Investment Philosophy

Our Investment Philosophy

As certified financial planners and 20 years of investment management, we lean on financial science to create and manage investment portfolios for clients around the country.

as-seen-on-robert-pagliarini
top-financial-advisor-irvine-ca-financial-planning

We’re as far from Wall Street as you can get

Literally and figuratively. Our office is in Irvine, California - but we provide investment management to clients across the county. Here's how we are different in our investment philosophy.

Traditional Financial Firm

  • Active Trading
  • Investing may rely on hunches
  • High fees
  • Timing the market
  • Pure investment focus
  • Creates noise
  • Expensive offices
  • Lots of marketing
  • Put themselves first
  • Cookie cutter
  • Lip service to planning
  • Fines and lawsuits
  • No specialty
  • Conflicts of interest
  • Creates own products
  • Layers of staff between client and advisor

Pacifica Wealth Advisors

  • Smart Indexing
  • Academic evidence-based approach
  • Fair fees
  • Time in the market
  • Comprehensive focus
  • We block out the noise from WS
  • We invest money where it matters
  • We invest our time where it matters
  • As fiduciaries, we put our clients first
  • Highly customized for each client
  • Planning first mentality
  • No regulatory issues
  • We serve only specific clients
  • We only serve our clients
  • Objective and can invest anywhere
  • Direct relationship with advisor
Fiduciary Financial Planner Irvine

We are true fiduciaries.

This means we always put our client’s best interests first. A true fiduciary also means that we are not part-time fiduciaries. We put our client’s best interests first in all cases and at all times. Less than 8% of financial advisors are true fiduciaries. Read our fiduciary oath to see the principles we live by.

An enduring belief in the power of markets

Our investment approach is based on a belief in markets. Rather than attempting to predict the future or outguess others, we draw information about expected returns from the market itself— leveraging the collective knowledge of millions of buyers and sellers as they set security prices.

Trusting markets to do what they do best—drive information into prices—frees us to spend time where we believe we have an advantage, namely in comprehensive financial planning, how we design and manage portfolios, and how we service our clients. We take a less subjective, more systematic approach to investing—an approach we can implement consistently and investors can understand and stick with, even in challenging market environments.

investement-financial-advisor-irvine-ca
financial-insights-financial-planner

Applying insights from financial science

Our investment approach is grounded in economic theory and backed by decades of empirical research. Research has shown that securities offering higher expected returns share certain characteristics. We structure broadly diversified portfolios that emphasize these dimensions while addressing the tradeoffs that arise when executing portfolios.

Every day our investment partners seek to balance costs against expected returns and diversification. As a team, we work for the slightest expected gain, as every incremental improvement can add up over time.

Pursuing a better investment experience

Investing is about providing a successful investment experience. That means more than just returns. It means offering peace of mind because investors know that a transparent process backed by decades of research is powering every decision. For more than two decades, we’ve seen the difference our investment approach has made in people’s lives. Our goal is to help people live better—not just years from now, but today.

investement-management-irvine-ca

Meet the Investment Manager

Robert is passionate about helping people manage their investment portfolios. He’s the founder of Pacifica Wealth Advisors and has over 20 years of experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

robert-pagliarini-financial-advisor-orange-county-irvine-financial-planner

Meet the investment manager

Robert is passionate about helping people manage their investment portfolios. He’s the founder of Pacifica Wealth Advisors and has over 20 years of experience as a retirement financial advisor.

You may have seen him on Katie Couric, Dr. Phil or Good Morning America as an expert in finances. Robert is a certified financial planner as well as a CFP® Ambassador, one of only 50 in the country!

Pacifica Wealth Advisors