freedom Opportunity And a melting pot of people chasing their own version of “the American Dream” I know things feel crazy right now. Political division, economic uncertainty, threats of war, endless negative news headlines. (Honestly, what’s new though?) But that’s not what I see in
- [A rare (but easy) skill you should master](https://pacificcapital.com/a-rare-but-easy-skill-you-should-master/) - July 13, 2025 We live in a world where everyone is half-checked out. Let me explain… Last year I took a friend to dinner and a Lakers game. And to my surprise… the ENTIRE dinner and game, he was on his phone: Texting Emailing Even taking calls It was as if I was there by
- [How I lost a $40M deal at age 30](https://pacificcapital.com/how-i-lost-a-40m-deal-at-age-30/) - July 6, 2025 In my late twenties, I invested in a digital magazine company that caught Apple's attention. Apple offered $40 million to acquire it. I was ready to accept, but our co-founders held out for $100 million. His pride and slow communication frustrated Apple, who eventually pulled the offer. No other buyers came. Market competitors popped
- [This is how most businesses die](https://pacificcapital.com/this-is-how-most-businesses-die/) - July 16, 2025 Just came back from a breakthrough week with a private business club I belong to with 21 other entrepreneurs (founded by Tony Robbins). And wow… The level these founders are operating at… the ideas, the goals they’re setting… It pushes me to think bigger and aim 100x higher. I’ll be sharing more
- [You can't help everyone](https://pacificcapital.com/19871-2/) - August 13, 2025 Last week, I talked with a founder friend who said something that stuck with me: “I’ve got a habit of rescuing others… and it costs me a lot of time and money.” This founder has a big heart. They’ll: Write a check for any friend in need Step in to solve someone
- [My son’s 4 senior year 🏐 goals](https://pacificcapital.com/my-sons-4-senior-year-🏐-goals/) - July 27, 2025 In January, our son Pierce shared his ambitious volleyball goals for his senior season. My wife and I would be lying if we said they seemed possible at the time: Go 10-0 and win the league championship Earn an MVP award Break three all-time school records (single match blocks, season blocks, career
- [The 64-yr old woman who wouldn’t quit](https://pacificcapital.com/the-64-yr-old-woman-who-wouldnt-quit/) - July 31, 2025 “You're going to die.” Said top marine biologist to 64-year-old Diana Nyad when she attempted to swim from Cuba to Key West after failing 4 times. “It’s a suicide mission.” Her team, sponsors, and everyone abandoned her after the fourth attempt. They said it was impossible because of the currents, waves, temperature,
- [What's your finish line?](https://pacificcapital.com/whats-your-finish-line/) - August 06, 2025 Most people chase an award, an income target, a “trophy”... Only to make one mistake after achieving it: Settling into the comfort zone. They treat big success like a finish line… Instead of a starting point. High-level entrepreneurs? They don’t have finish lines. They know that standing still means falling behind. And the only
- [Her feelings lost her $3.5 million](https://pacificcapital.com/her-feelings-lost-her-3-5-million/) - August 3, 2025 Here’s why “fast cash” promises rarely pay off. Quick story. A woman in her early 60s… (Let’s call her Lisa) Was a couple of years from retirement after 40 years of disciplined saving and investing. Between what she and her husband had saved, plus decades of growth… They'd built up about $3.5 million in
- [What's your excuse?](https://pacificcapital.com/whats-your-excuse/) - August 10, 2025 What if YOU are the only person stopping you from achieving your dreams and goals? Quick story… 5 years ago, my wife Amber didn’t have many hobbies. She wanted to try competing in races, but she always kept herself from going for it. She’d often say: "I'd sign up, but I’m not
- [How to really multiply your wealth!](https://pacificcapital.com/__trashed-2/) - August 17, 2025 Did you ever hear any of these phrases growing up? “Money doesn’t grow on trees.” “We can’t afford that.” “Rich people are greedy anyway.” “Save every penny.” “Don’t be wasteful." Some of these phrases are said with good intentions. But they communicate scarcity thinking. And when YOU say them as parents, they
- [How to prepare your kids for the "AI takeover"](https://pacificcapital.com/how-to-prepare-your-kids-for-the-ai-takeover/) - August 20, 2025 I recently saw this alarming prediction on X: “47% of college degree jobs will be done by robots in 10 years.” AI is replacing more and more jobs. And it’s moving faster than most people realize. Companies are already replacing human workers: Amazon laid off 27,000 people and adopted AI tools and
- [This is bittersweet...](https://pacificcapital.com/this-is-bittersweet/) - August 31, 2025 It's a bittersweet feeling dropping your kid off at college. College drop off DONE! ✅ Our second kid, Pierce, followed the footsteps of his big sis McKinley to Brigham Young University! Crazy to think it’s already over and he’s moved out. You spend 18 years teaching them to fly, and then comes
- [Why most A+ students fail in the real world](https://pacificcapital.com/why-most-a-students-fail-in-the-real-world/) - August 27, 2025 Most people spend their entire life trying to be the smartest person in the room. They get straight As in school. They chase degrees and awards. They think they know a lot. School programming rewards those who “have all the answers.” And here’s why that’s dangerous: The more you think you know,
- [Are you building wealth or a job?](https://pacificcapital.com/are-you-building-wealth-or-a-job/) - August 24, 2025 The most successful founders don't work IN their business every single day. In other words, they’re not the operator. They’re the owner. Operating means you’re the day-to-day decision-maker. You’re managing details. Doing admin tasks. Coordinating a ton. Putting out fires. Owning is a different role from opening. You set the vision. You
- [This leadership style causes team burnout](https://pacificcapital.com/this-leadership-style-causes-team-burnout/) - September 03, 2025 Do you know what kills businesses the fastest? It’s not a bad product. It’s not a tough market. It’s micromanagement. Micromanagement turns your team into “task-doers.” They stop thinking for themselves. They wait for you to make every decision. Which means… You’re the obstacle. Not only does this slow your business growth… But
- [What investors expect vs. reality](https://pacificcapital.com/what-investors-expect-vs-reality/) - September 05, 2025 Most investors want upside gains without volatility. They see volatility as risk. They fear the headlines, the big swings, the uncertainty. But volatility isn’t the enemy. It’s the reason long-term investors earn outsized returns, because they stay invested through the downturns. Here’s how to protect wealth in a volatile market: 1. Stay
- [Yes, I'm worried about this...](https://pacificcapital.com/yes-im-worried-about-this/) - September 07, 2025 People often ask me: “Chad, aren’t you worried about spoiling your kids when you’re flying them around on your jet?” Yes, of course I am! My family didn't have a lot of money growing up. We lived on a middle income. My upbringing taught me to value work and appreciate what we
- [This mindset shift will give you freedom](https://pacificcapital.com/this-mindset-shift-will-give-you-freedom/) - September 09, 2025 Entrepreneurs and friends have asked how I manage to… Run multiple businesses Serve as an Elected Official Write books each year Travel to conferences …while still making plenty of time for my family. Here’s the simple secret: I don’t do it alone. We built a team of A+ talent who support what I’m
- [9/11](https://pacificcapital.com/9-11/) - Photo by 9/11 Memorial & Museum September 11, 2025 Today marks 24 years since the September 11 terror attacks. College classes were cancelled. My roommates and I were glued to the TV, watching it unfold. Like tens of millions of Americans, I watched in horror. Our country’s response left a lasting impression. It was a
- [Work-life balance does not exist](https://pacificcapital.com/work-life-balance-does-not-exist/) - Photo credits to tecHindustan September 14, 2025 Work-life balance does NOT exist. There's a better way to have what you want. Whether it's: A thriving business A fulfilling family life The ability to travel whenever you want But before I share how... Let’s look at where the notion "work-life balance" comes from. Think back to
- [People would rather talk about d**gs than money 🤯](https://pacificcapital.com/people-would-rather-talk-about-dgs-than-money-🤯/) - September 17, 2025 44% of Americans say money is harder to talk about than death, politics, or religion. [1] Think about that for a second. Why is that? Because money is tied to status. And too often, net worth gets confused with self-worth. That’s one reason why parents avoid money talks with their kids.
- [How do you pay yourself as an entrepreneur?](https://pacificcapital.com/how-do-you-pay-yourself-as-an-entrepreneur/) - September 17, 2025 As entrepreneurs, we live with financial uncertainty. Questions are constant: “How do I manage cash flow?” “How much should stay in reserves?” “What should I pay myself?” After advising entrepreneurs for over two decades, here are three steps that bring clarity and control: 1. Get a real cash-flow analysis Don’t just rely
- [I’m super excited to announce…](https://pacificcapital.com/im-super-excited-to-announce/) - September 21 2025 We’ve all heard the saying: “Bigtime success requires bigtime sacrifice.” For most people, that means: Delaying starting your family Giving up family dinners Working nights and weekends And missing a lot of important moments with your kids But here’s what’s really happening… When you sacrifice your family for business, you end up losing
- [From homeless war veteran to earning a PhD](https://pacificcapital.com/from-homeless-war-veteran-to-earning-a-phd/) - September 30, 2025 Dear, If you’ve ever caught yourself making excuses for why you can’t achieve something big… Then let my good friend (and client), Keegan, show you what’s possible when you refuse to settle for excuses. Keegan struggled through school, then joined the U.S. military as a teenager. He was supposed to come home
- [What Every Daughter Learns from Her Dad](https://pacificcapital.com/what-every-daughter-learns-from-her-dad/) - October 19, 2025 Dear, FACT: Daughters who feel connected to their fathers grow up with stronger self-worth and greater life satisfaction. [1] And the research backs it up. They have: More confidence Better decision-making skills Stronger resilience Here's why this matters for us as dads. 1. We shape their future. When we show up consistently...
- [You Can Be in Paradise and Still Miss It](https://pacificcapital.com/you-can-be-in-paradise-and-still-miss-it/) - November 2, 2025 Dear, People chase a lot of different things. Some people chase money. Some chase fame. Some chase more time. But the wisest are working on presence. Last year, our family spent part of Christmas break in Grand Cayman, crystal water, white sand and perfect sunny weather. We played beach volleyball, built sandcastles,
- [Interview With Author Chad Willardson](https://pacificcapital.com/interview-with-author-chad-willardson/) - In this interview, Chad Willardson—a father of five, entrepreneur, City Treasurer, and best-selling author—shares insights from his latest book, Fully Invested. Managing over $1.4 billion in investments and running four companies, Willardson reflects on his discovery that “work-life balance is a lie.” His new book aims to help driven professionals excel in both business and
- [Why Most Founders Fail on Social Media (And How to Fix It Fast)](https://pacificcapital.com/why-most-founders-fail-on-social-media-and-how-to-fix-it-fast/) - Founders often fail on social media because they try to speak to everyone at once, diluting their message and failing to connect with any specific audience. In his article, Chad Willardson emphasizes the importance of crafting content as if speaking to one person, using direct language like “you” and clearly identifying who you’re addressing, such
- [Is Gen X Prepared for Retirement? 4 Reasons Many Feel Unprepared](https://pacificcapital.com/is-gen-x-prepared-for-retirement-4-reasons-many-feel-unprepared-2/) - A new Northwestern Mutual study shows that more than half of Gen Xers (52%) have saved only three times their annual income or less, and 54% don’t believe they’ll be financially ready for retirement. Chad Willardson, founder of Pacific Capital and City Treasurer of Corona, California, emphasizes that Gen X faces distinct financial headwinds. Rising
- [Should You Use Crypto To Purchase a Home? 4 Methods and Their Risks](https://pacificcapital.com/is-gen-x-prepared-for-retirement-4-reasons-many-feel-unprepared/) - As crypto gains popularity, some buyers are exploring ways to use it for real estate purchases. Experts caution, however, that while opportunities exist, risks remain high. Andrew Lokenauth of Be Fluent in Finance notes the most reliable option is still converting crypto into cash before buying a home — a method he used for a
- [9 Subtle Signs of ‘Stealth Wealth’ That Are Easy To Miss, According To Finance Experts](https://pacificcapital.com/9-subtle-signs-of-stealth-wealth-that-are-easy-to-miss-according-to-finance-experts/) - In a recent Parade article exploring the concept of “stealth wealth,” several financial experts break down the subtle signs and mindset behind this rising trend. Often described as “quiet luxury,” stealth wealth is all about prioritizing privacy, intention, and long-term value over public displays of success. Chad Willardson, President of Pacific Capital, shares that individuals
- [The Most Important Hire You're Not Making: Executive Assistants](https://pacificcapital.com/the-most-important-hire-youre-not-making-executive-assistants/) - In his latest Forbes article, Chad Willardson—President & Founder of Pacific Capital and ELEVATED—makes a compelling case for one of the most overlooked hires in entrepreneurship: the executive assistant (EA). Drawing from his own leadership experience and the systems he’s developed, Willardson explains why a high-level EA is not just an admin, but a force
- [Entrepreneurs Have a High Divorce Rate — Do This to Defy the Odds (No Coldplay Concert Drama Required)](https://pacificcapital.com/entrepreneurs-have-a-high-divorce-rate-do-this-to-defy-the-odds-no-coldplay-concert-drama-required/) - In Entrepreneur, Chad Willardson, founder of Pacific Capital and Elevated, explores why entrepreneurs face significantly higher divorce rates than the general population and how to break that trend. He points to long work hours, chronic stress, and the “always-on” hustle culture as major contributors, eroding the connection and emotional bandwidth needed for a thriving relationship.
- [Why Chad Willardson Says Success Culture Is Failing and What Comes After](https://pacificcapital.com/why-chad-willardson-says-success-culture-is-failing-and-what-comes-after/) - In LA Weekly, wealth advisor, author, and entrepreneur Chad Willardson takes a critical look at the flaws of modern “success culture,” arguing that the constant push for more—more money, more growth, more accolades—often leaves entrepreneurs burned out, distracted, and unfulfilled. As founder of Pacific Capital and creator of the Fully Invested™ framework, Willardson advocates for
- [Fully Invested: Chad Willardson’s Framework For True Entrepreneurial Success](https://pacificcapital.com/fully-invested-chad-willardsons-framework-for-true-entrepreneurial-success/) - In California Business Journal, wealth advisor and entrepreneur Chad Willardson shares how his Fully Invested™ framework empowers high-performing entrepreneurs to scale their businesses while protecting their freedom and well-being. As founder of Pacific Capital and creator of ELEVATED, Willardson emphasizes aligning wealth, time, and energy with personal priorities to achieve lasting fulfillment—not just financial success.
- [Fully Invested: Chad Willardson on Leading at Work and at Home](https://pacificcapital.com/fully-invested-chad-willardson-on-leading-at-work-and-at-home/) - In a recent USA Today feature, wealth advisor and author Chad Willardson shares how his approach to leadership blends entrepreneurial drive with intentional family life. As founder of Pacific Capital and the author of 5 best selling books, Willardson emphasizes that true success isn’t just measured in financial milestones—it’s in aligning work and home with
- [Fully Invested: Chad Willardson’s formula for true wealth](https://pacificcapital.com/fully-invested-chad-willardsons-formula-for-true-wealth/) - In Digital Journal’s feature, “Fully Invested: Chad Willardson’s Formula for True Wealth,” wealth advisor and entrepreneur Chad Willardson shares his comprehensive approach to building not just financial success, but a life of freedom and fulfillment. As the founder of Pacific Capital and ELEVATED, Chad emphasizes that true wealth is about clarity, purpose, and alignment—not just
- [Competitors Love It When You Wait For The "Perfect Time"—Here’s Why](https://pacificcapital.com/competitors-love-it-when-you-wait-for-the-perfect-time-heres-why/) - In his Forbes article “Competitors Love It When You Wait For The 'Perfect Time'—Here’s Why,” Chad Willardson dismantles the myth of perfect timing and challenges leaders to embrace action over hesitation. He argues that waiting for the “right moment” often masks fear and avoidance, while real growth begins in discomfort. Using Elon Musk as a
- [I Wish Every Entrepreneur Had a Dad Like Mine](https://pacificcapital.com/i-wish-every-entrepreneur-had-a-dad-like-mine/) - In this moving tribute, Chad Willardson shares the profound influence his father had on his leadership style and family life. More than a successful CEO, Willardson’s dad led with humility, kindness, and integrity—principles that became the foundation of Chad’s own approach to business and parenting. Key Takeaways: Kindness is strength: His father treated everyone with
- [Global Business: Market Reaction To Trump's Tax Bill](https://pacificcapital.com/global-business-market-reaction-to-trumps-tax-bill/) - Wall Street’s nerves are showing — and for good reason. As Trump’s sweeping tax bill threatens to add $3.8 trillion to the national deficit, markets are signaling concern, not chaos. In this sharp, on-air interview, Pacific Capital’s Chad Willardson breaks down why this isn’t just noise — it’s a fiscal wake-up call. From soaring Treasury
- [How we bought a $3M home for only $850K](https://pacificcapital.com/19137-2/) - May 21, 2025 One of the best decisions I made for my family came from taking action in an uncertain time. (And it’s got nothing to do with me playing pickleball with Jamie Foxx at his house). Most people wait until they have full "clarity" before making a big move. But clarity doesn't come from
- [Rethinking Traditional Retirement: How Leaders Can Find Freedom](https://pacificcapital.com/rethinking-traditional-retirement-how-leaders-can-find-freedom/) - Is the traditional idea of retirement outdated? In this thought-provoking Forbes piece, Chad Willardson challenges the old-school notion of quitting work entirely. Instead, he offers a modern take: retirement isn't an end—it's a pivot. With longer lifespans, evolving work environments, and shifting values, today’s leaders crave more than just leisure—they seek purpose, flexibility, and true
- [If you wait, you’ll be too late](https://pacificcapital.com/if-you-wait-youll-be-too-late/) - March 19, 2025 Last month, my wife spent 8 hours on jury duty. 2 of those were spent on a lunch break for the govt employees...Yes, 2 hours. 🙄And the rest? Sitting and waiting! In the end, she was told, “Go home, come back in April.” There goes 8 hours of her life that she’ll never get
- [Why successful people CHASE rejection](https://pacificcapital.com/why-successful-people-chase-rejection/) - March 16, 2025 Success isn’t built on wins. It’s built on “nos.” In 2003, I made hundreds of cold calls every day, only to hear:“Put me on the do-not-call list” or dead silence and a click. Nothing but rejection all day long. Brutal. But looking back, I realize those rejections were the foundation of my future success…
- [The secret to attracting bigger clients](https://pacificcapital.com/the-secret-to-attracting-bigger-clients/) - March 12, 2025 20+ years ago, I remember signing up clients with a $250k deposit… and now at Pacific Capital (our wealth management firm), a typical new client brings $25M to deposit. Here’s what changed and how you can attract higher-value clients, too. When I started in this industry, our minimum standard for new clients
- [4 Sunday habits that keep me sane & sharp](https://pacificcapital.com/4-sunday-habits-that-keep-me-sane-sharp/) - March 09, 2025 For my entire adult life, I’ve followed a foolproof way to: Avoid burnout and exhaustion Recharge my batteries Kick-off every week with high energy It all happens on Sundays. Sundays aren’t just another day for me. They’re sacred and important. A deliberate pause that sets the tone for everything else. Without these 4 things
- [30 years of experience? Who cares](https://pacificcapital.com/30-years-of-experience-who-cares/) - March 05, 2025 If you’ve been doing something for 10, 20, or even 40 years… does that automatically make you great at it? On President’s Day weekend, I realized the answer to that question. We took the family to Park City, Utah, for a ski trip. I’ve been skiing this mountain since I was 4.
- [Stop Trying to Outwork AI — Focus on These Soft Skills That Make You Irreplaceable](https://pacificcapital.com/stop-trying-to-outwork-ai-focus-on-these-soft-skills-that-make-you-irreplaceable/) - Let’s be honest: AI will eliminate jobs. But that’s not the threat, it’s the wake-up call. In a world flooded with automation, the real power lies in doubling down on what makes us uniquely human. In this must-read, Chad WIllardson unpacks why emotional intelligence, clear communication, intentional leadership, and authentic connection aren’t just nice-to-haves—they’re your
- [Jump On These Ways To Earn Passive Income Now — Before It’s Too Late](https://pacificcapital.com/jump-on-these-ways-to-earn-passive-income-now-before-its-too-late/) - These days, a side gig is helpful, but passive income is even better — especially when balancing a full-time job and family. With the current economic shifts and interest rates expected to drop, experts urge action now to take advantage of the best passive income opportunities. Get a High-Yield Account:Put your money to work with
- [ELEVATED: Interview With Founder & President Chad Willardson About the High-Net-Worth Entrepreneur Coaching Community](https://pacificcapital.com/elevated-interview-with-founder-president-chad-willardson-about-the-high-net-worth-entrepreneur-coaching-community/) - In a recent Pulse 2.0 interview, Chad Willardson—Founder and President of ELEVATED and Pacific Capital—shared insights into his mission to help high-net-worth entrepreneurs achieve both financial and lifestyle freedom. After leaving a major Wall Street bank in 2011, Willardson founded Pacific Capital to serve visionary entrepreneurs. His latest venture, ELEVATED, offers a comprehensive coaching program
- [Entrepreneurs Are Ditching Alcohol — Here's Why It's Helping Them Become More Successful](https://pacificcapital.com/entrepreneurs-are-ditching-alcohol-heres-why-its-helping-them-become-more-successful/) - In this insightful Entrepreneur article, Chad Willardson explores the growing movement of sobriety among entrepreneurs and how it’s fueling sharper focus, stronger leadership, and long-term success. Drawing from his own experience—having never consumed alcohol—Willardson explains how ditching alcohol has become a competitive advantage for high performers. He shares insights from events he's hosted without alcohol,
- [Hiring an Executive Coach? Here Are 20 Traits to Look For](https://pacificcapital.com/hiring-an-executive-coach-here-are-20-traits-to-look-for/) - In a fast-paced, ever-evolving business landscape, top leaders are turning to executive coaches to sharpen their skills, challenge their thinking, and elevate their leadership. But not all coaches are created equal—and choosing the right one can make or break the value of that investment. In this Forbes Business Council article, 20 seasoned leaders—including names like
- [Going Beyond Work-Life Balance: How To Fully Invest Yourself In Both](https://pacificcapital.com/going-beyond-work-life-balance-how-to-fully-invest-yourself-in-both/) - ​In his Forbes article, "Going Beyond Work-Life Balance: How To Fully Invest Yourself In Both," Chad Willardson challenges the traditional notion of work-life balance, advocating instead for a holistic integration of professional and personal life. He emphasizes the importance of being fully present in each aspect—whether in client meetings or family dinners—to achieve genuine fulfillment.​
- [The Power of Surrounding Yourself with the Right People](https://pacificcapital.com/the-power-of-surrounding-yourself-with-the-right-people/) - In a recent interview, Chad Willardson, Founder of ELEVATED and Pacific Capital, emphasized the importance of surrounding yourself with ambitious, goal-oriented individuals. He shared how being in the right company has inspired him to set bigger goals and continuously improve. Willardson also highlighted the value of joining communities like ELEVATED, explaining that many professionals lack
- [Retiring in Expensive Areas: A Financial Roadmap for Success](https://pacificcapital.com/retiring-in-expensive-areas-a-financial-roadmap-for-success/) - The article from TheStreet outlines the financial challenges and strategies for retirees considering or already living in expensive areas. It highlights that retirees in high-cost regions face rising living expenses—particularly in housing, healthcare, and everyday services—which can erode fixed incomes over time. The piece details how some individuals are forced to reassess their retirement plans,
- [Entrepreneurs, Stop Putting Your Life on Hold. Here's Why Embracing Joy Fuels Success](https://pacificcapital.com/entrepreneurs-stop-putting-your-life-on-hold-heres-why-embracing-joy-fuels-success/) - ​Entrepreneurs often delay personal joys, thinking they'll indulge after achieving business milestones. However, life is unpredictable, and postponing meaningful experiences can lead to missed opportunities. Balancing professional ambitions with personal fulfillment is crucial; true success encompasses both career achievements and cherished moments with loved ones. Embracing joy now not only enriches life but also fuels
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- [Blunt the e-mail interruption assault](https://pacificcapital.com/blunt-the-e-mail-interruption-assault/) - In today’s workplace, constant interruptions from emails, instant messaging, and digital notifications have created an "interruption epidemic" that’s undermining focus and productivity. On average, office workers lose about 2.1 hours daily to distractions, translating into billions in lost productivity for large companies. Studies show that each time a worker’s attention shifts due to notifications, it
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- [New Year_s Resolutions - are you on track](https://pacificcapital.com/new-year_s-resolutions-are-you-on-track/) - 03-05-2017 - New Year_s Resolutions - are you on track_
- [Whatever your excuse is, it won_t matter](https://pacificcapital.com/whatever-your-excuse-is-it-won_t-matter/) - 03-12-2017 - Whatever your excuse is, it won_t matter
- [On Working With Clients Who Don’t Meet Asset Minimums](https://pacificcapital.com/on-working-with-clients-who-dont-meet-asset-minimums/) - Some financial advisors set asset minimums for new clients, which can make it challenging for those just starting to grow their wealth to receive guidance. However, many advisors recognize the importance of serving clients at all stages of wealth building. Strategies include offering educational resources, virtual consultations, and tiered service models that allow advisors to
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- [I see people taking off their life jackets](https://pacificcapital.com/i-see-people-taking-off-their-life-jackets/) - 09-05-2018 - I see people taking off their lifejackets
- [Daddy, are you a fireman or a policeman](https://pacificcapital.com/daddy-are-you-a-fireman-or-a-policeman/) - 09-13-2018 - _Daddy, are you a fireman or a policeman__
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- [What if you never had to worry about money again](https://pacificcapital.com/what-if-you-never-had-to-worry-about-money-again/) - 11-01-2018 - What if you never had to worry about money again_
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- [when things get wild in the markets](https://pacificcapital.com/when-things-get-wild-in-the-markets/) - 12-20-2018 - when things get wild in the markets
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- [How a 2-year old birthday party changed my career](https://pacificcapital.com/how-a-2-year-old-birthday-party-changed-my-career/) - 03-08-2019 - How a 2-year old birthday party changed my career
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- [7 Big Changes in new RetirementTax Law](https://pacificcapital.com/7-big-changes-in-new-retirementtax-law/) - 02-13-2020 - 7 Big Changes in new RetirementTax Law
- [Markets crashing - what do you do](https://pacificcapital.com/markets-crashing-what-do-you-do/) - 02-27-2020 - Markets crashing - what do you do_
- [5 trending google searches + guidance for investment success](https://pacificcapital.com/5-trending-google-searches-guidance-for-investment-success/) - 03-25-2020 - 5 trending google searches + guidance for investment success
- [Important money-saving tips for your family and business](https://pacificcapital.com/important-money-saving-tips-for-your-family-and-business/) - 04-06-2020 - Important money-saving tips for your family and business
- [A pirate that squandered all his gold](https://pacificcapital.com/a-pirate-that-squandered-all-his-gold/) - 04-09-2020 - A pirate that squandered all his gold
- [Financial security_ now top of mind](https://pacificcapital.com/financial-security_-now-top-of-mind/) - 04-16-2020 - _Financial security_ now top of mind
- [17 Quick Tips to Boost Your Personal Health Today](https://pacificcapital.com/17-quick-tips-to-boost-your-personal-health-today/) - 04-22-2020 - 17 Quick Tips to Boost Your Personal Health Today
- [Beware of fake fortune tellers](https://pacificcapital.com/beware-of-fake-fortune-tellers/) - 04-24-2020 - Beware of fake fortune tellers
- [Undisciplined advisors & undisciplined investors just got exposed](https://pacificcapital.com/undisciplined-advisors-undisciplined-investors-just-got-exposed/) - 05-01-2020 - Undisciplined advisors & undisciplined investors just got exposed
- [Wake-up call right before their European vacation!](https://pacificcapital.com/wake-up-call-right-before-their-european-vacation/) - 05-05-2020 - Wake-up call right before their European vacation!
- [What if you just missed 25 days in 50 years](https://pacificcapital.com/what-if-you-just-missed-25-days-in-50-years/) - 05-12-2020 - What if you just missed 25 days in 50 years_
- [DELETE THIS if you love to pay taxes](https://pacificcapital.com/delete-this-if-you-love-to-pay-taxes/) - 05-15-2020 - DELETE THIS if you love to pay taxes
- [The 1 KEY HABIT to becoming wealthy](https://pacificcapital.com/the-1-key-habit-to-becoming-wealthy/) - 05-19-2020 - the 1 KEY HABIT to becoming wealthy
- [At least do this ONE thing this weekend](https://pacificcapital.com/at-least-do-this-one-thing-this-weekend/) - 05-22-2020 - At least do this ONE thing this weekend
- [My wife does not want to attend my birthday party](https://pacificcapital.com/my-wife-does-not-want-to-attend-my-birthday-party/) - 06-02-2020 - My wife does not want to attend my birthday partyDownload
- [All the chicken littles were wrong](https://pacificcapital.com/all-the-chicken-littles-were-wrong/) - 06-10-2020 - All the chicken littles were wrong
- [If you think the market is too high](https://pacificcapital.com/if-you-think-the-market-is-too-high/) - 06-10-2020 - If you think the market is _too high_
- [1 KEY TIP to avoid raising spoiled kids](https://pacificcapital.com/1-key-tip-to-avoid-raising-spoiled-kids/) - 06-16-2020 - 1 KEY TIP to avoid raising spoiled kids
- [How will you finish your 2nd half](https://pacificcapital.com/how-will-you-finish-your-2nd-half/) - 07-01-2020 - How will you finish your 2nd half_
- [Celebrate America_ Insights on $$, BBQ and July 4th!](https://pacificcapital.com/celebrate-america_-insights-on-bbq-and-july-4th/) - 07-04-2020 - Celebrate America_ Insights on $$, BBQ and July 4th!
- [Don_t get ripped off in the biggest deal of your life](https://pacificcapital.com/don_t-get-ripped-off-in-the-biggest-deal-of-your-life/) - 07-08-2020 - Don_t get ripped off in the biggest deal of your life
- [One investor mindset that will COST you money](https://pacificcapital.com/one-investor-mindset-that-will-cost-you-money/) - 07-08-2020 - One investor mindset that will COST you money
- [How much money do you need to be _wealthy](https://pacificcapital.com/how-much-money-do-you-need-to-be-_wealthy/) - 07-22-2020 - How much money do you need to be _wealthy__
- [My teenage daughter and I chose to be _unpopular](https://pacificcapital.com/my-teenage-daughter-and-i-chose-to-be-_unpopular/) - 07-28-2020 - My teenage daughter and I chose to be _unpopular_
- [Remember what is was like to book a plane ticket](https://pacificcapital.com/remember-what-is-was-like-to-book-a-plane-ticket/) - 07-31-2020 - Remember what is was like to book a plane ticket_
- [Investment tips learned from my kids_ cooking during CV-19](https://pacificcapital.com/investment-tips-learned-from-my-kids_-cooking-during-cv-19/) - 08-04-2020 - Investment tips learned from my kids_ cooking during CV-19
- [About half of the country needs to listen to this](https://pacificcapital.com/about-half-of-the-country-needs-to-listen-to-this/) - 08-06-2020 - About half of the country needs to listen to this
- [You don_t need a reason to help people](https://pacificcapital.com/you-don_t-need-a-reason-to-help-people/) - 08-14-2020 - You don_t need a reason to help people
- [Brushing your teeth once a week for 37 minutes](https://pacificcapital.com/brushing-your-teeth-once-a-week-for-37-minutes/) - 08-18-2020 - Brushing your teeth once a week for 37 minutes__
- [Biden_s tax hike proposals!! If you high taxes, DELETE this](https://pacificcapital.com/biden_s-tax-hike-proposals-if-you-high-taxes-delete-this/) - 08-27-2020 - Biden_s tax hike proposals!! If you high taxes, DELETE this
- [2 new faces at Pacific Capital!! Both All-Stars](https://pacificcapital.com/2-new-faces-at-pacific-capital-both-all-stars/) - 09-08-2020 - 2 new faces at Pacific Capital!! Both All-Stars
- [Take nothing, even your 2 legs for granted](https://pacificcapital.com/take-nothing-even-your-2-legs-for-granted/) - 09-14-2020 - Take nothing, even your 2 legs for granted
- [Stress-Free Wealth Creation with Chad Willardson](https://pacificcapital.com/stress-free-wealth-creation-with-chad-willardson/) - Chad Willardson shares his approach to building wealth without the stress that often accompanies financial planning. His philosophy emphasizes clear goal-setting, disciplined investing, and a focus on long-term security over quick gains. Willardson encourages strategies that reduce financial anxiety, like prioritizing assets that generate steady income, practicing patience with investments, and diversifying to mitigate risk.
- [Stress-Free Wealth Creation with Chad Willardson](https://pacificcapital.com/stress-free-wealth-creation-with-chad-willardson-2/) - In his approach to wealth creation, Chad Willardson emphasizes simplicity, discipline, and strategic planning. He advocates for building wealth by focusing on long-term investments rather than quick, risky gains, aiming for consistent, stress-free financial growth. Willardson’s method prioritizes diversification, goal setting, and consistent saving as ways to reduce anxiety around money. His advice empowers individuals
- [Investment warning regarding the election](https://pacificcapital.com/investment-warning-regarding-the-election/) - 10-14-2020 - Investment warning regarding the election
- [8 Books to Help You Find Financial Bliss](https://pacificcapital.com/8-books-to-help-you-find-financial-bliss/) - For anyone looking to improve their financial life, reading books by experts can provide valuable insights and practical steps. Here are eight books that can guide you toward financial stability and success: "Rich Dad Poor Dad" by Robert Kiyosaki: Offers lessons on wealth-building and financial independence through contrasting perspectives on money. "The Total Money Makeover"
- [Dad, is the election done yet_](https://pacificcapital.com/dad-is-the-election-done-yet_/) - 11-10-2020 - _Dad, is the election done yet__
- [44 million Americans are dealing with this challenge](https://pacificcapital.com/44-million-americans-are-dealing-with-this-challenge/) - 11-16-2020 - 44 million Americans are dealing with this challenge
- [Why should I invest at all-time highs_](https://pacificcapital.com/why-should-i-invest-at-all-time-highs_/) - 11-27-2020 - Why should I invest at all-time highs_
- [Packing for a big vacation with 4 major problems](https://pacificcapital.com/packing-for-a-big-vacation-with-4-major-problems/) - 12-03-2020 - Packing for a big vacation with 4 major problems
- [Increase your happiness & inspiration with one simple method](https://pacificcapital.com/increase-your-happiness-inspiration-with-one-simple-method/) - 12-08-2020 - Increase your happiness & inspiration with one simple method
- [5 quick year-end TAX TIPS for 2020!](https://pacificcapital.com/5-quick-year-end-tax-tips-for-2020/) - 12-14-2020 - 5 quick year-end TAX TIPS for 2020!
- [2020 family & team pictures](https://pacificcapital.com/2020-family-team-pictures/) - 12-22-2020 - 2020 family & team pictures
- [Cash is TRASH](https://pacificcapital.com/cash-is-trash/) - 01-08-2021 - Cash is TRASH
- [These 3 are NOT secretaries!](https://pacificcapital.com/these-3-are-not-secretaries-2/) - 01-15-2021 - These 3 are NOT secretaries!
- [Politics & Investing](https://pacificcapital.com/politics-investing/) - 01-20-2021 - Politics & Investing
- [2 record breaking charts (nobody could_ve predicted this)](https://pacificcapital.com/2-record-breaking-charts-nobody-could_ve-predicted-this/) - 01-25-2021 - 2 record breaking charts (nobody could_ve predicted this)
- [21 Books To Read In 2021](https://pacificcapital.com/21-books-to-read-in-2021/) - Forbes has compiled a list of must-read books for 2021, covering a range of genres and themes to inspire, educate, and entertain. These books include personal growth classics, business insights, and fiction, catering to readers looking to improve themselves or expand their knowledge. Notable titles include insights on leadership, strategies for success, and personal finance
- [Brutal fact_ Nobody is coming to bail you out!](https://pacificcapital.com/brutal-fact_-nobody-is-coming-to-bail-you-out/) - 01-29-2021 - Brutal fact_ Nobody is coming to bail you out!
- [Forbes said what](https://pacificcapital.com/forbes-said-what/) - 02-05-2021 - Forbes said what__
- [One new habit will bring you the future life you want!](https://pacificcapital.com/one-new-habit-will-bring-you-the-future-life-you-want/) - 02-10-2021 - One new habit will bring you the future life you want!
- [You might be throwing away extra money to taxes.](https://pacificcapital.com/you-might-be-throwing-away-extra-money-to-taxes/) - 02-10-2021 - You might be throwing away extra money to taxes.
- [Stock market volatility & 2 risks you better avoid](https://pacificcapital.com/stock-market-volatility-2-risks-you-better-avoid/) - 02-12-2021 - Stock market volatility & 2 risks you better avoid
- [10X more likely than death by CV-19. Not about money today](https://pacificcapital.com/10x-more-likely-than-death-by-cv-19-not-about-money-today/) - 02-15-2021 - 10X more likely than death by CV-19. Not about money today
- [The 12 Biggest Things We Procrastinate](https://pacificcapital.com/the-12-biggest-things-we-procrastinate/) - 02-15-2021 - The 12 Biggest Things We Procrastinate
- [My mtg. with an NFL star right before his big payday](https://pacificcapital.com/my-mtg-with-an-nfl-star-right-before-his-big-payday/) - 02-24-2021 - My mtg. with an NFL star right before his big payday
- [Bigger than Money_ your health and your wealth](https://pacificcapital.com/bigger-than-money_-your-health-and-your-wealth/) - 03-02-2021 - Bigger than Money_ your health and your wealth
- [3 Tips to Safeguard Your Family_s Finances](https://pacificcapital.com/3-tips-to-safeguard-your-family_s-finances/) - 03-04-2021 - 3 Tips to Safeguard Your Family_s Finances
- [10 Lessons I_ve learned as an Entrepreneur](https://pacificcapital.com/10-lessons-i_ve-learned-as-an-entrepreneur/) - 03-09-2021 - 10 Lessons I_ve learned as an Entrepreneur
- [One way the educational system fails our kids](https://pacificcapital.com/one-way-the-educational-system-fails-our-kids/) - 03-15-2021 - One way the educational system fails our kids
- [5 mindset shifts you need for financial SUCCESS](https://pacificcapital.com/5-mindset-shifts-you-need-for-financial-success/) - 03-18-2021 - 5 mindset shifts you need for financial SUCCESS
- [We_re all tempted by this. And it's dangerous financially](https://pacificcapital.com/we_re-all-tempted-by-this-and-its-dangerous-financially/) - 03-24-2021 - We_re all tempted by this. And it_s dangerous financially
- [It_s time for an UPGRADE](https://pacificcapital.com/it_s-time-for-an-upgrade/) - 04-02-2021 - It_s time for an UPGRADE
- [Procrastination is a GIFT](https://pacificcapital.com/procrastination-is-a-gift/) - 04-07-2021 - Procrastination is a GIFT
- [High gov_t spending borrowing has consequences](https://pacificcapital.com/high-gov_t-spending-borrowing-has-consequences/) - 04-13-2021 - High gov_t spendingborrowing has consequences
- [Your cell phone replaced almost everything](https://pacificcapital.com/your-cell-phone-replaced-almost-everything/) - 04-21-2021 - Your cell phone replaced almost everything
- [A 250_ increase for inflation must be planned for](https://pacificcapital.com/a-250_-increase-for-inflation-must-be-planned-for/) - 04-26-2021 - a 250_ increase for inflation must be planned for
- [This is the biggest financial risk to plan for](https://pacificcapital.com/this-is-the-biggest-financial-risk-to-plan-for/) - 04-30-2021 - THIS is the biggest financial risk to plan for
- [I bet you need more LEGS](https://pacificcapital.com/i-bet-you-need-more-legs/) - 05-04-2021 - I bet you need more LEGS
- [Big opportunities before Biden_s tax plan is confirmed](https://pacificcapital.com/big-opportunities-before-biden_s-tax-plan-is-confirmed/) - 05-06-2021 - Big opportunities before Biden_s tax plan is confirmed
- [My dad retired last Friday!!](https://pacificcapital.com/my-dad-retired-last-friday/) - 05-11-2021 - My dad retired last Friday!!
- [July 1st Price Change for PACIFIC CAPITAL. PLEASE READ](https://pacificcapital.com/july-1st-price-change-for-pacific-capital-please-read/) - 05-13-2021 - July 1st Price Change for PACIFIC CAPITAL. PLEASE READ
- [TOP 5 Trending Google Searches_ beginning of COVID](https://pacificcapital.com/top-5-trending-google-searches_-beginning-of-covid/) - 05-18-2021 - TOP 5 Trending Google Searches_ beginning of COVID
- [How CONNECT FOUR is like financial planning](https://pacificcapital.com/how-connect-four-is-like-financial-planning/) - 05-21-2021 - How CONNECT FOUR is like financial planning
- [My daughter broke an all-time HS record this week](https://pacificcapital.com/my-daughter-broke-an-all-time-hs-record-this-week/) - 05-21-2021 - My daughter broke an all-time HS record this week
- [A SPECIAL Happy 125th Birthday!!](https://pacificcapital.com/a-special-happy-125th-birthday/) - 05-27-2021 - A SPECIAL Happy 125th Birthday!!
- [Meet our 4 new team members!!](https://pacificcapital.com/meet-our-4-new-team-members/) - 06-01-2021 - Meet our 4 new team members!!
- [Sheesh, some people can be mean!!](https://pacificcapital.com/sheesh-some-people-can-be-mean/) - 06-04-2021 - Sheesh, some people can be mean!!
- [Today_s economic report (THE Silent Wealth Killer)](https://pacificcapital.com/today_s-economic-report-the-silent-wealth-killer/) - 06-10-2021 - Today_s economic report (THE _Silent Wealth Killer_)
- [Are you prepared for rising rates](https://pacificcapital.com/are-you-prepared-for-rising-rates/) - 06-18-2021 - Are you prepared for rising rates__
- [The world needs loving fathers](https://pacificcapital.com/the-world-needs-loving-fathers/) - 06-20-2021 - The world needs loving fathers
- [It_s okay to struggle. I was dead broke](https://pacificcapital.com/it_s-okay-to-struggle-i-was-dead-broke/) - 06-28-2021 - It_s okay to struggle. I was dead broke
- [Why I love America](https://pacificcapital.com/why-i-love-america/) - 07-05-2021 - I love America
- [I love America](https://pacificcapital.com/i-love-america/) - 07-05-2021 - I love America
- [8 Different Ways To Earn Income $$](https://pacificcapital.com/8-different-ways-to-earn-income/) - 07-19-2021 - 8 Different Ways To Earn Income $$
- [7 quick tips for selling a business $$](https://pacificcapital.com/7-quick-tips-for-selling-a-business-2/) - 07-27-2021 - 7 quick tips for selling a business $$
- [6 takeaways from my recent dinner with a billionaire](https://pacificcapital.com/6-takeaways-from-my-recent-dinner-with-a-billionaire/) - 07-29-2021 - 6 takeaways from my recent dinner with a billionaire
- [10 Best Places to Hide Valuables in your Home](https://pacificcapital.com/10-best-places-to-hide-valuables-in-your-home/) - 08-04-2021 - 10 Best Places to Hide Valuables in your Home
- [Big News! Our family is expanding!](https://pacificcapital.com/big-news-our-family-is-expanding/) - 08-11-2021 - Big News! Our family is expanding!
- [7 Ways Long-Term Marriage is like Long-Term Investing](https://pacificcapital.com/7-ways-long-term-marriage-is-like-long-term-investing/) - 08-25-2021 - 7 Ways Long-Term Marriage is like Long-Term Investing
- [TODAY is the BIG DAY!](https://pacificcapital.com/today-is-the-big-day/) - 09-14-2021 - TODAY is the BIG DAY!
- [94_ discount expires in 3 days!](https://pacificcapital.com/94_-discount-expires-in-3-days/) - 09-17-2021 - 94_ discount expires in 3 days!
- [I am not saying _I told you so!!but](https://pacificcapital.com/i-am-not-saying-_i-told-you-sobut/) - 09-30-2021 - I am not saying _I told you so!!but
- [Finalists announced for 2021 Spirit of the Entrepreneur Awards, celebrating a new era of innovation](https://pacificcapital.com/finalists-announced-for-2021-spirit-of-the-entrepreneur-awards-celebrating-a-new-era-of-innovation/) - The Inland Empire Center for Entrepreneurship (IECE) at California State University, San Bernardino, has revealed the finalists for the 2021 Spirit of the Entrepreneur Awards. Selected from over 250 nominees, 27 entrepreneurs will compete across six categories, including healthcare, manufacturing, and general entrepreneurship. The winners will be honored at the annual black-tie gala on November
- [I just helped save our city taxpayers $166 MILLION](https://pacificcapital.com/i-just-helped-save-our-city-taxpayers-166-million/) - 10-07-2021 - I just helped save our city taxpayers $166 MILLION
- [This is how your brain sabotages your happiness](https://pacificcapital.com/this-is-how-your-brain-sabotages-your-happiness/) - Our brains are wired in ways that can sometimes work against our own happiness. This article explores common cognitive traps that affect well-being, such as overthinking, negative bias, and the tendency to focus on what’s missing instead of what we have. These patterns can make it challenging to experience contentment, even when life is going
- [1939 to 1980 = 1980 to 2021](https://pacificcapital.com/1939-to-1980-1980-to-2021/) - 10-19-2021 - 1939 to 1980 = 1980 to 2021
- [(PICS) Could_ve lost my wifedaughter in car accident](https://pacificcapital.com/pics-could_ve-lost-my-wifedaughter-in-car-accident/) - 11-02-2021 - (PICS) Could_ve lost my wifedaughter in car accident
- [Who has keys to your house](https://pacificcapital.com/who-has-keys-to-your-house/) - 11-10-2021 - Who has keys to your house
- [The Problem with Kids’ Allowances (And What to Do Instead)](https://pacificcapital.com/the-problem-with-kids-allowances-and-what-to-do-instead/) - Many experts argue that traditional allowances may not teach kids the right financial values. Simply giving children money each week without a connection to work or responsibility can create unrealistic expectations about money. Instead, some recommend linking allowances to tasks or projects, helping children understand the connection between effort and income. Another approach is to
- [Red Carpet pics with our team](https://pacificcapital.com/red-carpet-pics-with-our-team/) - 11-18-2021 - Red Carpet pics with our team
- [Personal team video recipes, tips, traditions](https://pacificcapital.com/personal-team-video-recipes-tips-traditions/) - 11-23-2021 - Personal team video recipes, tips, traditions
- [Parenting advice from someone without kids__](https://pacificcapital.com/parenting-advice-from-someone-without-kids__/) - 11-30-2021 - Parenting advice from someone without kids__
- [Don_t wait until 2022 to check on this! (VIDEO)](https://pacificcapital.com/don_t-wait-until-2022-to-check-on-this-video/) - 12-07-2021 - Don_t wait until 2022 to check on this! (VIDEO)
- [A special Merry Christmas message to you (VIDEO)](https://pacificcapital.com/a-special-merry-christmas-message-to-you-video/) - 12-22-2021 - A special Merry Christmas message to you (VIDEO)
- [1 Tip to Reach Your Goals, 20 Yr Wedding Anniversary!](https://pacificcapital.com/1-tip-to-reach-your-goals-20-yr-wedding-anniversary/) - 12-29-2021 - 1 Tip to Reach Your Goals, 20 Yr Wedding Anniversary!
- [CRISIS EQUALS OPPORTUNITIES](https://pacificcapital.com/crisis-equals-opportunities/) - 02-03-2022 - CRISIS EQUALS OPPORTUNITIES
- [IMPORTANT_ Russia war, Stock Market, etc](https://pacificcapital.com/important_-russia-war-stock-market-etc/) - 02-24-2022 - IMPORTANT_ Russia war, Stock Market, etc
- [Make Your Kids Millionaires_ (Financial Literacy Mission)](https://pacificcapital.com/make-your-kids-millionaires_-financial-literacy-mission/) - 03-23-2022 - Make Your Kids Millionaires_ (Financial Literacy Mission)
- [Got a SIX FIGURE tax refund for a new client!](https://pacificcapital.com/got-a-six-figure-tax-refund-for-a-new-client/) - 04-07-2022 - Got a SIX FIGURE tax refund for a new client!
- [What_s up with the stock market lately](https://pacificcapital.com/what_s-up-with-the-stock-market-lately/) - 04-27-2022 - What_s up with the stock market lately_
- [The markets & Bill Murray in Groundhog Day](https://pacificcapital.com/the-markets-bill-murray-in-groundhog-day/) - 05-11-2022 - The markets & Bill Murray in Groundhog Day
- [Missing 4 days is missing everything!](https://pacificcapital.com/missing-4-days-is-missing-everything/) - 05-26-2022 - missing 4 days is missing everything!
- [Nobody wants SPOILED kids](https://pacificcapital.com/nobody-wants-spoiled-kids/) - 05-31-2022 - Nobody wants SPOILED kids
- [Increase health, wealth, energy & freedom!](https://pacificcapital.com/increase-health-wealth-energy-freedom/) - 06-08-2022 - Increase health, wealth, energy & freedom!
- [How high is actual inflation_ What should you do](https://pacificcapital.com/how-high-is-actual-inflation_-what-should-you-do/) - 06-24-2022 - How high is actual inflation_ What should you do_
- [Travel Agents, Sharks, Financial Advisors](https://pacificcapital.com/travel-agents-sharks-financial-advisors/) - 07-01-2022 - Travel Agents, Sharks, Financial Advisors
- [7 quick tips for selling a business!](https://pacificcapital.com/7-quick-tips-for-selling-a-business/) - 07-21-2022 - 7 quick tips for selling a business!
- [Why do you want more money](https://pacificcapital.com/why-do-you-want-more-money/) - 08-10-2022 - Why do you want more money_
- [This added _ $100 Million to our client_s business!](https://pacificcapital.com/this-added-_-100-million-to-our-client_s-business/) - 08-16-2022 - This added _ $100 Million to our client_s business!
- [10 Ways to Prevent Money From Ruining Your Marriage](https://pacificcapital.com/10-ways-to-prevent-money-from-ruining-your-marriage/) - 09-06-2022 - 10 Ways to Prevent Money From Ruining Your Marriage
- [3 Myths about TAXES!](https://pacificcapital.com/3-myths-about-taxes/) - 09-13-2022- 3 Myths about TAXES!
- [Huge $$$ opportunity for business owners](https://pacificcapital.com/huge-opportunity-for-business-owners/) - 09-19-2022 - Huge $$$ opportunity for business owners
- [Top 5 retirement planning mistakes!](https://pacificcapital.com/top-5-retirement-planning-mistakes/) - 09-22-2022 - Top 5 retirement planning mistakes!
- [Avoid the 6 major recession traps!](https://pacificcapital.com/avoid-the-6-major-recession-traps/) - 09-26-2022 - Avoid the 6 major recession traps!
- [RAISED $4M. Tim Tebow. Great people, great cause](https://pacificcapital.com/raised-4m-tim-tebow-great-people-great-cause/) - 10-03-2022 - RAISED $4M. Tim Tebow. Great people, great cause
- [Maximize the value before selling!](https://pacificcapital.com/maximize-the-value-before-selling/) - 10-06-2022 - Maximize the value before selling!
- [5 ways to help your kids be smart, not spoiled](https://pacificcapital.com/5-ways-to-help-your-kids-be-smart-not-spoiled/) - 10-10-2022 - 5 ways to help your kids be smart, not spoiled
- [11 Different Investments (to keep variety) During Recession](https://pacificcapital.com/11-different-investments-to-keep-variety-during-recession/) - 10-13-2022 - 11 Different Investments (to keep variety) During Recession
- [If you are older than 55, read this email](https://pacificcapital.com/if-you-are-older-than-55-read-this-email/) - 10-17-2022 - If you are older than 55, read this email
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- [Beyond the Money](https://pacificcapital.com/beyond-the-money/) - Chad Willardson's Beyond the Money offers invaluable advice for entrepreneurs looking to find purpose beyond financial success. This book goes beyond typical financial planning, addressing essential aspects of life for those who have already achieved wealth, such as building meaningful relationships, investing in health, practicing delegation, and finding fulfillment through purpose-driven goals. Willardson’s insights include balancing personal
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- [7 common ways a divorce can change your personal finances](https://pacificcapital.com/7-common-ways-a-divorce-can-change-your-personal-finances/) - Divorce can be a costly process, impacting finances in ways that go beyond just legal fees. Some of the typical expenses include attorney fees, court costs, and mediation services, which can add up quickly depending on the complexity of the case. Beyond the legal side, there are also financial adjustments like dividing assets, refinancing mortgages,
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- [Are You Raising Money-Smart, Entrepreneurial Children? These Best Practices Can Help](https://pacificcapital.com/are-you-raising-money-smart-entrepreneurial-children-these-best-practices-can-help/) - Discussing money openly with children can prepare them for financial independence. Chad Willardson advises parents to help kids learn by setting up accounts, paying them for extra work, encouraging side hustles, and teaching money management methods like the 50/30/20 rule. Involving kids in planning and showing them real-world financial responsibilities fosters lifelong skills. By modeling
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- [I quit Merrill Lynch to start my own business. Leaving a 7-figure income and cushy corporate perks was hard, but I don't regret it.](https://pacificcapital.com/i-quit-merrill-lynch-to-start-my-own-business-leaving-a-7-figure-income-and-cushy-corporate-perks-was-hard-but-i-dont-regret-it/) - In 2011, Chad Willardson left a high-paying job at Merrill Lynch to start Pacific Capital, a wealth management firm focused on entrepreneurs. Despite the perks and stability of a Wall Street role, Willardson grew frustrated with corporate bureaucracy and a lack of control over his client services. Taking a major risk, he left the corporate
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- [Can you lose money in a high-yield savings account?](https://pacificcapital.com/can-you-lose-money-in-a-high-yield-savings-account/) - High-yield savings accounts offer a safe and accessible way to grow your savings, often providing significantly higher interest rates than traditional savings accounts. While the principal is usually secure—thanks to FDIC insurance—certain scenarios can erode your earnings: Fees: Maintenance, transaction, or minimum balance fees can reduce your overall balance. Inflation: If inflation outpaces the account’s
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- [Six Financial Best Practices For Business Leaders](https://pacificcapital.com/six-financial-best-practices-for-business-leaders/) - In business, financial strategy should never be an afterthought. This article highlights six enduring financial principles that every leader can benefit from: diversify income streams, commit to savings, resist lifestyle inflation, maintain a growth mindset, avoid comparisons, and steer clear of “bad” debt. Each principle, rooted in decades of experience with high-growth entrepreneurs, offers valuable
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- [How does a Roth IRA grow?](https://pacificcapital.com/how-does-a-roth-ira-grow/) - A Roth IRA is a popular retirement savings account that offers unique tax advantages, allowing your investments to grow tax-free over time. Unlike traditional IRAs, contributions to a Roth IRA are made with after-tax dollars, so you won’t pay taxes on qualified withdrawals in retirement. Here’s how growth happens within a Roth IRA: Through a
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- [How Long Will $1 Million Last Me in Retirement?](https://pacificcapital.com/how-long-will-1-million-last-me-in-retirement/) - With inflation and rising costs, knowing how long retirement savings can last is more crucial than ever. In the second quarter of 2024, the number of retirement millionaires grew—401(k) millionaires increased by 2.5%, and IRA millionaires rose by 6%, reflecting Fidelity’s latest data. However, high inflation and healthcare costs are significant concerns for retirees, making
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- [How The Freedom Entrepreneur Chad Willardson Approaches Financial Design](https://pacificcapital.com/how-the-freedom-entrepreneur-chad-willardson-approaches-financial-design/) - Chad Willardson, known as the “Freedom Entrepreneur,” takes an innovative approach to financial design, balancing wealth management with personal freedom. He defines a “freedom-centric” lifestyle as one that allows flexibility and meaningful experiences. His "financial life inspection" process at Pacific Capital gives clients a comprehensive view of their finances, aligning strategies with individual goals. Willardson
- [Top 10 CEOs to Follow on LinkedIn in 2025](https://pacificcapital.com/top-10-ceos-to-follow-on-linkedin-in-2025/) - [et_pb_section admin_label="section"] [et_pb_row admin_label="row"] [et_pb_column type="4_4"][et_pb_text admin_label="Text"] In today's digital age, LinkedIn has evolved into a vital platform for networking and professional growth. Following influential CEOs can provide invaluable insights into leadership, innovation, and industry trends. Grit Daily's recent article, "Top 10 CEOs to Follow on LinkedIn in 2025," highlights leaders who are making significant
- [How to capture exponential growth](https://pacificcapital.com/how-to-capture-exponential-growth/) - 11-24-2024 - How to capture exponential growth
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- [The biggest lie in business](https://pacificcapital.com/the-biggest-lie-in-business/) - Copy of 12-08-2024 - The biggest lie in business
- [Your Pointless Micromanaging Is Costing Your Business Millions – Here Are 5 Ways to Fix It](https://pacificcapital.com/your-pointless-micromanaging-is-costing-your-business-millions-here-are-5-ways-to-fix-it/) - Micromanagement could be the bottleneck holding your business back. In this insightful article, Chad Willardson shares five key strategies to empower your team, stop hovering, and create sustainable growth: Hire A+ Players: Build a team of self-starters who own their responsibilities and drive results without constant oversight. Delegate Effectively: Set clear expectations, provide resources, and
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- [Building a Resilient Retirement: 5 Habits of the Wealthy](https://pacificcapital.com/building-a-resilient-retirement-5-habits-of-the-wealthy/) - Planning for a secure retirement is essential, and adopting effective financial habits can make a significant difference. Here are five key practices commonly observed among the wealthy: Prioritize Savings: Consistently setting aside a portion of income for savings is crucial. Automating contributions to retirement accounts ensures regular savings without the temptation to spend. Diversify Investments:
- [True wealth isn't in the bank.](https://pacificcapital.com/true-wealth-isnt-in-the-bank/) - 12-18-2024 - True wealth isn't in the bank
- [5 Steps To Transform Your Mindset And Create Rapid Business Growth](https://pacificcapital.com/5-steps-to-transform-your-mindset-and-create-rapid-business-growth/) - In the Forbes Business Council article "5 Steps to Transform Your Mindset and Create Rapid Business Growth," the author outlines a strategic approach for entrepreneurs aiming to accelerate their business success. The five key steps include: Embrace a Growth Mindset: Cultivate the belief that abilities and intelligence can be developed through dedication and hard work.
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- [Hit your 2025 goals with this 20-min exercise](https://pacificcapital.com/hit-your-2025-goals-with-this-20-min-exercise/) - 01-01-2025 - Hit your 2025 goals with this 20-min exercise
- [The legacy I want my kids to continue.](https://pacificcapital.com/the-legacy-i-want-my-kids-to-continue/) - 01-05-2025 - The legacy I want my kids to continue
- [Want to retire early and wealthy](https://pacificcapital.com/__trashed/) - 01-08-2025 -Want to retire early and wealthy_
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- [[New HQ Reveal] Had to pinch myself](https://pacificcapital.com/new-hq-reveal-had-to-pinch-myself/) - 01-26-2025 -[New HQ Reveal] Had to pinch myself
- [3 "hot" industries to AVOID](https://pacificcapital.com/3-hot-industries-to-avoid/) - 01-30-2025 - 3 hot industries to AVOID
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- [Chad Willardson’s Masterclass Recap: AI, Financial Freedom & Team Building Tips](https://pacificcapital.com/chad-willardsons-masterclass-recap-ai-financial-freedom-team-building-tips/) - Financial expert Chad Willardson recently led a five-hour masterclass through Platinum ELEVATED, sharing insights on AI integration, advanced tax planning, financial freedom, team building, and mindset growth. Joined by tax expert Tom Wheelwright and AI specialist Lior Weinstein, the session provided practical strategies for navigating the modern business world. Willardson emphasized a well-rounded approach to
- [After the LA Fires, Pacific Capital Urges Entrepreneurs and the Public to Strengthen Their Protection from Unpredictable Disasters](https://pacificcapital.com/after-the-la-fires-pacific-capital-urges-entrepreneurs-and-the-public-to-strengthen-their-protection-from-unpredictable-disasters/) - In light of the recent Los Angeles wildfires, Pacific Capital's Founder and President, Chad Willardson, emphasizes the critical importance of proactive asset protection for entrepreneurs and the public. He notes that many individuals remain complacent about safeguarding their assets, often unaware of their insurance coverage details. Willardson shares his personal experience of unexpectedly losing home
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- [Three Reasons to Skip the 401(k) Super Catch-Up](https://pacificcapital.com/three-reasons-to-skip-the-401k-super-catch-up/) - The 401(k) super catch-up provision, introduced under the SECURE 2.0 Act, allows individuals aged 60 to 63 to make enhanced catch-up contributions to their retirement plans starting in 2025. While this initiative aims to bolster retirement savings, there are compelling reasons to reconsider utilizing this option: Limited Accessibility: Employers are not mandated to offer the

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- [Pacific Capital Page](https://pacificcapital.com/) - We are an exclusive Family Office for the Entrepreneur with $25M+ who would like a more strategic, concierge approach to managing their wealth and business.
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- [Schedule your Goals Conversation®](https://pacificcapital.com/goals_conversation/) - If you’re an entrepreneur with $25M+ and you’d like a more strategic, concierge approach to managing your wealth and business, it’s time for us talk.
- [Family Office Services](https://pacificcapital.com/family-office-services/) - As a high-net-worth entrepreneur, you deserve a Family Office to coordinate and guide you through the complexities of your financial life.
- [Books (New)](https://pacificcapital.com/books-new/) - As an entrepreneur, you face unique financial challenges, and Chad's books were written specifically for how you earn, invest, and build your life.
- [Josh Coniglio](https://pacificcapital.com/josh-coniglio/) - Josh Coniglio serves as the Managing Wealth Advisor at Pacific Capital, where he works closely with clients to understand their unique priorities.
- [Randy Francis](https://pacificcapital.com/randy-francis/) - Randy Francis, Director of Financial Planning at Pacific Capital.
- [Fully Invested - Book by Chad Willardson](https://pacificcapital.com/fully-invested/) - In Fully Invested, Chad shows you can win big in business and at home, not by splitting your time, but by going all in, 100/100, on what you want.
- [Stress Free Money](https://pacificcapital.com/stress-free-money/) - In Stress Free Money, Chad reveals the 7 obstacles, risks, and mistakes keeping you from financial freedom—and how to overcome them.
- [Wealth Wired Differently](https://pacificcapital.com/wealth-wired-differently/) - Wealth Wired Differently shows entrepreneurs the 7 advantages of financial advice from experts who truly understand their mindset.
- [Fit For Wealth](https://pacificcapital.com/fit-for-wealth/) - Fit for Wealth reveals 7 strategies to optimize health and wealth, showing how physical well-being drives financial success.
- [Smart, Not Spoiled - Book by Chad Willardson](https://pacificcapital.com/smart-not-spoiled/) - Smart, Not Spoiled teaches kids 7 essential money skills, offering tips and strategies to build financial literacy and prepare for lifelong success.
- [Beyond the Money](https://pacificcapital.com/beyond-the-money/) - Beyond the Money shows entrepreneurs how to enjoy wealth, freedom, and fulfillment while aligning life with their true priorities.
- [Oriya Hirschhorn](https://pacificcapital.com/oriya-hirschhorn/) - Oriya has over 20 years of experience as an executive assistant. Before that, she spent 10 years at a private college prep school.
- [Neliza Werka](https://pacificcapital.com/neliza-werka/) - Neliza Becker Werka is the Director of Client Engagement at Pacific Capital.
- [Bruno Krenn](https://pacificcapital.com/bruno-krenn/) - Bruno Krenn serves as an Investment Analyst at Pacific Capital.
- [Katrina Samuel](https://pacificcapital.com/katrina-samuel/) - Client Service Coordinator Katrina Samuel Katrina Samuel serves as a Client Service Coordinator at Pacific Capital, where she plays a vital role in delivering the white glove service that the firm’s family office clients have come to expect. With over a decade of experience in wealth management, including roles serving ultra high net worth families,
- [Aurielle West](https://pacificcapital.com/aurielle-west/) - Wealth Planning Strategist Aurielle West Aurielle West serves as the Wealth Planning Strategist at Pacific Capital, where she plays a critical role in ensuring that every client family’s financial plan moves from strategy to action. Aurielle is the person who drives implementation across each family’s recommendations, coordinates follow through on every planning decision, and keeps
- [Morgan Fippinger](https://pacificcapital.com/morgan-fippinger/) - Morgan Fippinger serves as the Director of Investment Strategy at Pacific Capital, where he implements investment strategies that support client objectives.
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- [SEC Disclosure](https://pacificcapital.com/sec-disclosure/) - SEC Disclosure Pacific Capital is a Registered Investment Adviser (RIA) registered with the U.S. Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training. The information provided herein is for informational purposes only and should not be construed as investment, legal, or tax advice.All investments involve risk, including the
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