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Why 5T Wealth? Thumbnail

Why 5T Wealth?

Insights Investment Retirement Funding

Hello,

I am excited to share my inaugural newsletter with you all. As part of my job here at 5T Wealth, I will be writing regularly to you about issues affecting Napa, California, and the businesses that make our economy thrive. These topics are extremely important to me and I’m excited to share my thoughts on these issues with all of you going forward. Before I begin, I thought I’d share more about who I am and why I chose to join 5T Wealth.

For the last several years, I’ve worked as a financial advisor for a large national organization. The experience gave me a strong foundation, but I often found myself wishing I could do more for clients. I wanted to be able to offer more investment flexibility, integrate more tax and estate strategies, and make decisions faster, without layers of corporate red tape. This ultimately means more personalized solutions, and better outcomes for the clients I am fortunate enough to serve. 

5T Wealth offers me the environment to accomplish these goals. 5T’s boutique, independent, and family office services appeal to me. Paul and I got to know each other through Leadership Napa Valley, it became very clear to us that our values aligned, as does our desire to put clients first, and more than that, treat them like family. What does being boutique and independent mean in practice? It means we’re free from the constraints of Wall Street firms or broker-dealers. We don’t push products, and we are not subject to firm-driven sales quotas. Instead, we have the freedom to design strategies that truly align with each client’s values, goals, and legacy.

Even more, 5T provides services that go beyond investment management. We help clients coordinate across tax planning, insurance, estate planning, and business succession, acting as the centerpiece of their financial lives. This holistic approach was exactly what I wanted to deliver to the families and business owners I serve.

5T Wealth also provides family office services to high-net-worth families that ensure the entire families financial, personal, philanthropic, and legacy goals are managed in a cohesive and sustainable way across generations. In short, we provide families control, customization, privacy, security, and continuity. 

This decision was also about where I want to build my practice. I was born and raised in Napa, and my family has been a part of this community for generations. My great grandparents planted their roots (literally, starting with fruit tree orchards before planting vineyards) some 80 years ago. Both my wife’s and my family own small businesses, in Napa, mostly in the construction industry. We have seen many changes and much of the growth of this valley firsthand. Today, we are raising our two young boys here, and I remain involved in local organizations and the community because I have seen how important it is to give back to the next generation. I have always known we live in a special place – though it took me leaving for a few years to fully appreciate – and I know I want to be a part of the continued growth and success of our home. 

Looking ahead, I’ll be sharing ideas, updates, and insights with a focus on the local economy and planning issues, especially around small business ownership. You can expect future editions to feature commentary on the local and state economy, along with profiles of important developments, and those making them happen, in the Napa Valley and across California. My goal is to keep you informed about the broader forces shaping our businesses, families, and financial lives. 

Thank you for following along on this journey. I’m excited about what lies ahead and grateful to be able to share it with all of you.

Warmly,

Colton

Colton B Maher
5T Wealth, LLC
Main (707) 224-1340
595 Coombs St
Napa, CA 94559

Disclosure and Disclaimer - Updated last on March 20, 2024 by Paul Krsek: 

ELLUMINATION is the proprietary newsletter written for clients, friends, and affiliates of 5T WEALTH, LLC (5T), which is an SEC registered investment advisor. Information presented is for educational purposes only. The information does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and are not guaranteed. 5T has reasonable belief that this letter does not include any false or material misleading statements or omissions of facts regarding services or investments. 5T has reasonable belief that the content as a whole will not cause an untrue or misleading implication regarding the adviser’s services, investments, or client experiences.  

The opinions expressed are those of the author and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of the author. They may differ from the views or opinions expressed by other areas of 5T and are only for general informational purposes as of the date indicated.

5T has presented information in a fair and balanced manner. 5T is not giving tax, legal, or accounting advice.  

Past performance should not be considered an indicator of potential future performance. If you do not consider yourself suitable, either emotionally or financially, to experience volatility and/or losses in financial markets, you should not invest. The portfolio managers at 5T do not guarantee investment results.

Charts, displays and graphs may be used as illustrations. They are not intended to be used by themselves to determine which securities to buy or sell, or when to buy or sell them. Such charts and graphs offer limited information and can’t be used on their own to make investment decisions.  

ELLUMINATION does not represent the opinions of Fidelity, Fidelity Institutional Brokerage Group, NFS or anyone employed by Fidelity in any capacity. Neither Fidelity, Fidelity Institutional Brokerage Group, nor NFS, nor anyone employed by Fidelity in any capacity has participated in the creation of ELLUMINATION and they are not responsible for the contents or distribution of ELLUMINATION.

ELLUMINATION does not represent the opinions of Charles Schwab Corporation, Schwab Advisor Services or anyone employed by Schwab in any capacity. Neither Charles Schwab Corporation nor Schwab Advisor Services, nor anyone employed by Schwab in any capacity has participated in the creation of ELLUMINATION and they are not responsible for the contents or distribution of ELLUMINATION.  

The investment objectives of various strategies mentioned in ELLUMINATION may be substantially different from one another. Therefore topics or investments mentioned in ELLUMINATION may or may not apply to specific managed accounts and/or strategies. If you are unsure which strategies your accounts are invested in please ask a representative of 5T to clarify that for you.  

The assets held in managed accounts at 5T may include stocks, bonds, cash, commodities, foreign exchange, mutual funds or exchange traded funds (ETF's), money market accounts or limited partnerships that represent the same. They are subject to market fluctuation and the potential for losses. The assets are not insured. The value and income produced by these investment products may fluctuate, so that an investor may get back less than they initially invested.