# EDGAR Filing Document

**Accession Number:** 0001803523
**File Stem:** 0001803523-26-000001
**Filing Date:** 2026-1
**Character Count:** 11886
**Document Hash:** 7612f3e1442b81a0fc23e089717a9f95
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001803523-26-000001.hdr.sgml**: 20260126

**ACCESSION NUMBER**: 0001803523-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260126

**DATE AS OF CHANGE**: 20260126

**EFFECTIVENESS DATE**: 20260126

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Pacific Capital Wealth Advisors, Inc.
- **CENTRAL INDEX KEY:** 0001803523

**ORGANIZATION NAME:**
- **EIN:** 453253157
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20100
- **FILM NUMBER:** 26561142

**BUSINESS ADDRESS:**
- **STREET 1:** 1861 CALIFORNIA AVENUE
- **STREET 2:** SUITE 101
- **CITY:** CORONA
- **STATE:** CA
- **ZIP:** 92881
- **BUSINESS PHONE:** 844-777-8777

**MAIL ADDRESS:**
- **STREET 1:** 1861 CALIFORNIA AVENUE
- **STREET 2:** SUITE 101
- **CITY:** CORONA
- **STATE:** CA
- **ZIP:** 92881

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** PACIFIC CAPITAL WEALTH ADVISORS, INC
- **DATE OF NAME CHANGE:** 20200213

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Pacific Capital Wealth Advisors Inc.<br>**Address:** 1861 CALIFORNIA AVENUE<br>SUITE 101<br>CORONA, CA 92881

**Form 13F File Number:** 028-20100

**CRD Number (if applicable):** 000159294

**SEC File Number (if applicable):** 801-80494

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Chad Willardson<br>**Title:** Founder / President<br>**Phone:** 844-777-8777

**Signature, Place, and Date of Signing:**

/s/ Chad Willardson  Corona, CA  01-26-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 79

**Form 13F Information Table Value Total:** $583530668

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 502565 | 1606 | SH |  | SOLE |  | 0 | 0 | 1606 |
| AMAZON COM INC | COM | 023135106 |  | 1127819 | 4886 | SH |  | SOLE |  | 0 | 0 | 4886 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 417674 | 1129 | SH |  | SOLE |  | 0 | 0 | 1129 |
| AMERICAN WTR WKS CO INC NEW | COM | 030420103 |  | 308894 | 2367 | SH |  | SOLE |  | 0 | 0 | 2367 |
| ANGEL STUDIOS INC | CL A COM | 034948109 |  | 187818 | 40218 | SH |  | SOLE |  | 0 | 0 | 40218 |
| APPLE INC | COM | 037833100 |  | 4523513 | 16639 | SH |  | SOLE |  | 0 | 0 | 16639 |
| BROADCOM INC | COM | 11135F101 |  | 219774 | 635 | SH |  | SOLE |  | 0 | 0 | 635 |
| CHUBB LIMITED | COM | H1467J104 |  | 375168 | 1202 | SH |  | SOLE |  | 0 | 0 | 1202 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 853694 | 990 | SH |  | SOLE |  | 0 | 0 | 990 |
| ELI LILLY  CO | COM | 532457108 |  | 477158 | 444 | SH |  | SOLE |  | 0 | 0 | 444 |
| FIDELITY COMWLTH TR | NASDAQ COMPSIT | 315912808 |  | 4879937 | 53391 | SH |  | SOLE |  | 0 | 0 | 53391 |
| GODADDY INC | CL A | 380237107 |  | 799696 | 6445 | SH |  | SOLE |  | 0 | 0 | 6445 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 294137 | 993 | SH |  | SOLE |  | 0 | 0 | 993 |
| INVESCO EXCHANGE TRADED FD T | AEROSPACE DEFN | 46137V100 |  | 313260 | 2000 | SH |  | SOLE |  | 0 | 0 | 2000 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1964065 | 10253 | SH |  | SOLE |  | 0 | 0 | 10253 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 43950008 | 71544 | SH |  | SOLE |  | 0 | 0 | 71544 |
| ISHARES GOLD TR | ISHARES NEW | 464285204 |  | 6953996 | 85672 | SH |  | SOLE |  | 0 | 0 | 85672 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 10016730 | 99788 | SH |  | SOLE |  | 0 | 0 | 99788 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 564717 | 9828 | SH |  | SOLE |  | 0 | 0 | 9828 |
| ISHARES TR | CORE 60/40 BALAN | 464289867 |  | 344748 | 5303 | SH |  | SOLE |  | 0 | 0 | 5303 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 43521241 | 486488 | SH |  | SOLE |  | 0 | 0 | 486488 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 1235763 | 8311 | SH |  | SOLE |  | 0 | 0 | 8311 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2170078 | 21727 | SH |  | SOLE |  | 0 | 0 | 21727 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 392379 | 4086 | SH |  | SOLE |  | 0 | 0 | 4086 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 7182745 | 19234 | SH |  | SOLE |  | 0 | 0 | 19234 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1548164 | 3271 | SH |  | SOLE |  | 0 | 0 | 3271 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 2628004 | 10676 | SH |  | SOLE |  | 0 | 0 | 10676 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 311778 | 2209 | SH |  | SOLE |  | 0 | 0 | 2209 |
| ISHARES TR | TIPS BD ETF | 464287176 |  | 222678 | 2026 | SH |  | SOLE |  | 0 | 0 | 2026 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 248109 | 770 | SH |  | SOLE |  | 0 | 0 | 770 |
| KNIGHT-SWIFT TRANSN HLDGS IN | CL A | 499049104 |  | 595574 | 11392 | SH |  | SOLE |  | 0 | 0 | 11392 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 297428 | 521 | SH |  | SOLE |  | 0 | 0 | 521 |
| MCDONALDS CORP | COM | 580135101 |  | 232279 | 760 | SH |  | SOLE |  | 0 | 0 | 760 |
| META PLATFORMS INC | CL A | 30303M102 |  | 991537 | 1502 | SH |  | SOLE |  | 0 | 0 | 1502 |
| MICROSOFT CORP | COM | 594918104 |  | 1984819 | 4104 | SH |  | SOLE |  | 0 | 0 | 4104 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 932839 | 5002 | SH |  | SOLE |  | 0 | 0 | 5002 |
| PACS GROUP INC | COM SHS | 69380Q107 |  | 789298 | 20560 | SH |  | SOLE |  | 0 | 0 | 20560 |
| PENNANT GROUP INC | COM | 70805E109 |  | 213236 | 7575 | SH |  | SOLE |  | 0 | 0 | 7575 |
| RTX CORPORATION | COM | 75513E101 |  | 364966 | 1990 | SH |  | SOLE |  | 0 | 0 | 1990 |
| SAP SE | SPON ADR | 803054204 |  | 241938 | 996 | SH |  | SOLE |  | 0 | 0 | 996 |
| SCHWAB STRATEGIC TR | 5 10YR CORP BD | 808524698 |  | 562535 | 24490 | SH |  | SOLE |  | 0 | 0 | 24490 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1272029 | 28136 | SH |  | SOLE |  | 0 | 0 | 28136 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 4588371 | 190864 | SH |  | SOLE |  | 0 | 0 | 190864 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 450663 | 17969 | SH |  | SOLE |  | 0 | 0 | 17969 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 1071330 | 43961 | SH |  | SOLE |  | 0 | 0 | 43961 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 708206 | 27000 | SH |  | SOLE |  | 0 | 0 | 27000 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 13662818 | 498098 | SH |  | SOLE |  | 0 | 0 | 498098 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 3007825 | 92208 | SH |  | SOLE |  | 0 | 0 | 92208 |
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 |  | 880171 | 29725 | SH |  | SOLE |  | 0 | 0 | 29725 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 3895315 | 144753 | SH |  | SOLE |  | 0 | 0 | 144753 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 2087245 | 99916 | SH |  | SOLE |  | 0 | 0 | 99916 |
| SCHWAB STRATEGIC TR | US TIPS ETF | 808524870 |  | 1360085 | 51343 | SH |  | SOLE |  | 0 | 0 | 51343 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 660125 | 8498 | SH |  | SOLE |  | 0 | 0 | 8498 |
| SELECT SECTOR SPDR TR | STATE STREET HEA | 81369Y209 |  | 320900 | 2073 | SH |  | SOLE |  | 0 | 0 | 2073 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 |  | 217406 | 5388 | SH |  | SOLE |  | 0 | 0 | 5388 |
| SPDR INDEX SHS FDS | DJ GLB RL ES ETF | 78463X749 |  | 241847 | 5372 | SH |  | SOLE |  | 0 | 0 | 5372 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 186770678 | 273889 | SH |  | SOLE |  | 0 | 0 | 273889 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 7942691 | 263003 | SH |  | SOLE |  | 0 | 0 | 263003 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 14886562 | 162908 | SH |  | SOLE |  | 0 | 0 | 162908 |
| STRATEGY INC | CL A NEW | 594972408 |  | 4420074 | 29089 | SH |  | SOLE |  | 0 | 0 | 29089 |
| TAKE-TWO INTERACTIVE SOFTWAR | COM | 874054109 |  | 625481 | 2443 | SH |  | SOLE |  | 0 | 0 | 2443 |
| TESLA INC | COM | 88160R101 |  | 1839612 | 4091 | SH |  | SOLE |  | 0 | 0 | 4091 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 14582563 | 187244 | SH |  | SOLE |  | 0 | 0 | 187244 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 76433776 | 1031913 | SH |  | SOLE |  | 0 | 0 | 1031913 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 15342710 | 173384 | SH |  | SOLE |  | 0 | 0 | 173384 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1974205 | 3148 | SH |  | SOLE |  | 0 | 0 | 3148 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 15349810 | 45783 | SH |  | SOLE |  | 0 | 0 | 45783 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 1267633 | 6637 | SH |  | SOLE |  | 0 | 0 | 6637 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 620276 | 10350 | SH |  | SOLE |  | 0 | 0 | 10350 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 27079825 | 323341 | SH |  | SOLE |  | 0 | 0 | 323341 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 2318229 | 29076 | SH |  | SOLE |  | 0 | 0 | 29076 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 1657018 | 13610 | SH |  | SOLE |  | 0 | 0 | 13610 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 27472802 | 191421 | SH |  | SOLE |  | 0 | 0 | 191421 |
| VANGUARD WORLD FD | MEGA CAP VAL ETF | 921910840 |  | 296295 | 2099 | SH |  | SOLE |  | 0 | 0 | 2099 |
| VISA INC | COM CL A | 92826C839 |  | 1059671 | 3022 | SH |  | SOLE |  | 0 | 0 | 3022 |
| WALMART INC | COM | 931142103 |  | 593592 | 5328 | SH |  | SOLE |  | 0 | 0 | 5328 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 200901 | 1905 | SH |  | SOLE |  | 0 | 0 | 1905 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 209234 | 2245 | SH |  | SOLE |  | 0 | 0 | 2245 |
| WORLD GOLD TR | SPDR GLD MINIS | 98149E303 |  | 419935 | 4919 | SH |  | SOLE |  | 0 | 0 | 4919 |

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