Pacific Capital

Chad Willardson is a financial advisor with Pacific Capital in Corona, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Pacific Capital since 2011 and previously spent six years with Gradient Securities, LLC. Willardson also serves as the City Treasurer for Corona, overseeing municipal finances. Pacific Capital provides discretionary investment management and comprehensive financial planning to high-net-worth individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach combining fundamental, technical, and cyclical analysis with option strategies and both long- and short-term trading techniques.

Morgan Fippinger is a CFP® and CFA® professional with nine years of industry experience. He is currently part of the six-advisor team at Pacific Capital in Corona, CA, joining the firm in 2024. Prior to this, he worked at Charles Schwab from 2016 to 2024 and Schwab Wealth Advisory Inc. from 2022 to 2024. Outside of his advisory role, Morgan owns Morgan's Bonsai, a retail business based in San Diego. Pacific Capital provides discretionary investment management and comprehensive financial planning to high-net-worth clients, including individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach that incorporates fundamental, technical, and cyclical analysis, as well as option strategies and trading techniques, managing accounts on a discretionary basis with regular reviews.

Joshua Coniglio is a CFP® and holds a Series 66 license with ten years of industry experience. He has worked at Pacific Capital since 2019 and previously held roles at Coniglio Wealth Management, Sterling Wealth Partners, USA Financial Securities, and C&C Wealth Advisory Group. Outside of his advisory work, he serves as treasurer on the board of the Morgan Square Homeowners Association in Chino, CA. Pacific Capital provides discretionary investment management and comprehensive financial planning to high-net-worth individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach incorporating fundamental, technical, and cyclical analysis, with continuous monitoring and quarterly reviews of client accounts.

Randall Francis is a CFP® with seven years of industry experience, currently serving as an advisor at Pacific Capital since 2020. Prior to joining Pacific Capital, he operated as a sole proprietor and worked at LPL Financial. He has also held roles at Deloitte and Brigham Young University. Pacific Capital provides discretionary investment management and comprehensive financial planning to high-net-worth individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach that incorporates fundamental, technical, and cyclical analysis, managing accounts on a discretionary basis with continuous monitoring and periodic rebalancing.

Bruno Krenn is a financial advisor at Pacific Capital with one year of industry experience. He holds the Series 66 designation and has prior experience with Thrivent Investment Management Inc. Outside of his advisory role, he operates a sole proprietorship as an insurance agent. Pacific Capital provides discretionary investment management and comprehensive financial planning primarily to high-net-worth individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach that incorporates fundamental, technical, and cyclical analysis, managing accounts on a discretionary basis with continuous monitoring and quarterly reviews.