THE TEAM
JONATHAN HOLTAWAY
PRESIDENT
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Jonathan Holtaway
President
Jon is the President of Ategra Capital Management, LLC, a company he co-founded in May 2005. He also was co-founder of 1st Portfolio Holding Corporation, a fee-based financial services company, which opened in 2009 and was sold to WashingtonFirst Bankshares in 2015 (WashingtonFirst sold to Sandy Spring Bancorp in 2018). Jon is currently Director of Hawthorn Bancshares Inc. (HWBK), a publicly-listed bank holding company.
Jon has been a bank investor and advisor since 1992 when he joined Danielson Associates, Inc. (merged with Ambassador Financial Group, Inc. in 2011), a Rockville, Maryland based firm where he was an Associate, Senior Vice President and Partner. His expertise includes merger advisory, equity valuation and strategic planning.
Jon has presented at bank industry conferences including the Pennsylvania Bankers Association and the Virginia Bankers Association. He is a graduate of the University of Pennsylvania’s Wharton School of Business with a B.S in Economics and a B.A. in History. In 2013, he authored the book – The Growth Penalty: Unfinished Business, Banking and the American Recovery. He lives in Vienna, Virginia with his wife and three children.
EDUCATION
University of Pennsylvania -
The Wharton School 1992
PRIOR EXPERIENCE
1st Portfolio Holding Corp.
Founder and Director
2009 – 2015
Danielson Associates
Partner 1997 – 2001
Associate 1992 – 1997
JACQUES REBIBO
CHAIRMAN
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Jacques Rebibo
Chairman
Jacques is Chairman of Ategra Capital Management, LLC. He joined the company in 2010.
Mr. Rebibo has been a community bank investor for over 30 years. He entered the banking industry in 1985 when he invested in and joined the board of a de novo bank, Fairfax Bank & Trust. After ten years of operation, Fairfax Bank & Trust was sold to F&M Bancorp, which was subsequently acquired by BB&T. In 1999 Mr. Rebibo was an organizing director and became Chairman for nine years of Access National Bancorp (ANCX), which grew to $3 billion assets before selling to Union Bankshares in 2018 for $610 million.
In 2009, Mr. Rebibo co-founded and was Chairman of 1st Portfolio Holding Corporation, a residential mortgage and wealth management company. 1st Portfolio was sold to WashingtonFirst Bankshares (WFBI) in 2015, and WashingtonFirst Bankshares was acquired by Sandy Spring Bancorp (SASR) in 2018.
EDUCATION
University of Maryland
Graduate School
M.A. Mathematics
1966
Memphis State University
College of Arts and Sciences
B.S. Mathematics
1962
PRIOR EXPERIENCE
1st Portfolio Holding Corp.
Founder and Chairman
2009 – 2014
Access National Bank
Organizing Director and Chairman
1999 – 2008
MICHAEL P. DUPREY
EXECUTIVE VICE PRESIDENT
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Michael P. Duprey
Executive Vice President
Mr. Duprey has 19 years of wealth management and financial planning experience. He previously advised individual investors, trusts, small businesses and foundations at 1st Portfolio Wealth Advisors. In his practice he focuses on a diversified, global, multi-asset strategy and income generation.
Mr. Duprey has been in the asset management industry since 1999, when he joined the Equity Syndicate Team at Morgan Stanley. At Morgan Stanley he was involved in wealth management, brokerage, institutional money management and small business lending. Mr. Duprey also worked in the Private Wealth Group of Charles Schwab & Co.
Mr. Duprey has served on the boards of several charitable and social organizations in Virginia.
EDUCATION
Wayne State University
M.A. Education
1999
The University of Iowa
B.A. Sociology
1994
PRIOR EXPERIENCE
1st Portfolio Holding Corp.
Wealth Advisor
2012 – 2017
Charles Schwab & Co.
Certified Financial Planner
2001 – 2011
Morgan Stanley, Equity Syndicate Team
Financial Advisor
CARL BIGGS
DIRECTOR
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Carl Biggs
DIRECTOR
Carl is a Director of Ategra Capital Management, LLC and is the founder/CEO of C&E Services Incorporated, an environmental company specializing in water treatment and steam generation. Formed in 1987 C&E has served a wide variety of customers from Virginia's Shenandoah Valley to Wilmington, Delaware to Fort Worth, Texas as well as the Department of State at various overseas locations. C&E Services provides hundreds of chemical products, engineering services, and water treatment systems.
Currently, Carl is a Director of Trustar Bank of Great Falls, Virginia and formerly he was a Director of 1st Portfolio Holding Corp., a wealth management and mortgage lending company sold to WashingtonFirst Bank in 2015. Carl served on the INOVA Board of Trustees for twelve years. INOVA includes Fairfax Hospital, Fair Oaks Hospital, Inova Loudoun Hospital, Mount Vernon Hospital, Fairfax Hospital for Women and Children and Alexandria Hospital.
Carl is a founding member and Chairman of the Board of the Community Coalition for Haiti (CCH). This coalition of doctors, administrators and community leaders works to improve the health conditions of Haitians. CCH currently operates a medical clinic in Jacmel, Haiti, and CCH provides clean water for the hospital in Pignon, Haiti. Carl also has served as Chairman of the Board of Trustees of the John Leland Center for Theological Studies, a Christian institution of higher education.
A graduate of the University of North Carolina, Chapel Hill, Carl received a Master of Science in Public Health. He also holds a Bachelor of Science in Biology from North Carolina Central University. Carl is a resident of Vienna, Virginia and Wilmington, North Carolina.
EDUCATION
C&E Services Inc.
Founder and Chief Executive Officer
PRIOR EXPERIENCE
Trustar Bank
1st Portfolio Holding Corp.
INOVA Board of Trustees
Community Coalition for Haiti
KRISTYNA NEPIVODOVA
PRINCIPAL
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Kristyna Nepivodova
PRINCIPAL
Kristyna is a Principal with Ategra Capital Management and joined the company in 2015.
Kristyna is the senior analyst for Ategra’s private funds and generates the research used to identify positions that fit Ategra’s core strategy. She executes the firm’s trading for both its private funds and for Ategra Private Wealth’s managed accounts. She maintains relationships with the management teams of the firm’s portfolio companies and maintains oversight of the performance of each investment. She participates in the regular review of the company’s existing portfolio and attends bank industry conferences offering private meetings with bank management teams.
Kristyna is a member of the Rotary Club of Vienna. She is still a competitive tennis player, she had played for her college team and doubles in the WTA Citi Open.
Kristyna has a Master’s of Business Administration from the University of the District of Columbia and B.A. degree in Economics. She is actively pursuing the CFA designation.
EDUCATION
University of the District of Columbia –
School of Business and Public Administration
M.B.A.
2015
ISABELLE J. CROUZET
DIRECTOR OF CLIENT SERVICES
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Isabelle J. Crouzet
DIRECTOR OF CLIENT SERVICES
Isabelle is the Director of Client Services for Ategra Capital Management, LLC and joined the firm in November 2017.
Ms. Crouzet has been a client-focused manager for most of her career. Immediately before joining Ategra Capital, Isabelle was Director of Client Relations and Operations at 1st Portfolio Wealth Services in Fairfax, Virginia, a fee-based financial services company. Prior to her work in financial services, Isabelle managed Morton’s of Chicago in Tyson’s Corner for seven years and was a principal at a catering firm.
A longtime resident of McLean, Virginia where she raised her family, Isabelle is active in her community and has managed charitable events, which have raised more than $100,000 for worthy causes. When she isn’t working, Ms. Crouzet enjoys fine foods and travel. She is bi-lingual in Spanish.
EDUCATION
1st Portfolio Wealth Advisors
Director of Client Relations and Operations
2012 - 2017
NEVIN KAUL
VICE PRESIDENT
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Nevin Kaul
VICE PRESIDENT
Mr. Kaul has over 14 years of experience managing assets, construction portfolios and establishing comprehensive retirement plans for individual investors and business owners. Prior to joining Ategra Capital Management, Mr. Kaul was with 1st Portfolio Wealth Advisors, where he was a specialist in customized corporate retirement strategies for private medical practices and business owners. Currently, Mr. Kaul provides clients with overall financial planning and advice which includes budgeting, retirement income strategies, portfolio management, estate and tax planning. Mr. Kaul also provides business owners with tax deferral using customized 401(k) and Cash Balance corporate retirement plans.
Mr. Kaul began his career in wealth management at Citi Smith Barney/Morgan Stanley working with clients to align their assets to clearly defined financial goals and mitigate risk. Mr. Kaul was a founding principal in a private government technical contracting business where he founded the commercial development arm of the firm and grew the business to over $16 million in annual revenue.
EDUCATION
The University of Texas at Arlington
B.S. Geology / Mathematics
1985
Keller Graduate School
M.B.A.
2001
PRIOR EXPERIENCE
1 st Portfolio Wealth Advisors
Associate Portfolio Manager
2012 – 2017
Oppenheimer & Co.
2011 – 2012
Morgan Stanley Smith Barney
Financial Advisor
2005 – 2011
THURSTON SPAULDING JR
VICE PRESIDENT
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Thurston Spaulding
VICE PRESIDENT
Mr. Spaulding is Vice President at Ategra Capital Management and joined the firm in May 2019. Prior to joining Ategra, Thurston was the COO and Managing Director of Capital Fiduciary Advisors, LLC, the Registered Investment Adviser subsidiary of Access National Corporation. Thurston led a financial team who managed in excess of $150 million of assets on behalf of individuals, families, small businesses, professional practices, and a variety of Trusts.
Thurston has over 27 years of experience in financial services including comprehensive financial planning, risk & insurance expertise, executive compensation, estate conservation, and business exit strategies. All of Thurston’s activities have been focused on helping individuals, families, professionals, and business owners plan for their wealth and capital needs.
Thurston holds a Master of Science degree from the University of Hartford’s Barney School of Business and received his Bachelor of Science from Guilford College in 1985, which included academic study in risk management and insurance from the University of North Carolina at Greensboro.
EDUCATION
University of Hartford
Barney School of Business
M.S.I. Insurance & Finance
1994
Guilford College
B.S. Management
1985
PRIOR EXPERIENCE
Capital Fiduciary Advisors, LLC
Registered Investment Advisor
Managing Director and Chief Compliance Officer
2014 – 2019
Dondero & Associates, Limited
Registered Investment Advisor
Supervising Principal and Senior Financial Planner
2005 – 2014
DOLAN FITZGERALD
SENIOR ASSOCIATE
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Dolan Fitzgerald
VICE PRESIDENT
Dolan is an Associate with Ategra Capital Management and joined the firm’s private wealth team in 2018. Dolan supports the firm’s wealth advisers in research, risk analysis and maintenance of client relationships. He also performs risk and insurance analysis on a fee only basis for those private and corporate clients with complex insurance needs.
Prior to joining Ategra, Dolan was with Northwestern Mutual, where he held life and health licenses and series 6 and 63 licenses. A longtime resident of Northern Virginia, Dolan coaches youth softball and is an avid baseball player and fan.
Dolan is a graduate of the University of Southern Carolina. He has a Bachelor of Science in Business Administration and Finance.
EDUCATION
The University of South Carolina
B.S. Business Administration / Finance
2016