John has a bachelor’s degree from UCLA and a Juris Doctorate from the University of San Diego School of Law. He holds the CERTIFIED FINANCIAL PLANNER™ certification as well as licenses in securities, real estate, and multiple forms of insurance.John has managed client investment accounts since 2000 and managed or co-managed accounts as part of Pacific Capital Associates since 2003. His diverse background enables him both to manage clients’ investments and to provide them with comprehensive financial advice, ensuring that the various components of their financial lives are in place and working together in the most efficient manner possible.