NAV Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
NAV Financial, LLC is a state-registered advisory firm that serves a small client base of six clients, including high-net-worth individuals, charitable organizations, and corporations. The firm offers comprehensive financial planning—producing written plans that address cash flow, retirement, estate and tax planning, business planning, insurance, and investment analysis—but does not provide ongoing investment management or custody of client assets.
The firm delivers client work through individualized financial plans and Investment Policy Statements and bills for planning work on an hourly basis; when it provides investment analysis, that analysis typically reflects modern portfolio theory and passive investment strategies, while clients implement transactions through custodians they select. NAV also consults with clients’ outside professionals (attorneys, accountants) at the client’s request and charges for those consultations as part of its planning engagements.
What is noteworthy about NAV is the firm’s explicit absence of portfolio management services and percentage-of-assets-under-management fee arrangements, a structure that differs from most independent advisers and leaves NAV without assets under management. The principal’s technical background and a disclosed advisory relationship with an AI software company (Fin Pods AI Inc.)—which NAV may use only with client informed consent and for which alternative options are offered—are also singled out in the brochure as potential conflicts that the firm addresses through disclosure and client choice.
Client services
Expertise
Fee options
Up to $250 per hour for financial planning services; billed for meetings with outside professionals
Fee-only: Hourly fee up to $250 per hour based on nature and complexity of client circumstances; negotiable in certain cases
Main office
San Francisco CA
Advisors at this office
1
Most active in
California
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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