Navigoe, LLC

Navigoe serves high‑net‑worth and individual clients, business owners, and retirement plans, providing fee‑only wealth management, financial planning, and discretionary investment management as well as 401(k) plan advisory and related ERISA fiduciary guidance. Client engagements begin with a complimentary introductory meeting and are governed by a written agreement that outlines the scope of services and implementation responsibilities.

The firm uses a multi‑phase onboarding and implementation process — described in the brochure as “Charting Your Course,” “Welcome Aboard,” and “Setting Sail” — and then moves clients into a customizable Wealth Management process with regular semiannual reviews and ad hoc meetings as needed. Investment management is driven by strategic asset allocation informed by Modern Portfolio Theory, implemented primarily through mutual funds and ETFs on a discretionary basis, and the firm will work with sub‑advisers (for example, Arkadios Capital for bond laddering) when appropriate.

Navigoe’s marketing materials include third‑party ratings and client testimonials, a practice the firm discloses and which is uncommon among similar supported advisers. The firm also documents a range of engagement formats (planning‑only, advisory arrangements, retainer options) and an explicit trade‑error policy that reimburses losses and applies net gains against future errors, which are notable operational details relative to peers.