Navigator Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Navigator Financial provides fee-only financial planning and investment management to individuals, trusts, and estates. Services include personalized portfolio management on a discretionary or non-discretionary basis and standalone financial planning engagements offered on hourly, fixed-fee, or ongoing arrangements.
The firm’s approach emphasizes individualized asset allocation informed by methods such as fundamental and technical analysis, and includes comprehensive planning topics such as retirement and Social Security optimization, pension election analysis, tax and cash‑flow planning, debt and divorce planning, college funding, and legacy planning. Navigator Financial states it operates under a fiduciary standard, does not sell commissioned products, and will only facilitate insurance or product recommendations without accepting commissions.
Compared with peers, the firm operates at a very small scale—managing a limited number of client relationships with roughly $4.1 million in assets—and does not impose a formal account minimum while offering a family‑pricing arrangement that reduces fees for additional relatives tied to a primary family relationship. The brochure also discloses specific governance features that are less common, including a five‑day personal trading blackout around client trades, the option for the firm to vote proxies only on matters with clear economic effect, and a minimum monthly account review cadence with more frequent monitoring in volatile markets.
Client services
Expertise
Fee options
Fixed fees range from $1,000 to $10,000 based on complexity.
$0 - $1,000,000: 0.75% annually $1,000,000 - $5,000,000: 0.50% annually $5,000,000+: 0.40% annually
$100 to $200 per hour depending on complexity.
Ongoing service fees negotiated individually, not to exceed $10,000 annually, charged quarterly in arrears.
Fee-only: Financial planning included free for clients with $100,000+ AUM; financial planning also offered on fixed fee, hourly fee, or ongoing service fee basis.
Main office
Farmington CT
Advisors at this office
1
Most active in
Connecticut
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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