Navigator Wealth Advisors

Navigator Wealth Advisors is an independent registered investment adviser that offers investment advisory and financial planning services to individuals, families, estates, trusts and businesses. The firm provides discretionary portfolio management and delivers written financial plans; financial planning is provided at no separate charge because the firm is compensated solely through asset-based advisory fees.

Navigator constructs personalized target asset allocations based on clients’ objectives, risk tolerance and time horizon and primarily implements portfolios through ETF model portfolios, with mutual funds, individual securities, and third‑party managers used as appropriate. Accounts are reviewed at least quarterly, rebalanced as needed, and managed on a discretionary basis with custody and execution services provided through a third‑party custodian relationship.

Several aspects of the brochure are noteworthy for a solo independent adviser: the ADV is described as an initial filing and the firm reports no current assets under management or clients, despite operating two offices. The firm also discloses that it does not vote client proxies, that the custodian/platform fee is included within its advisory arrangement, and that it may have limited custody due to fee‑deduction and standing letter of authorization arrangements — items prospective clients may wish to discuss further.