Who We Are

"WE RISE BY LIFTING OTHERS."

Robert Ingersol

INTEGRITY. PROFESSIONALISM. COMMITMENT. SERVICE.

Pacific Capital Resource Group, Inc. (PCRG) exemplifies these four words by doing business with the highest of ethical standards that have allowed PCRG to become a regional leader in financial services and design implementation. With nearly 70 advisors and wealth strategists, PCRG delivers world-class service to thousands of clients nationwide.

Our hope for every one of our clients is that after each meeting, you’ll feel more confident and rest assured that your money is here to be an engine of opportunity.

Chief Executive Officer

Zack AhYat

Chief Executive Officer

Kurt D. Jonson, CLU®, ChFC®, CFP®

kjonson@pcrg.com

After graduating from the business school at Washington State University in 1993 with emphasized studies in Finance and Accounting, Kurt immediately began his career in the financial services industry. He was part of Pacific Capital’s founding group in 1998, and subsequently purchased the firm from its founder in 2000. Today, he is the Chief Executive Officer.

Kurt began his career in management in 1995 after a successful start to building his financial planning practice and has won an International Management Award from GAMA (the management association to the financial services industry) every year since 1998. Pacific Capital as a firm is in GAMA’s Diamond category, which is the top production category GAMA recognizes for its member firms.

Kurt earned the Chartered Financial Consultant’s designation in 1998 and the Chartered Life Underwriter designation 1999 from The American College of Bryn Mawr, Pennsylvania. He became a Certified Financial Planner in 2000.

Kurt is a member of many industry and community associations including GAMA International, National Association for Insurance and Financial Advisors, The Society for Financial Service Professionals, Penn Mutual General Agents Association, GAMA Under 40 Study Group, The Futures Study Group, Bellevue Chamber of Commerce, The Harbor Club, The Bellevue Club, and Bear Creek Country Club.

Over the years, he has developed three other related companies: Advisory Resource Group, LLC, Corporate Benefits Group, LLC, and PCRG Insurance LLC.

Kurt is married and the proud father of three daughters and a son: Rachel, Anna, Christina, and Easton.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

CA Insurance Lic. #0D51414

Vice President / Insurance and Advanced Planning

Zachary A. Meissner, CFP®, MSFS, ChFC®, CLU®, RICP®

zmeissner@pcrg.com

Zach was born and raised in Seattle, Washington and attended the University of Washington Foster School of Business for his undergraduate education. He joined Pacific Capital Resource Group in 2008 and currently serves as Vice President. Zach holds a number of designations for demonstrating in-depth knowledge of complex planning issues including the Chartered Financial Consultant (ChFC^®), Chartered Life Underwriter (CLU^®), and CERTIFIED FINANCIAL PLANNER^TMProfessional (CFP^®). He is a “30 under 30: Millennials in the financial and insurance industries” as selected by LifeHealthPRO Magazine.

Areas of Specialization & Philosophy

Zach’s practice predominantly focuses on serving the needs of affluent business owners through a holistic planning approach that includes tax mitigation, business transition and succession, executive compensation, retirement planning, estate planning, and high net-worth risk management. “Business planning” typically focuses on planning for the employee group through tools such as retirement plans and group benefits; but more often than not, specialized planning for the ownership group is not given the attention it deserves. Many business owners know they eventually need to reap value from the business either along the way or upon eventual sale of the business. Most do not have a plan in place for how best to go about doing this in the most tax efficient manner possible.

Zach works with these business owners focusing primarily on the ability of the owner to extract maximum value from their company through intelligent financial design. Many small business owners spend the majority of time improving the operations side of their company, without ensuring that the financial aspects of things are well structured. This often leaves them exposed to unforeseen risks or leaves them paying more than their fair share in taxes.

With the role of leading Pacific Capital Resource Group’s advanced planning group, Zach’s team focuses on delivering business planning services at the highest tier of knowledge, experience, and service. Comprehensive planning areas include:

Advanced tax efficient wealth building strategies (your 401k is not going to cut it)
Executive benefit planning (selecting and rewarding key employees)
Business transition and estate plan unification
Risk management & premium finance (have the bank pay your insurance premiums)
Business valuation & determining what sale value is necessary for retirement

Personal Interests

Zach has remained active for over a decade with his collegiate fraternity, Sigma Phi Epsilon, serving in a mentorship role for undergraduates on the alumni board. He is also a member of the Free and Accepted Masons of Washington and the University of Washington Alumni Association. Zach pursues a number of other passions, most notably music production, skiing, reading and writing, cheering on the Seahawks and UW Huskies, and adventuring about the world. He is a proud member of the Fred Hutch Innovator’s Network.

CA Insurance Lic. #0D51414

Vice President / Wealth Strategist

Fernando Pohina, BFA™, CPFA®

fpohina@pcrg.com

The son of a struggling single-mother, Fernando worked with his mom at the local swap meets, fairs, and odd jobs which taught him the value of hard work, dedication, and the value of a dollar. While watching his mother work a full time job, go back to college and get both a Bachelor’s degree and a Master’s degree, he witnessed her make the same mistakes that so many Americans make by not being financially literate. Seeing her struggle through these hard times gave him the desire to want to help clients seek financial freedom by creating financial efficiencies to help achieve their goals.

While going to college in Thousand Oaks, California, he was fortunate to be mentored on relationship building, operational management, and the importance of taking care of employees and clients. At the age of 23, and through his hard work and dedication, Fernando became the youngest branch manager at FedEx Office is Los Angeles. He was then promoted to the Senior Center Manager in Bellevue, Washington, managing a staff of 92 in one of their largest sales operations in the company. He had a sales budget of over $5M and a large client base and was a consistent top performing cluster.

In 2008, after 13 years and many accolades with FedEx Office, Fernando transitioned to his career in the financial industry; allowing him to carry out his early aspirations of helping clients achieve their financial goals. His practice helped his clients in the areas of life insurance, disability insurance, retirement planning, college planning, estate planning, and business planning. Through consulting with his clients Fernando helped his clientele focus on mitigating risk and improving the effectiveness and efficiency of their money over time.

In 2014, Fernando joined Pacific Capital Resource Group, Inc. in Bellevue, Washington, and brought his vast knowledge and desire to educate clients and help them eliminate financial inefficiencies. He personally meets with clients to review their goals and objectives, helping to develop a customized financial plan to assist his clients achieve their goals. Utilizing his management skills, Fernando has built a team of advisers that work with clients of all complexities and deliver service that is communicative, educational, and of utmost integrity.

Fernando has successfully passed his Series 7, Series 66, and Series 24 exams and holds his Washington State Life and Disability Insurance license. He also completed the Executive Certificate Program at The Wharton Business School at the University of Pennsylvania and earned the certification of Retirement Planning Specialist, focusing on the baby boomer generation and their transition into retirement.

When Fernando isn’t working with his clients, you’ll find him enjoying life with his wife Letisha and their three children. He loves to snowboard and travel. As an Eagle Scout, Fernando also works with the Eagle Court of Honors and merit badge specialists, educating boy scouts on ways to serve their communities and earn their merit badges.

CA Insurance Lic. #0G57000

VP of Talent Acquisition │ Financial Advisor

Joseph R. Radovic, MSFS, CLU®, ChFC®, CFP®

jradovic@pcrg.com

Joe is passionate about providing his clients with the tools and education they need to navigate life’s financial challenges. With more than 25 years of experience in the industry, Joe recognizes the more knowledge his clients have, the empowered and confident they feel about achieving their financial future.

Along with serving clients, Joe has recruited and coached top advisors in the industry. He has run successful offices as a Managing Partner with Penn Mutual, and most recently, a Regional Director with Prudential.

Joe holds a bachelor’s degree from Arizona State University in Chemistry, and a Minor in Business. Along with his master’s degree in financial services from The American College. Joe enjoys volunteering in his community and is a member of St. Andrew Methodist Church in Plano, TX.

Joe and his wife Jessica, live in Dallas, TX with their two children, William and Emily. Joe enjoys swimming, cycling and running and completed a full IRONMAN triathlon in 2014.

VP of Talent Acquisition │ Financial Advisor

Fred Rhoads, CMFC®, LUTCF®

frhoads@pcrg.com

As a member of the Pacific Capital Resource Group leadership team, I am dedicated to developing and helping financial advisors leverage their strengths and experiences to build successful practices. I approach every day eager to serve as a mentor to both new and seasoned financial advisors; prepared to provide the knowledge and resources to take their practice to the next level; and committed to building a Marketplace that demonstrates the collective passion we share for our clients and our community.

Interested in learning more about financial advisor career opportunities at Pacific Capital? Let’s talk. I welcome the opportunity to be a partner with you on the next step in your career.

Vice President of Supervision & Compliance │ Registered Principal

Michelle Heffel

mheffel@pcrg.com

Michelle is charged with the oversight of Compliance issues for all PCRG locations. She has passed the Series 6, 7, 24, 26, 51, 63, and 65 exams.

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

I would sponsor a wing at a local animal shelter. I would buy myself a 30-day cruise to somewhere warm. I would hire a personal trainer and chef for after the 30-day cruise.

What’s the most likely place people could find you on a Saturday night?

With my husband, friends, or family cheering on the local sports team (preferably the Arizona Coyotes).

Which would you pick: Living on the beach or living near the mountains?

Live on the beach and spend my days snorkeling and starring at the beautiful turquoise waters.

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

I’d wish that I had photographic memory, the ability to speak any language, and that my husband would learn how to be handy.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

Take more photos, write in a journal, and cherish every day.

Associate VP │ Financial Advisor

Haris Ansari, BFA™

hansari@pcrg.com

Haris Ansari serves as financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors at Pacific Capital take pride in their ability to work with corporate, individual, and family clients alike in seeking quality advice, effective implementation, and lifelong service.

Haris’ practice focuses primarily on serving the needs physicians, professionals in the technology sector, business owners, and affluent families, helping with areas such as retirement planning, estate planning, college funding, insurance planning, professional money management, and executive planning. Haris prides himself on his commitment to educating his clientele, empowering them to make deliberate decisions about their financial futures’. Securities and investment advisory services offered exclusively through Osaic Wealth, Inc..

Haris is also the founder and head of the Tech Professional Resource Team at Pacific Capital, a planning team that specializes in meeting the more specific and complex needs of tech professionals across the West Coast. He finds that his objective and analytical worldview is relatable and refreshing for the software engineers he proudly serves.

Growing up in a South Asian family, Haris takes a great deal of pride in his cultural background. He proudly supports a number of charitable organizations that serve the South Asian community both locally and abroad. Professionally, this propels him to take an interest in educating South Asian families, of which have never been exposed to the principles of successful Wealth Management in western society.

Raised in Tacoma, Washington, Haris is a proud Northwest native. An early interest in capital markets and a commitment to receiving a well-balanced education led him to attain a Bachelor of Science degree in Economics, Minor in Political Science, and Concentration in Organization Leadership from Gonzaga University. He remains an active member of the Gonzaga Alumni Association.

In his free time, Haris enjoys exploring the outdoors, attending live musical performances, playing racquet sports, and loyally supporting the Seahawks and Mariners.

CA Insurance Lic. #0I94735

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

If I had to ‘spend’ the money and couldn’t save any of it, I would buy a boat, a muscle car, and waterfront vacation property free and clear.

What’s the most likely place people could find you on a Saturday night?

On a Saturday, you will undoubtedly find me surrounded by our close friends and family. The activity itself might change, but the company rarely does.

Which would you pick: Living on the beach or living near the mountains?

I lean slightly to the mountains due to my love for hiking, but my fiancée is so in love with the beach, I am tilted by the old adage, ‘Happy Wife, Happy Life.”

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

Ability to shapeshift. Ability to teleportation. Ability to time travel.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

Focus your efforts on loving yourself. Someone that cares for their mind, body, and wealth is always more at peace, and ultimately, better positioned to care for others.

Associate VP │ Financial Advisor

Mark Stanley

mstanley@pcrg.com

Mark serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Mark provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisers and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Mark is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Mark and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Mark has successfully passed his Series 7 & Series 66 exams; and holds his Washington/Oregon State Life and Disability Insurance license. He graduated from the University of Washington with a Bachelor's degree in Political Communications. Mark remains active in the UW community through his involvement in the University of Washington Alumni Association. When he isn't working, Mark enjoys a number of different activities including coaching youth sports, travelling, and playing music.

CA Insurance Lic. #4056680

Director of Advisor Education & Planning Strategy

Tony K. Soh, CFP®, ChFC®, CLU®, CASL™, CAP®, RICP®

tsoh@pcrg.com

As the Director of Advisor Education & Planning Strategy, Tony focuses on improving the knowledge base of advisers in their service to their clients. He consults with advisers on communicating competent and important strategies as part of a client’s overall financial goal. With over a decade of experience in the industry as an adviser, and the education that comes from the completion of four certificates from the American College of Financial Services, Tony can analyze a client’s entire financial picture and suggest multiple strategies that align with the client’s goals and objectives.

Tony continues to advise and support his existing clients. He and his team help them in areas such as retirement planning, estate planning, college funding, insurance, investments, money management, asset allocation, and executive planning. Securities and investment advisory services offered exclusively through Osaic Wealth, Inc.

Tony graduated from the University of Washington with a Bachelor’s degree in Economics. After working for United Parcel Service for 16 years in operations and management, Tony decided to make a career change and became a Financial Adviser to help others with their financial objectives.

Tony is a member of the Financial Planning Association, the National Association for Insurance and Financial Advisors, and a member of the Renton and Issaquah Chamber of Commerce.

Tony is married to his high school sweetheart, Christine. They have a son named Ryan and a daughter named Emily.

Awards & Recognitions:

2007 New Advisor of the Year
2007 Leader’s Conference Qualifier
2007 President’s Club Qualifier

Licenses & Certificates:

Chartered Financial Consultant, ChFC®
Chartered Life Underwriter, CLU®
Washington Life, Disability & LTC – Licensed
Registered Representative of Osaic Wealth, Inc.
Investment Advisor Representative of Osaic Wealth, Inc.
Financial Planning Association – Member
National Association for Insurance and Financial Advisors – Member
Renton Chamber of Commerce – Member
Issaquah Chamber of Commerce - Member
University of Washington graduate– Bachelor’s of Arts in Economics
Matriculated student of the College for Financial Planners
Matriculated student of the American College

Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design), and CFP® (with flame design) in the U.S., which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Financial Advisor

Alex Gray, CPFA®

agray@pcrg.com

I am a financial advisor with Pacific Capital Resource Group, Inc. I work with individuals, families, and business owners to build comprehensive financial plans that help them pursue their short-term and long-term financial goals. Additionally, I focus on working with employees of large corporations in the Puget Sound Area such as Boeing, Nordstrom, Starbucks, McKinstry, to name a few, to build personalized strategies that complement their work benefits.

CERTIFIED FINANCIAL PLANNER™ Professional

Alyssa Jarman, CFP®, RICP®, CDFA®

ajarman@pcrg.com

Alyssa Jarman is a financial advisor with the planning team of F-Squared Advisors at Pacific Capital Resource Group, Inc. Alyssa has an education-centric practice and takes the time to strive to provide each client with the knowledge and resources they need to be successful. Her focus areas are retirement planning, college funding, insurance (Life, Disability, Long-Term Care), investment planning, and professional money management. Alyssa is Life, Disability & Long-Term Care licensed and is also a Registered Representative of Osaic Wealth, Inc.

Alyssa is currently a resident of Seattle and invests her time in the community as an advocate for financial literacy. As part of the Women’s Resource Group, she teaches seminars for women’s groups and partners with local companies such as Amazon and Microsoft to bring practical education to their teams. In the past 8 years, the Women’s Resource Group has impacted over 10,000 lives through education.

As a Certified Divorce Financial Analyst (CDFA®), Alyssa is also equipped to help individuals before, during, and after the divorce process. She brings compassion and understanding to individuals throughout this process, offering support through strategic advice tailored to her clients’ needs.

Born and raised in Olympia, WA, Alyssa is a graduate of Seattle Pacific University. Alyssa enjoys biking around Seattle, attending theater performances, and spending time with her husband, John, and their dog, Riley. When they’re not in Seattle, Alyssa and John love to spend time traveling to wherever the sun is warmest.

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

Travel, travel, travel! I would travel as long as a million dollars would last.

What’s the most likely place people could find you on a Saturday night?

I'm out dancing salsa!

Which would you pick: Living on the beach or living near the mountains?

The mountains are beautiful, but as a lover of fishing and watersports, the beach is the way to go.

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

I would wish for a photographic memory, perfect balance, and a live-in sushi chef.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

That hair color looks terrible on you.

Certified Financial Planner Board of Standards Inc. owns the certification mark CFP®, CERTIFIED FINANCIAL PLANNER™, and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

CERTIFIED FINANCIAL PLANNER™ Professional

April Wilson, CFP®

awilson@pcrg.com

www.aprilwilsonfinancial.com

April Wilson is a board CERTIFIED FINANCIAL PLANNER® professional, senior team leader, and public speaker. After watching how personal financial decisions affected her family as a child, she became obsessed with understanding the powers of money and finance.

She has been in the financial services industry since 1994, and during that time has had the opportunity to work in two northwest financial advisory practices. In 2006, she started her own financial advisory practice in Bellevue with Pacific Capital Resource Group, a holistic financial services firm.

She is the expert eyes for her clients and an advocate for empowerment through education. She heads the PCRG Women’s Resource that reaches the community through educational seminars and speaking events, educating women on making better financial decisions and understanding areas of financial planning that are relevant to their everyday lives.

April resides in Kirkland with her husband Jason, daughter Zoe and son Jack. When April isn’t working she enjoys snow skiing, golfing, boating and biking.

Specialties

Public Speaking, Leader of the PCRG Women’s Resource, Retirement Planning, Cash Flow and Goal Setting, Holistic Financial Planning, College funding, Women’s Financial Planning and Education.

April’s Approach

April meets with clients to review their finances and discuss both their short and long term goals. She will analyze a client’s financial situation and determine which strategies could work best to meet their objectives. After tailoring a specific plan to help meet these needs and goals, April will meet with the client on a regular basis to stay updated on their portfolio and address any new goals the client wishes to create.

April has a relationship-driven approach to her financial planning, in which she strives to provide quality advice, implementation and a diversity of services at the highest possible standards. She provides comprehensive financial and insurance services helping her client’s obtain security and independence, while focusing on building long-term relationships.

Certifications and Awards

April earned her CERTIFIED FINANCIAL PLANNER™ Professional designation in 2005. April also passed the series 7, 66, and 24 exams in addition to having her Washington State Life, Disability, and Long Term Care Licenses. She is an Investment Adviser Representative of Osaic Wealth, Inc.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER^™, and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

CA Insurance Lic. #0F59624

Financial Advisor

M. Colin Campbell

ccampbell@pcrg.com

Colin has built his financial practice with the simple mission of helping people achieve their goals. His desire to see his clients succeed and prosper is the driving force behind his career as a financial adviser. Over the past 20 years, Colin has built strong, long-term relationships with his clients, and together, they create a financial future that reflects the unique goals of each client and their families.

Growing up on the small island of Vashon in the Puget Sound allowed Colin to experience the importance of being involved in his community. Colin earned his bachelor's degree from the University of Washington and spent the first years of his career in Los Angeles before launching his financial practice with Pacific Capital Resource Group, Inc. in 2007. In addition to being a proud Husky alum, he is a member of the Fred Hutchinson Professional Advisory Council, a legacy advisor for Seattle Children's Hospital, and is a board member for the Friends of Laurelhurst Foundation.

Colin provides his clients with planning strategies and guidance to meet their financial needs in every aspect of life with a focus on investment management, retirement planning, estate and protection planning, college funding, business planning and insurance. Most importantly, he helps clients understand how to achieve their goals and protect their futures.

In no particular order, Colin enjoys traveling anywhere with sun and palm trees, experimenting in the kitchen, coaching youth soccer in the rain, family movie nights with daughters Mackenzie and Hadley, and backyard happy hours with his wife Alyssa.

CA Insurance Lic. #0D07772

Financial Advisor

Costa Capellas

ccapellas@pcrg.com

Professional Overview

Costa entered wealth management in 2003 and has spent the entirety of his career with Pacific Capital Resource Group. In 2009, Costa moved from the Bellevue, Washington office to Lake Oswego, Oregon to help Pacific Capital open and start a new branch office. He has been helping clients pursue their financial goals ever since.

Areas of Specialization & Philosophy

Costa’s practice focuses predominantly on serving the needs of affluent families and high net-worth business owners through a holistic planning approach. As a member of Pacific Capital Resource Group’s advanced planning group, Costa focuses on delivering wealth management services at the highest tier of knowledge, experience, and superior customer service while adhering to the highest ethical standards.

Comprehensive planning areas include:

● Advanced Tax Strategies
● Business Valuation & Transition Strategies
● Insurance, Risk Management Including Premium Financing Strategies
● Professional Investment & Money Management*
● Executive Compensation & Benefit Plans
● Charitable Planning Strategies
● Estate Planning

Personal Interests

Costa is blessed to be married to his wife Kacie (they met and fell in love while attending Washington State University, Go Cougs!) They are extremely proud of their two talented and intelligent daughters. In his free time, Costa can be found enjoying the Oregon Wine Country, attending his daughters’ gymnastics events, and is an avid home chef.

*Offered exclusively through Osaic Wealth, Inc.

Financial Advisor

Espen Platou

eplatou@pcrg.com

Espen Platou serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Espen provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisors and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Espen is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Espen and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Espen has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from University of Washington with a Bachelor’s degree in Communication and Sales with an emphasis in Corporate Communication and Marketing. Espen remains active in the UW community through his involvement in the UW Alumni Association. When he isn’t working, Espen enjoys a number of different activities including sports, skiing, hiking, coaching basketball, going to Seattle sporting events and spending quality time with his family and friends.

CERTIFIED FINANCIAL PLANNER™ Professional

Frank Busichio, CFP®

fbusichio@pcrg.com

Frank joined Pacific Capital Resource Group in 2014 and has expanded his practice to Salt Lake City, Utah in 2019. At the core, Frank loves being an advisor because of the ability to provide quality advice and lifelong service that positively impacts his clients lives.

Pacific Capital drew Frank in because of its robust platform and relationship-based financial services model that individual and corporate clients recognize for quality advice, effective implementation and superior service. Dedicated to the highest ethical standards, Frank provides comprehensive financial and insurance services. He helps his clients build security and independence through mutual trust and respect.

Working with both families and businesses, Frank creates customized financial and investment solutions to help clients build, protect and transfer wealth. Frank’s goal is to always increase his client's opportunity to succeed under a multitude of circumstances. Frank is committed to building long-term relationships through strong communication and education in the community, helping clients meet and exceed their financial goals.

Outside of the office, Frank stays busy playing on various sports teams and traveling with his wife Valerie, who he married at Roche Harbor, WA in 2017. In Utah, Frank has loved the access to mountains, skiing, and hiking trails. He is well on his way to completing a family goal of visiting all 62 National Parks - an activity he spends most weekends pursuing! Combining a love for adventure with a desire to increase client's overall livelihood, Frank is more motivated than ever to put his clients on the best track towards security and success.

CA Insurance Lic. #0M16742

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

I'd buy a home in Arizona with a pool, indoor basketball court, and enough room to sleep both sides of the family!

What’s the most likely place people could find you on a Saturday night?

Watching a sporting event (college football, basketball, baseball) after a day of hiking or skiing.

Which would you pick: Living on the beach or living near the mountains?

We are spoiled to live near the best snow on earth in Utah, so I'd probably pick a second home near the beach!

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

Continued good health for my family, an unlimited travel budget, increased peace and understanding amongst society.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

Trust the process and believe in yourself - being uncomfortable is the best way to grow.

Financial Advisor

Grant Ostrom

gostrom@pcrg.com

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

I would buy a vacation house and embark on a year-long tour of Europe and Asia. I'd buy a winter home in Arizona and a sport court for my kids.

What’s the most likely place people could find you on a Saturday night?

If it's a Saturday during football season, I'd be in the stands at a UW football game or watching college football.

Which would you pick: Living on the beach or living near the mountains?

I would pick to live near the mountains, unless the beach option is on a river with great fishing!

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

I'd wish for great health for my family and friends, that my children have long wonderful lives, and that UW wins another national championship.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

All the best stock tips for the future!

Financial Advisor

Julian McMahon, CPFA®

jmcmahon@pcrg.com

Julian serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Julian provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisors and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Julian is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Julian and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Julian has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from Central Washington University with a Bachelor’s degree in Business Administration with an emphasis in Finance. Julian remains active in the CWU community through his involvement in the CWU Alumni Association. When he isn’t working, Julian enjoys a number of different activities including ice hockey, soccer, reading, and spending quality time with his family.

Financial Advisor

Kyle Cox

kcox@pcrg.com

Professional Overview

Kyle serves as a financial advisor with Pacific Capital Resource Group, Inc. in Lake Oswego, Oregon. He has successfully passed his Series 7, 63, and 65 exams; and holds his Washington State Life and Disability Insurance license. The advisors of Pacific Capital take pride in their ability to work with individuals, families, and corporate clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Areas of Focus & Philosophy

Dedicated to the highest ethical standards, Kyle provides clients with planning for various aspects of life. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisers to accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals.

Comprehensive Planning Areas Include:

Professional Money Management
Retirement Planning
Risk Management
Estate Planning
College Funding
Asset Allocation
Business Planning

Personal Interests

Kyle graduated from Washington State University with a Bachelor’s degree in Finance. Kyle remains active in the WSU community through his involvement in the WSU Financial Management Association. When he isn’t working, Kyle enjoys a number of different activities including sports, fishing, going to Timbers games and spending quality time with his family. Kyle and his girlfriend Kelsey enjoy traveling to Mexico and plan to explore Europe and South America.

Financial Advisor

Kyle Fukuchi, ChFC®, CLU®, CDFA®

kfukuchi@pcrg.com

Kyle has served as a Financial Advisor with Pacific Capital Resource Group, Inc. since 2002. Born and raised in Haleiwa, HI, Kyle is a graduate of the University of Washington. He specializes in helping individuals and businesses manage a diverse range of financial goals such as:

Retirement planning
Estate planning
College funding
Insurance (Life, Disability, Long term care)
Investment planning*
Professional money management*
Asset allocation*
Executive planning

Kyle contributes his time and talents within the community as well. A resident of Kirkland, he has taught numerous seminars for seniors and business owners. He is also a member of the University of Washington Alumni Association and Business Networking International (Bellevue Chapter). Kyle also enjoys spending time with his wife Jessica and their children as well as going to Sounders and Seahawks games. Securities and investment advisory services offered exclusively through Osaic Wealth, Inc.

Licenses & Certificates:

Chartered Life Underwriter (CLU^®)
Chartered Financial Consultant (ChFC^®)
Certified Divorce Financial Adviser (CDFA^®)
Washington Life, Disability & Long-Term Care Licensed
Registered Representative of Royal Alliance
Investment Advisor Representative of Osaic Wealth, Inc.
University of WA - BA

CA Insurance Lic. #0E56578

Financial Advisor

Kyler Kedroske, CPFA®

kkedroske@pcrg.com

Kyler serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Kyler provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisors and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Kyler is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Kyler and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Kyler has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from Concordia University-Portland with a Bachelor’s degree in Business Administration with an emphasis in Finance. Kyler remains active in the CU community through his involvement in the CU Alumni Association. When he isn’t working, Kyler enjoys a number of different activities including sports, camping, going to Mariners games and spending time with his family.

CERTIFIED FINANCIAL PLANNER™ Professional

Mark A. Sterley, CFP®

msterley@pcrg.com

Mark A. Sterley, CFP® serves as a financial advisor with Pacific Capital Resource Group in Bellevue, Washington. He takes pride in his ability to work with corporate, individual and family clients in striving to provide quality advice, effective planning, and lifelong service.

Dedicated to the highest ethical standards, Mark provides clients with planning for every aspect of life including; risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisers and specialists to analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Mark is a CERTIFIED FINANCIAL PLANNER™ Professional, licensed for life, disability and long-term care insurance and has passed his 6, 7, 63 and 66 securities examinations. He graduated Cum Laude from Northwest University in Kirkland, Washington with a Bachelor of Arts degree in Business Management Administration. At Northwest, Mark was captain of the soccer team and a NAIA all-conference forward. Mark is also a member of the World Vision Financial Advisors Network for charitable giving and currently serves on the Alumni Association Board for Northwest University.

Mark and his wife Lena live in Redmond, Washington and are active members of The City Church.

Licenses and certificates

CERTIFIED FINANCIAL PLANNER™ Professional
Washington Life, Disability, and Long-Term Care Licensed
Northwest University - B.A. in Business Administration
Board Member, Northwest University Alumni Association
Registered Representative of Osaic Wealth, Inc.
Investment Advisor Representative of Osaic Wealth, Inc.

CERTIFIED FINANCIAL PLANNER™ Professional

Melissa L. Larson, CFP®, MSFPR, CLU®, ChFC®, RICP®

mlarson@pcrg.com

Melissa was born and raised in Washington and currently resides in Newcastle with her husband Erik, her son Jarrett, and little girl Brielle. After graduating from the business school at the University of Washington with emphasized studies in Finance, she began her career in the financial services industry when she joined Pacific Capital Resource Group, Inc. in 1998.

Melissa provides individuals and businesses with comprehensive planning for every aspect of life including: risk management, estate planning, retirement planning, college funding, investments*, professional money* management, asset allocation*, and business planning. She meets with her clients to review their current financial situation and discusses long and short-term objectives. She and her team then analyze the information, determine which strategies will work best for their situation, and tailor a plan specifically to help meet their financial needs and goals. Finally, after the plan is implemented, she then meets with them on a regular basis to uncover any changing needs they may have and to adjust their plan accordingly. This helps create a trusted bond between Melissa and her clients so each client’s strategy remains consistent with changing goals, objectives and circumstances.

Melissa earned the Chartered Financial Consultant’s designation in 2002, and the Chartered Life Underwriter designation in 2007, from the American College of Bryn Mawr, Pennsylvania. She became a Certified Financial Planner® as well in 2002.

Melissa has earned several awards during her career with Pacific Capital. In 2000, Melissa was named career builder of the Year and in 2001, she was named Associate of the Year. She earned the Adviser of the Year Award of Excellence in 2008, 2010 and 2011, and in 2009 and 2012, she was named Adviser of the Year, Silver.

In 2002, Melissa’s success in client acquisition earned her a promotion to sales manager and Executive Vice President, where she spent 3 successful years training, developing, and recruiting new advisers into the career. She earned two Bronze International Management Awards from GAMA for management excellence during this period.

Licenses and Certificates

University of Washington Graduate & Member of the Alumni Association
UW Husky Band Alumni Association
1998-2007 Treasurer for WA associates of Nu Chapter of Alpha Xi Delta
Student of the American College
Washington Life, Disability, Medical & Long-Term Care Licensed
Registered Representative & Investment Advisor Representative of Osaic Wealth, Inc.*

CA Insurance Lic. #0C59515

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

Complete our house remodel/yard projects
Set up a fund that would generate enough income/interest to pay for an awesome month-long vacation every year
Hire a personal chef to cook organic, health food for every meal!

What’s the most likely place people could find you on a Saturday night?

At home with my family. Movie night!

Which would you pick: Living on the beach or living near the mountains?

I love to relax and read a book on the beach. It doesn't need to be a warm climate. I love the relaxing sound of the waves.

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

Perfect health for my family.
That my children grow up to be successful, caring, and contributing members of society.
An end to child/human trafficking.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

All of your hard work and studying will pay off. Never stop exercising and staying active.

CERTIFIED FINANCIAL PLANNER™ Professional

Ryan T. Fleming, CFP®, MSFS®, ChFC®, CLU®, CASL™, AEP®, RICP®

rfleming@pcrg.com

Ryan Fleming was raised in Washington and currently resides in Kirkland with his two sons, Peter and Evan and daughter, Josie. He graduated from the University of Washington where he was a three-year starter in football for the Huskies. In 1999 and 2000, Ryan was named an Academic All-American as well as recipient of the 101 Club Award for the top scholar athlete. As a member of the Husky Football team, he participated in the 2001 Rose Bowl game.

Ryan is driven by challenges, and as such, has set a goal to run a marathon in every state (currently at 17!) and climb each of the Seven Summits (Mt. Kilimanjaro and Aconcagua completed, five to go).

Ryan is a Financial Adviser with Pacific Capital Resource Group, Inc., and has earned his Chartered Financial Consultant, Chartered Life Underwriter, Chartered Advisor for Senior Living and Accredited Estate Planner designations. Ryan also obtained his CERTIFIED FINANCIAL PLANNER™ certification in 2007. In 2010, he received his Masters in Financial Planning (MSFS) from the American College.

Ryan helps clients and their families achieve financial confidence and independence. He works with them to articulate the financial goals that are most important to them, and helps set a path for achieving those objectives, all the while seeking to protect and preserve the wealth they have accumulated. He takes great pride inspiring clients to pursue their passions today as opposed to waiting for a day that may never come. The concept of living life in the moment while still setting aside what you need for the long term is a puzzle he enjoys piecing together with his clients.

His clients range from professional athletes and small-business owners, to individuals and families of every age and background. He particularly enjoys face-to-face interactions with clients, as the bond over finances and money is built on the foundation of trust. As a partner for the long haul, he gets to know his clients as the unique individuals they are. His greatest satisfaction comes from knowing that he's making a difference in his clients’ lives.

Licenses & Certifications:

CERTIFIED FINANCIAL PLANNER™ practitioner
Chartered Financial Consultant (ChFC)
Chartered Advisor for Senior Living (CASL)
Accredited Estate Planner (AEP)
Retirement Income Certified Professional^® (RICP)
Washington Life, Disability & Long-Term Care Licensed
Registered Representative of Osaic Wealth, Inc.
Investment Advisor Representative of Osaic Wealth, Inc.
2006 and 2014 Pacific Capital Advisor of the Year
Employed by the National Football League (NFL) Officiating Department

CA Insurance Lic. #0K00798

Learn More About Me

What’s the most likely place people could find you on a Saturday night?

Either at my kids’ hockey or soccer games or at home in front of a TV watching college football.

Which would you pick: Living on the beach or living near the mountains?

The Bay of Kotor in Montenegro combines the best of both – mountains and beach life all rolled into one, set against a magnificent landscape.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

Physical fitness is the foundation for not only physical health but also mental health. Travel the world starting now. There is so much to see and only some much time to see it. Traveling showed me that those with so few material items are often the happiest. We don’t have the monopoly on the best way to do things. Lastly, it makes me appreciate so many of the things that I take for granted at home. Book your ticket!

Financial Advisor

Sean Singh

ssingh@pcrg.com

Coming from a family that hails from an island nation in the Caribbean, Trinidad &Tobago, Sean aims to integrate a strong culture of care, discipline, and lightheartedness into the way he runs his practice. Sean was born and raised in Kirkland, Washington and is a proud Washingtonian through and through. He takes pride in his ability to blend the attitudes and culture from his familial heritage with the wonderful culture that comes from being raised in the Pacific Northwest.

Sean attended Gonzaga University and obtained a bachelor’s in business administration concentrating in Finance and Marketing from the Gonzaga School of Business. In his junior year Sean was selected to participate in the Pacific Capital Resource Group future advisor program, and he was then hand recruited out of college to join the Ascent Wealth Solutions team, an advanced planning team within Pacific Capital Resource Group.

Sean’s practice focuses on guiding clients through areas such as estate planning, cashflow planning, retirement planning, insurance planning, and professional investment management. He believes that an integral part of his role is to educate clients on why certain recommendations are being made, on top of acting as an unbiased soundboard to help clients work through any of their financial needs.

Outside of the office Sean can be found in the mountains snowboarding during the winter, and on the lake surfing in the summer. He has a passion for cooking and enjoying the innovative cuisine of the northwest and spends a great deal of time exploring restaurants throughout the greater Seattle area.

Financial Advisor

Sebastian Kanczugowski, BFA™

skanczugowski@pcrg.com

Sebastian serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. As an advisor with Pacific Capital, he takes pride in the ability to work with corporate, individual and family clients alike in striving to provide quality advice, effective planning, and lifelong service.

Sebastian and his family are originally from Poland and immigrated to the United States when he was a child. They made the transition with no knowledge of the English language and only 50 dollars to their name. Through their struggles, and desire to provide a better life for their children, there was an entrepreneurial spirit instilled in Sebastian at a very young age.

After graduating from Seattle University, Sebastian chose his career with the sole purpose of providing financial education and literacy. In the U.S., all the financial decisions and burdens fall on the individual to make. As a result, Sebastian’s mission is to help individuals and business owners achieve their financial goals. He has built his practice around educating families and businesses on the complexities of the financial structure in America. Sebastian believes he has a moral obligation to provide education that empowers individuals and helps them protect their families and to build a secure, financial future.

Dedicated to the highest ethical standards, Sebastian provides clients with planning for every aspect of life including risk management, estate planning, retirement planning, college funding, investments, asset allocation, and business planning. Sebastian is able to provide lifelong service by continuing to meet with his clients as time goes on, maintaining a long-term relationship. He regularly monitors each plan and, when meeting with each client, reviews his or her situation to keep up to date. This creates a trusted bond between Sebastian and his clients and ensures that each client’s strategy remains consistent with changing goals, objectives, and circumstances.

Licenses & Certificates

Seattle University - BA in Economics
Washington Life, Disability, & Long-Term Care Licensed
Passed FINRA Series 7, 63, and 65 exams
Registered Representative of Osaic Wealth, Inc.

Financial Advisor

Steve Dowden

sdowden@pcrg.com

Steve serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Steve provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisors and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long-term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Steve is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Steve and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Steve has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from Washington State University with a Bachelor’s degree in Business Administration with an emphasis in Finance as well as Marketing. Steve remains active in the WSU community through his involvement in the WSU Alumni Association. When he isn’t working, Steve enjoys a number of different activities including sports, hiking, camping, traveling, going to Mariners games, and spending quality time with his family.

Financial Advisor

Thomas Jordan, Jr.

tjordan@pcrg.com

Working as an advisor for over 15 years, my goal is to help clients seek financial security and to create a flexible plan to pursue their financial goals. My main objective throughout my process, from fact-finding to implementation of recommendations, is to have clients align their wealth with their goals and intentions. I work with clients to identify their needs and then focus on creative strategies and innovative guidance to help pursue their specific goals. I rely not only on my own knowledge and experience, but can call on a team of specialists across the country to collaborate and ensure all perspectives have been considered.

Financial Advisor

Zack AhYat

zahyat@pcrg.com

Zack serves as a financial advisor with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisors of Pacific Capital take pride in their ability to work with corporate, individual and family clients alike in seeking to provide quality advice, effective implementation, and lifelong service.

Dedicated to the highest ethical standards, Zack provides clients with planning for various aspects of life including: risk management, estate planning, retirement planning, college funding, investments, professional money management, asset allocation, and business planning. He meets with clients personally to discuss and review their goals and objectives. He then works with a team of advisors and specialists to most accurately analyze and interpret those objectives to provide each client with a strategy that uniquely serves his or her short and long term goals. Securities and Investment advisory services are offered exclusively through Osaic Wealth, Inc.

Zack is able to provide continuing service by meeting with his clients regularly as time goes on, maintaining and building upon a strong relationship. He monitors each plan and, when meeting with each client, reviews their situation to keep them up to date. This is designed to create a trusted bond between Zack and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Zack has successfully passed his Series 7 & Series 66 exams and holds his Washington State Life and Disability Insurance license. He graduated from Pacific Lutheran University with a Bachelor’s degree in Business Administration with an emphasis in Finance. When he isn’t working, Zack enjoys a number of different activities including tennis, football, hiking with his dog, going to Seahawks games, and spending quality time with friends and family.

Learn More About Me

If you had a million dollars to spend, what would be the first three things you would buy?

I would buy a vacation home and take trips to watch the finals of all of the tennis Grand Slams.

What’s the most likely place people could find you on a Saturday night?

Someone would most likely find me on a pickleball court or playing board games with my family.

Which would you pick: Living on the beach or living near the mountains?

I would live on the beach so that I could take morning walks by the water with my wife and dog.

Imagine being approached by a genie who offers you three wishes. What might those wishes be?

Have the ability of instant teleportation, be able to read people's minds, and the ability to heal and provide healing.

If you had the ability to travel back in time, what’s something you would tell your 18-year-old self?

Invest in those that love you for who you are.