Chad Willardson is the President and Founder of Pacific Capital, a fiduciary wealth management firm focused on helping families build clarity, confidence, and long-term financial freedom. He is a Certified Financial Fiduciary®, Accredited Wealth Management Advisor (AWMA®), and Chartered Retirement Planning Counselor (CRPC®), and a five-time best-selling author of Stress Free Money, Smart, Not Spoiled, Beyond the Money, Fit for Wealth, and Wealth Wired Differently. He is also the co-founder of GravyStack, an innovative banking app designed to teach kids real-world money skills.