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 advisers 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

Samantha Kinsella

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 two other related companies: Advisory Resource Group, LLC is a state registered Investment Advisory firm, and Corporate Benefits Group, LLC consists of a team of benefits specialists who concentrate their efforts in the benefits market.

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.

Kurt D. Jonson offers Securities and Investment Advisory Services through Royal Alliance Associates, Inc., a Registered Investment Adviser, member FINRA/SIPC. Additional Financial Planning services offered through Advisory Resource Group, LLC, a Registered Investment Adviser. Royal Alliance Associates, Inc. is separately owned and other entities and/or marketing names, products or services referenced here are independent of Royal Alliance Associates, Inc. CA Insurance Lic. #0D51414

Executive Vice President / Financial Adviser

Kyle Fukuchi, ChFC®, CLU®, CDFA®

kfukuchi@pcrg.com

Kyle has served as a Financial Adviser 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 three kids as well as going to Sounders and Seahawks games. Securities and investment advisory services offered exclusively through Royal Alliance.

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 Royal Alliance
University of WA - BA

CA Insurance Lic. #0E56578

Vice President / Wealth Strategist

Fernando Pohina

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

Vice President / Financial Adviser

Gregory Collins

gcollins@pcrg.com

I am a Vice President in the Scottsdale office of Pacific Capital Resource Group. Not only do I get to continue impacting lives as a financial adviser, I also get the opportunity on a daily basis to coach, encourage, and help the members of my team develop their own visions within our industry. It is my job to help mentor, motivate, and train the financial advisers in my office so they are able to take their practices to the next level. I firmly believe that every person has potential to achieve greatness, and I enjoy helping my team of representatives find that potential, work with vision, and achieve a career of significance within the financial services industry.

Whether you are a soon-to-be college graduate or looking to try something new, and thinking about a career in the financial services industry, I’d love to have a conversation with you. We are looking for people that want a career with purpose and significance in an office environment that has a family-like atmosphere and a strong culture of giving back. We hire top talent to join our team in order to develop our next wave of leadership candidates within the company. If interested, please contact me.

Learn More About Me

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

House, insurance policy, and 1969 Camaro Convertible.

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

Down at the pool or riding the Harley.

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

Mountains for sure!

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

World peace, golf, and great vacations.

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

Leave the little fights to the little fighters.

Vice President / Financial Adviser

John Whitehead, CLU®

jwhitehead@pcrg.com

John Whitehead, CLU^® serves as a financial adviser with Pacific Capital Resource Group, Inc. in Lake Oswego, Oregon. The advisers 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, John 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 Royal Alliance.

John 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 John and his clients and helps ensures that each client's strategy remains consistent with changing goals, objectives and circumstances.

John has successfully passed his Series 7, 63, 66, and 24 exams and holds his Oregon State Life and Health Insurance license. He graduated from University of Washington with a Bachelor's degree in Economics. He remains active in the UW community through his involvement in the UW Alumni Association. When he isn't working, John enjoys a number of different activities including golf, coaching athletics, and spending quality time with his family.

LICENSES AND CERTIFICATES

University of Washington- B.A. in Economics
Oregon and Washington Life, Health, and Long-Term Care Licensed
Registered Representative of Royal Alliance
Member of UW Alumni Association

CA Insurance Lic. #0L00613

Learn More About Me

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

A place in Hawaii, a ski boat, and a convertible.

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

With some friends watching a ballgame.

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

Living on a beach as long as it is in a warm climate.

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

More wishes, of course!!! After that, good health for my family and friends.

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

Enjoy each and every day to its fullest, and no regrets!

Vice President / Financial Adviser

Jason "Nick" Rhodes

nrhodes@pcrg.com

Jason Nick Rhodes serves as a vice president and financial adviser with Pacific Capital Resource Group, Inc. in Scottsdale, Arizona. The advisers 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, Nick 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 Royal Alliance.

Nick 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 Nick and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Nick has successfully passed his Series 6,7,24,26,51,63 65 exams; and holds his Washington and Arizona State Life and Disability Insurance licenses. He graduated from Lake Forest College (LFC) with a Bachelor’s degree in Economics with an emphasis in Finance and Communication. When he isn’t working, Nick enjoys a number of different activities including playing hockey, camping, golfing, fly-fishing, and spending quality time with his wife Michelle.

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 new driver, because mine currently goes to the right of the fairway. Buy a vacation home in Durango, CO and fly fish in the summer with my dad. Give a generous donation to my alma mater, Lake Forest College.

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

Cheering at a live sporting event (hockey is my favorite).

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

Live in the mountains, because I am passionate about fly fishing, hiking, and mountain biking.

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

I’d wish for the Denver Broncos to win the Super Bowl every few years, perfect health, and grant my dog the ability to speak English.

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

Don’t fret, the Chicago Cubs will win a World Series at some point.

Vice President / CERTIFIED FINANCIAL PLANNER™ Professional

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

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 of Investments / 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.

Currently, April is one of 7 Vice President Positions at Pacific Capital Resource Group, Inc. She is a CERTIFIED FINANCIAL PLANNER™ Professional, a designation only 20% of advisers have, and is one of 3 Female advisers of the 60 adviser 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 Royal Alliance Associates, 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

Vice President of Investments

Sean Nicol

snicol@pcrg.com
www.snwealthadvisor.com

As a Financial Adviser for Pacific Capital Resource Group, Sean is passionate about helping clients live their retirement with confidence. He works closely with clients to gain an understanding of their financial and retirement objectives, and creates customized plans to help clients achieve their goals.

Sean joined Pacific Capital Resource Group to provide a broader range of services and more comprehensive financial strategies. Born and raised in Phoenix, AZ, Sean is a Brophy College Preparatory alum who was granted a baseball scholarship to the University of San Diego, where he earned a Bachelor’s in Business Finance. He was drafted by the Washington Nationals and played six seasons before joining the financial sector. Sean and his wife are now back in Arizona raising their two daughters and enjoying hiking, camping, and watching movies.

Vice President of Marketing

Stacey Jonson

sjonson@pcrg.com

Stacey joined Pacific Capital Resource Group, Inc. in 2014 after working as an independent brand and marketing consultant as well as a Marketing Manager in the architect/engineer/contractor environment for over 20 years. She has developed brand identities, company messaging, and marketing collaterals for startup companies in addition to producing competitive proposals and coaching winning presentations for well-established firms in the Pacific Northwest. Stacey has served as President (two terms), Past President, and Director of Membership for the Seattle Chapter of the Society for Marketing Professional Services. She has organized regional conferences, moderated strategic planning sessions, and presented on topics ranging from effective presentation skills to relationship-based client care.

As Director of Marketing at Pacific Capital, Stacey’s primary focus is on partnering with advisory teams to identify target markets, develop strategic marketing plans and campaigns which are designed to engage, inform, and motivate prospective clients to take action. In addition, she manages the company’s brand plan which encompasses its identity, vision, mission, goals as well as its brand position and go-to-market strategies. She oversees marketing and advertising activities to create consistency in product line strategies, market share growth, and most importantly, ensure a world-class customer experience.

Stacey is a Washington State “lifer” and currently resides on the Eastside. She’s an avid sports fan and enjoys traveling to the warmth of Hawaii twice a year with family or friends, playing on the beach, hiking, taking photographs, and trying new restaurants. She also loves spending time with her two grown children, Rob and Nicole, her grandkids, and Gracie May, her Cavalier King Charles Spaniel.

Stacey Jonson is not affiliated with Royal Alliance Associates, Inc.

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 house with an awesome deck for entertaining as well as a big backyard with a jungle gym, pool, and pickle ball court... OR, a three-month long vacation in Hawaii... it's a toss-up!

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

Watching whatever is new on Amazon Prime and/or Netflix while snuggling with Gracie on the couch.

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

Live on the beach... that's a no brainer.

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

To be 35 again living on the beach in Hawaii while being married to TV hunk, Alex O'Loughlin.
Ability to teleport to any place at any time.
Slow the aging process way down for me and all of my family so that we can have more years of happiness together.

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

Stay in really good shape and travel more.

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 Vice President / Financial Adviser

Haris Ansari

hansari@pcrg.com

Haris Ansari serves as financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 Royal Alliance.

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 Vice President / Financial Adviser

Mark Stanley

mstanley@pcrg.com

Mark serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 Royal Alliance.

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 Adviser Education & Planning Strategy

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

tsoh@pcrg.com

As the Director of Adviser 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 Royal Alliance.

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 Royal Alliance
Investment Advisor Representative of Royal Alliance
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 Adviser

Alex Gray

agray@pcrg.com

Financial Adviser

Allen Abbott

aabbott@pcrg.com

Allen serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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, Allen 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 Royal Alliance.

Allen 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 Allen and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Allen has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from Southern New Hampshire University with a BS in Business Administration with a focus on organizational leadership and a minor in economics- Magna Cum Laude. Allen remains active in the local community through his involvement in the Free Masons of Washington and Shriners International to support the Shriners hospitals for Children. When he isn’t working, Allen enjoys a number of different activities including sports, traveling, SCUBA diving, and spending quality time with his daughter.

Financial Adviser

Alyssa Jarman, CDFA®

ajarman@pcrg.com

Alyssa Jarman is with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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.

Alyssa 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. She meets with clients personally to discuss and review their goals and objectives. She 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.

Alyssa is able to provide continuing service by meeting with her clients regularly as time goes on, maintaining and building upon a strong relationship. She 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 Alyssa and her clients and helps ensures that each client's strategy remains consistent with changing goals, objectives and circumstances.

Alyssa successfully passed her Series 7 & Series 66 exams and holds her Washington State Life, Long Term Care and Disability Insurance licenses. She graduated from Seattle Pacific University with a Bachelor's degree in Business Administration. Alyssa remains active in the SPU community through her involvement in the Seattle Pacific Alumni Association. She enjoys taking walks around Greenlake, trying new recipes, and kayaking with her family in the Tri Cities.

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.

Financial Adviser

Andrew Turner

aturner@pcrg.com

Andrew serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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, Andrew 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 Royal Alliance.

Andrew 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 Andrew and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Andrew has successfully passed his Series 7 & Series 66 exams; and holds his Washington State Life and Disability Insurance license. He graduated from the University of Washington with a Bachelor’s degree in Political Science. When he isn’t working, Andrew enjoys a number of different activities including sports, taking road trips, and spending quality time with his family.

Financial Adviser

Bryan Heath

bheath@pcrg.com

Bryan serves as a financial adviser with Pacific Capital Resource Group, Inc. in Scottsdale, Arizona. The advisers 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, Bryan 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 Royal Alliance.

Bryan 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 Bryan and his clients and helps ensure that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Bryan has successfully passed his Series 7 & Series 66 exams; and holds his Arizona State Life and Health Insurance license. He graduated from the University of Arizona with a Bachelor’s degree in Journalism. Before joining PCRG he spent over two decades working in television sports, worked on thousands of live pro and college sports telecasts, has won two National Sports Emmy Awards, and traveled to all 50 states. When he isn’t working, Bryan enjoys a number of different activities including doing Crossfit, sports, watching the Boston Red Sox, travel, his church, and spending quality time with his family and two pug dogs.

Financial Adviser

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 Adviser

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 Royal Alliance Associates, Inc.

CERTIFIED FINANCIAL PLANNER™ Professional

Daniel Giovinazzo, CFP®

dgiovinazzo@pcrg.com

Daniel serves as a financial adviser with Pacific Capital Resource Group, Inc. in Scottsdale, Arizona. The advisers 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, Daniel provides clients with planning for various aspects of life including: investments, risk management, estate planning, retirement planning, college funding, 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 Royal Alliance.

Daniel 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 Daniel and his clients and helps ensure that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Daniel has successfully passed his Series 7, Series 66, and CFP® exams; and holds his California and Arizona State Life and Disability Insurance licenses. He comes to Pacific Capital having served in many roles ranging from Brokerage Investment Professional to High Net-Worth Client Case Representative after graduating from University of the Pacific with a degree in Finance. Daniel remains active in the UOP community through his involvement in the UOP Alumni Association and the university’s soccer team. When he isn’t working, Daniel enjoys a number of different activities including sports, grilling in the backyard, going to Phoenix Rising matches, and spending quality time with his family.

Financial Adviser

Eric Ebi-Deprey, ChFC®, CLU®

eebi-deprey@pcrg.com

You’ll find Eric sharing his financial planning experience and knowledge with a wide variety of clients. Eric specializes in working with business professionals and physicians, along with local area businesses, by advising in areas that include retirement planning, estate planning, risk management, college funding, investments, professional money management, and executive planning. Securities and Investment Advisory Services offered exclusively through Royal Alliance.

Dedicated to serving the complex planning needs of today, Eric has an unparalleled commitment to financial planning education obtaining the designations of Chartered Financial Consultant (ChFC®) and Chartered Life underwriter (CLU®).

Pacific Capital Resource Group, Inc. is a relationship-based financial services firm seeking to provide quality advice, effective implementation and superior service. We help our client’s security and independence. We focus on building long-term relationships founded on mutual trust and respect.

LICENSES AND CERTIFICATES

Bachelor’s Degree, University of Wisconsin - Stout
Student of the American College
Washington Life, Disability, Medical and Long Term Care
Registered Representative & Investment Advisor Representative of Royal Alliance

Financial Adviser

Espen Platou

eplatou@pcrg.com

Espen Platou serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 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 Royal Alliance.

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.

Financial Adviser

Frank Busichio

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 Adviser

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 Adviser

John Hester

jhester@pcrg.com

John serves as a financial adviser with Pacific Capital Resource Group, Inc. in Scottsdale, Arizona. The advisers 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, John 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 Royal Alliance.

John 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 John and his clients and helps ensures that each client’s strategy remains consistent with changing goals, objectives and circumstances.

John has successfully passed his Series 7 & Series 66 exams; and holds his Arizona State Life and Disability Insurance license. He graduated from Stanford University with a Bachelor’s degree in Economics. John remains active in the Stanford community through his involvement in the Stanford Alumni Association. When he isn’t working, John enjoys a number of different activities including sports, hiking, going to DBacks games, and spending quality time with his wife and two daughters.

Financial Adviser

Julian McMahon

jmcmahon@pcrg.com

Julian serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 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 Royal Alliance.

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 Adviser

Keith Swanson, CFA®

kswanson@pcrg.com

Keith serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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, Keith 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 Royal Alliance.

Keith 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 Keith and his clients and helps ensure that each client’s strategy remains consistent with changing goals, objectives and circumstances.

Keith 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 Business Administration and Seattle University with a Master’s in Finance. Keith also achieved the Chartered Financial Analyst® (CFA) designation. When he isn’t working, Keith enjoys a number of different activities including skiing, golf, reffing soccer, coaching basketball, and spending quality time with his family.

CFA^® and Chartered Financial Analyst^® are registered trademarks owned by CFA Institute

Financial Professional

Kyle Cox

kcox@pcrg.com

Kyle has successfully passed his Series 7 and 63 exams; and holds his Washington State Life and Disability Insurance license. He 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.

Financial Adviser

Kyler Kedroske

kkedroske@pcrg.com

Kyler serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 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 Royal Alliance.

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 adviser 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 Royal Alliance Associates, 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 Royal Alliance Associates, Inc.
Investment Advisor Representative of Royal Alliance Associates, Inc.

CERTIFIED FINANCIAL PLANNER™ Professional

Melissa L. Larson, CLU®, ChFC®, CFP®

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 Royal Alliance*

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 wife Caroline and their two sons, Peter and Evan and youngest daughter, Josie. He graduated from the University of Washington where he was also 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 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.

Since many people regard financial planning as complex and confusing, they often miss out on many potentially rewarding financial opportunities for themselves, their business, or their family. They also take unnecessary risks and fail to adequately protect that which is most important to them. Our goal is to take the mystery out of investing, managing risk, preparing for retirement, and preserving your wealth. Securities and Investment Advisory Services offered through Royal Alliance.

We help clients and their families achieve financial security and independence. We work with them to articulate the financial goals that are most important to them and help set a path for achieving those objectives, all the while seeking to protect and preserve the wealth they have accumulated.

Our clients range from professional athletes and small-business owners, to individuals and families of every age and background. As a partner for the long haul, we get to know our clients as the unique individuals they are. Our greatest satisfaction comes from knowing that we are making a difference in our 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 Royal Alliance
Investment Advisor Representative of Royal Alliance
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 Adviser

Sebastian Kanczugowski

skanczugowski@pcrg.com

Sebastian serves as a Financial Adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. As an adviser 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 Royal Alliance

Financial Adviser

Steve Dowden

sdowden@pcrg.com

Steve serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 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 Royal Alliance.

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 Adviser

Zack AhYat

zahyat@pcrg.com

Zack serves as a financial adviser with Pacific Capital Resource Group, Inc. in Bellevue, Washington. The advisers 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 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 Royal Alliance.

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.

Executive Assistant

Julia Schwientek

jschwientek@pcrg.com

Julia graduated from Western Washington University in 2008, with a Bachelor’s Degree in Business Administration. She joined Pacific Capital Resource Group, Inc. in 2015 after working as an Office Manager and Director at a USAG Certified Gymnastics training facility in Woodinville, WA for over 7 years.

As Executive Assistant to Kurt Jonson, CEO of Pacific Capital, Julia utilizes her organizational, event planning, bookkeeping and budgeting skills to create a fun, positive and organized environment for Kurt and the staff and advisers. She keeps our “behind the scenes” office organized and on track, while planning monthly meetings, staff and adviser appreciation events, holiday parties, as well as our annual end of the year gala.

Julia loves the Pacific Northwest and currently resides on the Eastside. Growing up, she was part of a World Champion Jump Rope team called Hot Dog USA, providing her many opportunities to travel and compete all over the world. Julia spends time each summer in Tijuana, Mexico, helping to build homes and promote a self-sustaining community in the area. She enjoys hiking, traveling, visiting family in Germany, volunteering, spending time with her two sisters, parents, friends and cat, Milo.

Julia Schwientek is not affiliated with Royal Alliance Associates, Inc.

Learn More About Me

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

A small home on a beautiful property, a plane ticket to visit family in Europe, and a vacation in the Swiss Alps.

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

With friends or family, out to dinner, or watching a movie at home.

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

An A-frame cabin in the mountains – near a charming mountain town.

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

I’d wish for continued health, funds to travel anytime (and anywhere) I want, and to fly!

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

Find the good in each day and don’t sweat the little things so much—accept them and move on.

Insurance Case Coordinator

Abby Sherman

asherman@pcrg.com

Abby serves as our Insurance Case Coordinator in Lake Oswego, Oregon.

Abby Sherman is not affiliated with Royal Alliance Associates, Inc.

Insurance Case Coordinator

Nellie Denson

ndenson@pcrg.com

Nellie Denson serves as our Insurance Case Coordinator in our Bellevue, Washington office.

Nellie is not affiliated with Royal Alliance Associates, Inc.

Marketing / PR Specialist

Samantha Kinsella

skinsella@pcrg.com

Samantha Kinsella joined Pacific Capital Resource Group, Inc. in October of 2015.

Samantha attended Cascadia Community College where she graduated with her Associates degree in General Studies. She then moved to Palm Desert, California for a change of scenery and continued her education online at Western Governors University.

As Marketing/PR Specialist, Samantha helps with recruiting efforts, social media engagement and contract & licensing support.

Samantha’s interests and hobbies include spending time with family and friends, attending Seattle sporting events, listening to country music and traveling.

Samantha Kinsella is not affiliated with Royal Alliance Associates, Inc.

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 a million dollars, the first three things I would buy would be a long vacation to Tahiti, build a dream house on a big piece of land, and buy a vacation home in Hawaii that my entire family could spend time at!

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

On a typical Saturday night, most people can find me at home, having family/friends over for a dinner and game night!

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

I would definitely choose a beach! I love the beauty of mountains so I’ll be sure to choose a beach with mountains in the distance.

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

I would wish for family to stay healthy and live forever, someone to do my hair, make up and pick out my outfits every day, and to be able to travel the world for a few months each year!

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

I would tell my 18-year-old self to enjoy every moment and not worry about trying to plan out your future so much - everything will always work out! Also - enjoy alllll the cheese and ice cream, because soon your body will decide it can’t handle it anymore!! Ha!

"WE RISE BY LIFTING OTHERS."

kjonson@pcrg.com

kfukuchi@pcrg.com

fpohina@pcrg.com

gcollins@pcrg.com

Learn More About Me

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

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

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

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

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

jwhitehead@pcrg.com

Learn More About Me

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

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

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

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

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

nrhodes@pcrg.com

Learn More About Me

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

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

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

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

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

zmeissner@pcrg.com

awilson@pcrg.com

www.aprilwilsonfinancial.com

snicol@pcrg.comwww.snwealthadvisor.com

sjonson@pcrg.com

Learn More About Me

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

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

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

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

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

mheffel@pcrg.com

Learn More About Me

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

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

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

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

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

hansari@pcrg.com

Learn More About Me

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

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

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

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

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

mstanley@pcrg.com

tsoh@pcrg.com

agray@pcrg.com

aabbott@pcrg.com

ajarman@pcrg.com

Learn More About Me

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

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

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

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

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

aturner@pcrg.com

bheath@pcrg.com

ccampbell@pcrg.com

ccapellas@pcrg.com

Professional Overview

Areas of Specialization & Philosophy

Comprehensive planning areas include:

Personal Interests

snicol@pcrg.com
www.snwealthadvisor.com