5T Wealth provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, family office services, insurance, philanthropic planning, retirement plan services, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
5T Wealth reports 297 clients. They include 206 individual clients, 64 high-net-worth individuals, and 18 pension and profit-sharing plans. Of its assets, 99.8% ($331M across 532 accounts) are managed with discretion; $602K across 1 account is not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 69% | 19% |
| High-net-worth individuals | 22% | 70% |
| Pension and profit-sharing plans | 6% | 2% |
| Charitable organizations | 1% | 8% |
| Other | 2% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 206 | $62.4M | 18.8% | $303K |
| High-net-worth individuals | 64 | $232M | 69.9% | $3.62M |
| Pension and profit-sharing plans | 18 | $7.41M | 2.2% | $412K |
| Charitable organizations | Fewer than 5 | $27.3M | 8.2% | $6.83M |
| Other | 5 | $2.48M | 0.7% | $496K |
| Total | 297 | $331M | 100% | — |
- Clients
- 206
- Regulatory AUM
- $62.4M
- AUM share
- 18.8%
- Avg. per client
- $303K
- Clients
- 64
- Regulatory AUM
- $232M
- AUM share
- 69.9%
- Avg. per client
- $3.62M
- Clients
- 18
- Regulatory AUM
- $7.41M
- AUM share
- 2.2%
- Avg. per client
- $412K
- Clients
- Fewer than 5
- Regulatory AUM
- $27.3M
- AUM share
- 8.2%
- Avg. per client
- $6.83M
- Clients
- 5
- Regulatory AUM
- $2.48M
- AUM share
- 0.7%
- Avg. per client
- $496K
Total
- Clients
- 297
- Regulatory AUM
- $331M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
5T Wealth is paid through a percentage of assets under management, hourly charges, fixed fees (other than subscription fees) and other compensation. The reviewed brochures do not disclose an asset-based fee rate. Read the SEC-filed brochure. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Family Office Services
- Family office services are billed quarterly in advance on a permanent fee schedule set after an initial 90-day period with a monthly service charge.
- Financial Planning and Consulting
- Financial planning and consulting are billed hourly at $200 to $450, depending on the advisor, or as an annual fixed fee paid in monthly installments.
- Variable Annuity Advisory Services
- Advice on variable annuity contracts is charged an annual investment advisory fee of 1.00% of the assets subject to the advisory arrangement.
Paul Krsek owns 25% to 50% of 5T Wealth. Paul Krsek is CEO; the leadership team includes Chief Investment Officer Christopher Roth, Chief Financial Officer Margaret Krsek and Chief Compliance Officer Hien Scozzafava. It has 4 employees.
Leadership
- Paul KrsekChief Executive Officer (CEO)
- Margaret KrsekChief Financial Officer (CFO)
- Hien ScozzafavaChief Compliance & Client Services Officer (CCO/Cso)
- Christopher RothChief Investment Officer
Investment adviser representatives
4 representatives listed in the SEC register as of 9 October 2026.
- Jackie Lou Daclan D'Avolio-Raquidan
- Paul James Krsek
- Colton Bradley Maher
- Christopher Steven Roth
Staff
- 4 employees
- 4 in advisory functions
- 4 state-registered reps
- 3 insurance agents
- 1 soliciting firm
- Owns 25% to 50% of 5t Wealth, LLC
Paul Krsek
Control person · since June 1998
- Owns 25% to 50% of 5t Wealth, LLC
Margaret Krsek
Control person · since January 2009
- Owns 25% to 50% of 5t Wealth, LLC
Christopher Roth
Control person · since January 2024
- Owns 10% to 25% of 5t Wealth, LLC
Hien Scozzafava
Control person · since July 2016
5T Wealth’s regulatory assets grew 1.6× from $213M (March 2021) to $331M (August 2026); clients rose from 132 to 297 and employees fell from 6 to 4.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $331M | 297 | 4 | 1 |
| July 2025 | $283M | 258 | 3 | 1 |
| March 2024 | $216M | 178 | 3 | 1 |
| March 2023 | $195M | 129 | 6 | 1 |
| January 2022 | $218M | 126 | 6 | 1 |
| March 2021 | $213M | 132 | 6 | 1 |
Besides its headquarters, 5T Wealth has 0 offices, with 1 listed address in California.
California · 1 listed address
- 595 Coombs Street, NapaHQ
Other business names
5T Wealth has reported 1 other business name to the SEC.
- 5t Wealth
Contact and registration details
- Legal name
- 5t Wealth, LLC
- Headquarters
- 595 Coombs Street, Napa, CA 94559
- Website
- 5twealth.com
- Phone
- 707-224-1340
- @5t-wealth-management-llc
- SEC file
- 801-58183
- Founded
- 1998
- Structure
- California LLC
- Fiscal year end
- December
5T Wealth uses Fidelity ($323M, 98%) and Charles Schwab ($6.62M, 2%) as custodians for its separately managed accounts. 5T Wealth has custody of $2.64M in client assets for 17 clients.
- FidelityNational Financial Services LLC · Boston, MA · $323M98%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $6.62M2%
At year end, 5T Wealth’s separately managed accounts were mostly in funds (93%). Its reported 13F holdings for the quarter ended 30 June 2026 total $269M across 134 positions; the largest are J P Morgan Exchange Traded F (6.7%), iShares TR (6.4%) and iShares TR (4.1%).
What the accounts hold
- Stocks5%
- Funds93%
- Registered funds78%
- Pooled vehicles15%
- Bonds1%
- Cash1%
Reported 13F holdings
- $269M
- Reported 13F value
- 134
- Positions
- 37.2%
- In the 10 largest
- +6.1%
- Value vs. prior quarter
- J P Morgan Exchange Traded F · Betabuildrs US6.7%
- iShares TR · Core Univrsl Usd6.4%
- iShares TR · Core S&P500 ETF4.1%
- iShares TR · MSCI USA Qlt Fct4.0%
- J P Morgan Exchange Traded F · Core Plus BD ETF3.4%
- Capital Group Growth ETF · Shs Creat Unit2.9%
- Blackrock ETF Trust · iShares US Equit2.6%
- iShares TR · S&P 500 Val ETF2.5%
- J P Morgan Exchange Traded F · US Momentum2.4%
- Blackrock ETF Trust · Isha IN Ctry ETF2.2%
Together, the ten largest are 37.2% of reported value.
How many clients does 5T Wealth have?
5T Wealth has 297 clients and manages $331 million for them, as of August 2026. They include 206 individual clients, 64 high-net-worth individuals, and 18 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 5 August 2026
What services does 5T Wealth offer?
5T Wealth provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, selecting other managers, publishing newsletters, educational seminars, education planning, estate planning, family office services, insurance, philanthropic planning, retirement plan services, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
Which custodians does 5T Wealth use?
5T Wealth’s separately managed account assets are held at National Financial Services LLC (Boston, MA), with $323M and Charles Schwab & Co., Inc. (Westlake, TX), with $6.62M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 5 August 2026
How many financial advisors does 5T Wealth have?
5T Wealth has 4 investment adviser representatives registered with state securities authorities, out of 4 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 3 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does 5T Wealth invest in?
At the end of its last fiscal year, 5T Wealth’s separately managed accounts held 78% registered funds (mutual funds, ETFs, BDCs), 15% pooled vehicles (private funds and similar), 5% exchange-traded equities, 1% U.S. government and agency bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns 5T Wealth?
5T Wealth’s direct owners are Paul Krsek, Margaret Krsek, Hien Scozzafava and Christopher Roth, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 5 August 2026
How does 5T Wealth get paid?
5T Wealth is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is 5T Wealth registered with the SEC?
Yes, 5T Wealth has been registered with the SEC as an investment adviser since 1 July 2003. Its CRD number is 112552 and its SEC file number is 801-58183.
Source: Form ADV Part 1A, Item 1, filed 5 August 2026; IAPD firm record
How do I contact 5T Wealth?
5T Wealth’s main office is at 595 Coombs Street, Napa, CA 94559. Its phone number is 707-224-1340. Its website is 5twealth.com.