# Navigate Financial LLC

> Navigate Financial LLC is an SEC-registered investment advisory firm in Salt Lake City, UT, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated January 30, 2026.

- CRD: 325945
- Filed as: NAVIGATE FINANCIAL LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Salt Lake City, UT
- Filing period: October 2026
- Form ADV filing dated: January 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/325945
- AdvisorCensus page: https://advisorcensus.com/firm/navigate-financial-llc-salt-lake-city-ut-325945

## Quick answers

**How is Navigate Financial LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Navigate Financial LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; subscription fees (for a newsletter or periodical); fixed fees (other than subscription fees).

**Where is Navigate Financial LLC located?**
Navigate Financial LLC's principal office is in Salt Lake City, UT, according to its Form ADV.

**Is Navigate Financial LLC registered with the SEC or a state?**
Navigate Financial LLC is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 325945.

**How much does Navigate Financial LLC manage?**
Navigate Financial LLC reports $337,932,563 in regulatory assets under management in its Form ADV filing dated January 30, 2026 (24% discretionary).

**How have Navigate Financial LLC's assets and staff changed since 2023?**
In the Form ADV data for Navigate Financial LLC: Regulatory assets under management: $255,300,000 in the October 2023 data and $337,932,563 in the October 2026 data, up 32%. Total employees: 1 in October 2023 and 3 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Navigate Financial LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (115); pension and profit sharing plans (but not the plan participants or government pension plans) (38); high net worth individuals (6).

**Which custodians does Navigate Financial LLC use?**
Navigate Financial LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and The Standard as custodians holding 10% or more of its separately managed account assets.

**Does Navigate Financial LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/325945

**Does Navigate Financial LLC state an account minimum?**
Its Form ADV Part 2A brochure dated January 30, 2026 says: "Our firm does not impose asset minimum requirements for opening and maintaining accounts or otherwise engaging us."

**What changed in Navigate Financial LLC's recent Form ADV filings?**
In the February 2026 filing data: Regulatory assets under management went from $300,205,202 to $337,932,563 (+13%). Employees performing advisory functions went from 2 to 3.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Subscription fees (for a newsletter or periodical)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated January 30, 2026)

- Account minimum: None

> Our firm does not impose asset minimum requirements for opening and maintaining accounts or otherwise engaging us.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- The Standard

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $337,932,563
- Discretionary: $79,632,672
- Non-discretionary: $258,299,891

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 115 | $40,457,287 |
| High net worth individuals | 6 | $9,525,437 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 38 | $286,513,792 |
| Corporations or other businesses not listed above | 2 | $1,436,047 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Educational seminars/workshops

### Firm details
- Registered since: 2023 (3 years)
- Employees: 3 total, 3 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: NH, TX, UT
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- navigatefinancial.com
- Facebook @navigatefinancial
- Instagram @navigatefinancial
- LinkedIn @navigate-financial
- YouTube @NavigateFinancial

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $255,300,000 | 1 | July 27, 2023 |
| October 2024 | $268,376,848 | 2 | September 4, 2024 |
| October 2025 | $300,205,202 | 2 | February 18, 2025 |
| October 2026 | $337,932,563 | 3 | January 30, 2026 |

Regulatory assets under management: $255,300,000 in the October 2023 data and $337,932,563 in the October 2026 data, up 32%.
Total employees: 1 in October 2023 and 3 in October 2026.

## Changes in the filing (last 12 months)

### February 2026
- Regulatory assets under management went from $300,205,202 to $337,932,563 (+13%).
- Employees performing advisory functions went from 2 to 3.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Navigate Financial LLC (CRD 325945): Form ADV filing data as of October 2026.