# Navigation Wealth Management

> Navigation Wealth Management is an SEC-registered investment advisory firm in Fort Collins, CO, registered since 2020, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 11, 2026.

- CRD: 282640
- Filed as: NAVIGATION WEALTH MANAGEMENT
- Legal name: Navigation Wealth Management, Inc.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Fort Collins, CO
- Filing period: October 2026
- Form ADV filing dated: March 11, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/282640
- AdvisorCensus page: https://advisorcensus.com/firm/navigation-wealth-management-fort-collins-co-282640

## Quick answers

**How is Navigation Wealth Management compensated?**
On its Form ADV (Item 5.E, October 2026), Navigation Wealth Management reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**How much does Navigation Wealth Management charge?**
Its Form ADV Part 2A brochure dated February 26, 2026 states: Hourly rate: $225 an hour (Financial Planning Services); Flat fee: $2,000 (Financial Planning Services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Navigation Wealth Management located?**
Navigation Wealth Management's principal office is in Fort Collins, CO, according to its Form ADV; the April 2026 filing also lists 1 other office (Schedule D, Section 1.F).

**Is Navigation Wealth Management registered with the SEC or a state?**
Navigation Wealth Management is an SEC-registered investment advisory firm, registered since 2020. Status as filed: Approved. CRD 282640.

**How much does Navigation Wealth Management manage?**
Navigation Wealth Management reports $103,175,002 in regulatory assets under management in its Form ADV filing dated March 11, 2026 (100% discretionary).

**How have Navigation Wealth Management's assets and staff changed since 2021?**
In the Form ADV data for Navigation Wealth Management: Regulatory assets under management: $125,550,451 in the October 2021 data and $103,175,002 in the October 2026 data, down 18%. Total employees: 8 in October 2021 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Navigation Wealth Management serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (940); high net worth individuals (14); corporations or other businesses not listed above (7).

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

**Does Navigation Wealth Management 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/282640

**Does Navigation Wealth Management state an account minimum?**
Its Form ADV Part 2A brochure dated February 26, 2026 says: "Navigation does not require a minimum to open an account."

**What changed in Navigation Wealth Management's recent Form ADV filings?**
In the March 2026 filing data: Regulatory assets under management went from $127,745,098 to $103,175,002 (-19%). Employees performing advisory functions went from 10 to 8.

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Fees and minimums (Form ADV Part 2A brochure dated February 26, 2026)

- Account minimum: None

> Navigation does not require a minimum to open an account.

- Hourly rate: $225 an hour (Financial Planning Services)

> Financial Planning Services are offered based on a negotiable hourly rate of $225 per hour.

- Flat fee: $2,000 (Financial Planning Services)

> Financial Planning Services are offered based on a negotiable flat fee of $2,000, based on the complexity of the plan and the client’s needs.

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.
- Nationwide Securities, LLC

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: $103,175,002
- Discretionary: $103,175,002
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 940 | $78,351,093 |
| High net worth individuals | 14 | $24,299,131 |
| Charitable organizations | 1 | $98,228 |
| Corporations or other businesses not listed above | 7 | $426,550 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2020 (5 years)
- Employees: 8 total, 8 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AZ, CA, CO, FL, ID, KS, MO, NM, TX, WY
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Cheyenne, WY

### Websites listed on Form ADV (Item 1.I)
- [navwm.com](https://navwm.com)
- Facebook @NavigationWealthManagement
- LinkedIn @navwm
- X @NavigationWM

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $125,550,451 | 8 | September 2, 2021 |
| October 2022 | $119,296,022 | 9 | June 7, 2022 |
| October 2023 | $124,068,319 | 8 | October 3, 2023 |
| October 2024 | $139,982,350 | 10 | August 21, 2024 |
| October 2025 | $127,745,098 | 11 | February 21, 2025 |
| October 2026 | $103,175,002 | 8 | March 11, 2026 |

Regulatory assets under management: $125,550,451 in the October 2021 data and $103,175,002 in the October 2026 data, down 18%.
Total employees: 8 in October 2021 and 8 in October 2026.

## Changes in the filing (last 12 months)

### March 2026
- Regulatory assets under management went from $127,745,098 to $103,175,002 (-19%).
- Employees performing advisory functions went from 10 to 8.

### December 2025
- Employees performing advisory functions went from 11 to 10.
- Added an office in Cheyenne, WY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Navigation Wealth Management (CRD 282640): Form ADV filing data as of October 2026.