Pacific Capital Wealth Advisors Inc

Item 5 – Fees and Compensation

 Financial Planning Fees
 The Financial Life Inspection® is offered for a flat cost of $ $9,600.00. The fee is negotiable at our discretion,
 depending on the client’s specific needs and circumstances.

 The fee for the Financial Life Inspection® is due upon signing the Agreement. The Financial Life Inspection® will
 be completed within two (2) weeks, or no greater than 90 days, of receiving all necessary information and
 payment from the client. Clients may cancel within five (5) business days of signing the Agreement for a full
 refund and with no obligation. If the client cancels after the initial five (5) business days, they may cancel by
 providing written notice to us, and will be provided a pro-rata refund based on the percentage of work
 completed.

 If the client and Pacific Capital agree to investment management services, the client will continue to receive
 ongoing financial advice and guidance as needed.

 Investment Management Fees
 The annual fee for our investment management services is calculated as a percentage of the assets under our
 supervision and management. The annual fee is billed quarterly in advance based on the market value reported
 by the account custodian as of the last business day of the previous calendar quarter, in accordance with the
 following fee schedule.

                                      ASSET VALUE                    ANNUAL FEE
                                    $0 to $24,999,999                   1.25%
                               $25,000,000 to $49,999,999              1.125%
                               $50,000,000 to $99,999,999               1.00%
                                  Above $100,000,000            Customized/Negotiable

 For example, the quarterly fee for an account valued at $20,0000 would be calculated using the following
 formula: ($20,000)(.0125) / 365 = X (# the number of days in that quarter).

 In certain circumstances and at our sole discretion, fees and account minimums may be negotiable based upon
 prior relationships as well as related account holdings. Additionally, at our discretion, we generally aggregate
 related client accounts for purposes of calculating the fee applicable to each client. We also reserve the right to
 reduce or waive fees for employee or family accounts and certain client accounts. The exact fee schedule for
 supervisory and management services and payment arrangements will be set forth in the written agreement
 between the client and Pacific Capital.

 We will deduct our fee directly from the client’s account(s) through the unaffiliated, qualified custodian holding
 the client’s funds and securities. Pacific Capital does not have access to client funds for payment of fees without
 client consent in writing. The client provides written authorization permitting the fees to be paid directly from
 the client’s account held by the account custodian. The custodian will send the client a statement, at least
 quarterly, indicating all amounts dispersed from the account, including the amount of the advisory fee paid
 directly to Pacific Capital. Pacific Capital will also receive a copy of your account statements from the custodian.
 Please review each statement for accuracy. Please let us know immediately if you have questions about it or if
 you did not receive a statement.

Pacific Capital Wealth Advisors, Inc.
Form ADV Part 2A Brochure

 Deposits made to an account(s) during the quarter, after billing has been completed, will be billed at the start of
 the next quarter, in arrears. The adjusted fee will be prorated by the number of days the assets were being
 managed for that quarter and added to the applicable billing amount for the following quarter. Withdrawals are
 subject to standard securities settlement periods, and the creation of cash may take a few business days. The
 client must promptly notify us of any contributions or withdrawals, as such changes may have an impact upon
 the management of the account(s), may have tax consequences, and may adversely affect the performance of
 the account.

 Although some of our clients choose to utilize margin loans from their custodian accounts, we do not
 recommend using margin for the purpose of increasing a client’s investment account values. Discussing debt
 and debt paydown plans is part of our financial planning process with clients. Clients with an account at a
 qualified custodian may have the option to borrow money from the custodian using their investment account as
 collateral. Should a client make a deposit into an existing account at the custodian that has a margin loan
 balance, we will confirm with the client whether they intend for those monies to be used to pay down the
 margin loan or to be invested. If margin is utilized, our fee will be billed based on the gross invested asset value
 of the account(s).

 At the inception of services, the first quarter’s fees will be prorated, if applicable, based on the number of days
 remaining in the first quarter. The Investment Advisory Agreement between the client and Pacific Capital will
 continue in effect until either party terminates the agreement in accordance with the terms of the agreement.
 Either party to the written agreement may terminate the agreement in accordance with the terms of the
 agreement. The fees will be prorated for the billing period in which the termination notice is given, and any
 prepaid, unearned fees will be promptly refunded to the client using the following formula: (Costs Paid) x (Days
 Remaining in Quarter) / (Total Number of Days in Quarter).

 ERISA Plan Fees
 The annual fee is negotiated independently with each Plan Sponsor, depending on the varying, unique
 characteristics or requirements of each plan. Primary determinants of the negotiated fee typically include, but
 are not limited to, the amount of plan assets, the number of employees/plan participants, the number of plan
...

Item 7 – Types of Clients

 We generally offer investment advisory services to high net worth families, individuals, pension and profit-
 sharing plans and participants, trusts, estates, charitable organizations, corporations, and other business
 entities.

 We generally require a minimum of $25,000,000 of investable assets to establish a management account with
 us. We will count household assets for members of the same family to meet this minimum requirement.
 Additionally, we may waive this minimum requirement at our sole discretion based on individual circumstances.