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 potential loss of principal. Past performance is not indicative of future results. No client or prospective client should assume that any information presented in this brochure serves as the receipt of, or a substitute for, personalized investment advice from Pacific Capital or any other investment professional. Investment advisory services are offered only through a formal advisory agreement and are subject to applicable regulatory requirements. Before making any investment decision, clients should carefully consider their financial objectives, risk tolerance, and consult with a qualified advisor. For additional information, including fees, services, and disclosures, please refer to our Form ADV Part 2A, available upon request or by visiting the SEC’s website at https://adviserinfo.sec.gov.