Page 2 - FAQ 2023 - PUBLIC FILE

FAQ

Will Pacific Capital do my taxes?

At Pacific Capital, we understand that taxes can be a complex and daunting aspect of financial
management for high-net-worth entrepreneurs. While we do not prepare and draft tax returns
in-house, our team of experts works closely with your tax advisor to develop and implement
high-level, creative tax strategies that help you optimize your financial outcomes. And if you
don't have a trusted tax advisor, we can connect you with our extensive network of partners to
find the right fit for your unique needs.

What bank do you use or who are you affiliated with?

Our independence allows us to act solely in the best interest of our clients, without any external
pressures or affiliations. We work solely for our clients, and have no obligations to big banks or
insurance companies. Currently, we choose to use Charles Schwab as a custodian for client
investment assets, but we don't work for Schwab and are able to make changes to that
relationship if we see it would benefit our clients to do so.

What is the average return on your investments for clients?
We do not offer one-size-fits-all investment options. We are not managing a fund or pooling any
clients' money together. Instead, our team of experts builds personalized investment portfolios for
each client, tailored to their unique financial goals and objectives.

How many financial advisors do you have and who would

be my advisor?
At Pacific Capital, our team-based approach ensures that each client receives comprehensive support
and attention from our entire team of experts, rather than being assigned to a single advisor. Our
firm serves clients with a team-based approach, not an advisor-based approach. As our client, you
will work with a variety of experts at Pacific Capital, and every one who works here works for you.

How many clients do you have?
We pride ourselves on maintaining a select group of clients - less than 100 client households - in
order to ensure that each client receives the personalized attention and expertise they deserve.
We are not a firm with thousands of clients, but rather a dedicated team of experts committed to
serving each client with the utmost attention and care. Because our clients are specifically
entrepreneurs with at least $10 million (and many with much more than this), we are able to keep
our client to professional ratio very low.