Paul Krsek is the founder and managing member of 5T Wealth Management, LLC (5T Wealth). He is the Chief Investment Officer of 5T Wealth and is primarily responsible for the management of the various model portfolios.

Mr. Krsek is also one of three organizers, and past-President of First California Northern Bancorp, a California bank holding company. First California Northern Bancorp was sold to Capitol Bancorp, LTD. (CBC) a public bank holding company whose stock trades on the NYSE under the symbol CBC. Mr. Krsek is also a cofounder of Napa Community Bank (NCB) in Napa, CA. A majority interest in NCB was sold to Capitol Bancorp, LTD (CBC) in 2005.

In 2010 CBC sold their entire interest in Napa Community Bank to Rabobank. Mr. Krsek currently serves as a non-voting advisory director to Rabobank, Napa.

Mr. Krsek is also co-founder and past-President of Predictive Financial Technologies, LLC (PFT) a hedge fund manager. PFT formed a joint venture with Olsen Data, of Zurich, Switzerland to manage foreign exchange funds in the United States. The two hedge funds formed by PFT have been profitably liquidated and all proceeds returned to the investors.

Mr. Krsek is also the founder and past-managing partner of Krsek Publishing, LP (KPLP) which owned and operated the St. Helena Star and Weekly Calistogan newspapers from 1997-2003. KPLP was sold to Pulitzer Publishing in 2003.

Prior to forming 5T Wealth in 1998, Mr. Krsek was employed from 1990-1998, by Edward Jones & Co., an NYSE member firm based in St. Louis, Missouri.

Mr. Krsek was employed from 1983-1989 by Angeles Corporation in Los Angeles, California. From 1985-1989 he served as President, CEO, and Director of Angeles Securities Corporation. He also served as Executive Vice President and Director of Angeles Corporation, the parent company, a publicly held diversified financial services firm which managed approximately $4.4 billion in stock, bond, and real estate assets.

After leaving Angeles Corporation in 1989 Mr. Krsek moved to the Napa Valley where he has lived and worked ever since. He has become an integral member of the community, having served on many non-profit boards, and in various service capacities, including his personal favorite, the St. Helena Rotary Club. He is a frequent guest speaker for business groups in the Napa and Sonoma Valleys and author of several articles that have appeared in various newspapers and periodicals. He is also the author of 5T Wealth's periodic newsletter called Ellumination.

Mr. Krsek has a BA in Sociology from Shippensburg University of Pennsylvania and is a graduate of the Executive Management Program of the Anderson Graduate School of Management at UCLA. He is married; has three children; and currently resides in Napa, CA.

Meghan Krsek is a member of 5T Wealth and serves as Chief Compliance Officer and Controller of 5T Wealth. She is responsible for all internal accounting, financial management, and SEC compliance for 5T Wealth. She works closely with the accounting firm of Brotemarkle, Davis & Co. in the annual preparation of all financial reporting and tax filings for 5T Wealth.

Meghan is also responsible for all investment and portfolio performance reporting. She currently uses Portfolio Center software, developed by Schwab Performance Technologies to provide accurate and timely investment performance measurement for the portfolio managers at 5T Wealth; as well as timely performance reporting to clients of 5T Wealth. Portfolio Center allows us to provide "Time Weighted Return" (TWR) calculations to our clients. TWR is the standard of accounting and performance measurement adopted by the CFA Institute to provide consistent and reliable performance measurement.

The CFA Institute's Global Investment Performance Standards (GIPS®) for performance reporting are ethical standards to be used by investment managers for creating performance presentations that ensure fair representation and full disclosure. Global standardization of investment performance reporting will allow investors to compare investment managers and will allow managers to compete for new business in foreign markets.

Prior to joining 5T Wealth, Mrs. Krsek was controller for Dalla Terra, a Napa, CA company that imports specialty Italian wines to the United States for distribution.

Professional memberships include the Institute of Management Accountants (IMA) and American Society of Women Accountants (ASWA). She is also a Rotary Paul Harris Fellow.

On an ongoing basis, Meghan gives back to her community through personal involvement and the dedication of her firm's resources. When she is not assisting the partners or keeping abreast of new accounting and tax issues, she enjoys participating in global coral reef research and spending time with her family and friends. She has traveled the world photographing life under the sea.

Mrs. Krsek holds a Bachelor of Science degree in accounting from Sonoma State University in Sonoma, CA.

Lee O'Dwyer, CFA joins Paul Krsek in the management of all client investment portfolios based on 5T Wealths various proprietary model portfolio strategies.

Prior to joining 5T Wealth, Mr. O'Dwyer was a partner at Sonz Partners Holdings, a hedge fund with offices in Clearwater FL and Napa CA. There, he was responsible for fundamental equity analysis, trading, portfolio strategy, and partner relations. From 1996 he also served as Managing Director for the fund's investment advisor. In this capacity, he oversaw all legal, tax and administrative aspects of the firm, developed an unmatched knowledge of the industry and a complete understanding of alternative investments.

Originally from England, Lee has lived in the United States since 1993. After moving to Napa from Marin County with his wife in 1998, he is proud to have made Napa his home and raised a family here. He is very active within his children's school and currently serves as an advisor to its non-profit fund raising group. When he is not reading the latest economic news or company annual reports, you'll find him spending time with his two children or on the golf course.

Mr. O'Dwyer, CFA was awarded the charter by the CFA Institute in 2010 and holds an Honors degree from the University of Wales, Aberystwyth in International Relations, with minors in Economics and Accounting.

Sandy Durden is the Operations & Compliance Officer at 5T Wealth.  Since joining 5T Sandy has demonstrated a wide variety of skills that has made her an invaluable member of the team while providing operational support to both our asset management and wealth management service groups. Sandy works on larger projects, including statistical analysis, performance monitoring, communicating with clients related to performance of our investment models, compliance related issues and accounting services for our clients; as well as assisting the team with day to day operational and technical client support. 

Prior to joining the 5T Wealth team, she was the Client Services Manager at an event ticketing company, TicketWeb, and was the Box Office Manager at a local performing arts theater, the Lincoln Theater.

After moving to the Bay Area from Southern California in 1998, Ms. Durden made Napa her home in 2005 with her husband and young daughter.  They enjoy attending music and arts festivals, camping and exploring.

Ms. Durden attended California State University of Los Angeles. She is a registered Notary Public. 

Hien Scozzafava is the Client Service Representative at 5T. She has been working in the financial services field for over 15 years. Prior to joining the 5T team, she worked for a wealth management firm in Marin for 2 years and was with LPL Financial Services in Southern California for 13 years. As a Client Service Representative for 5T, she is our company's primary point of contact for all service related needs. She is responsible for establishing, maintaining and delivering exemplary service to our clients.

Hien lives in Marin with her husband and 2 young boys and enjoys spending time with her family and friends.

Rob Andreae retired from 5T Wealth Management, LLC (5T) on June 30, 2009, but continues to maintain a relationship as a consultant. He works on new business development, as a liaison to clients with whom he has had close working relationships in the past, as well as other projects.

Rob has served on many non-profit boards and continues to pursue these interests in retirement. He is a past president of the Community Foundation of the Napa Valley, past-President of St. Helena Rotary, past-chairman of the Rotary Winter Ball, Board Member and Finance Chair of the Children's Hospital of Oakland Foundation and the Chairman of the St. Helena Chamber of Commerce.

In 2006 Mr. Andreae was selected by the St. Helena Chamber of Commerce as The Citizen of the Year in recognition of his outstanding and long term contributions to the community.

He resides in St. Helena, California with his wife, Linda.