One platform, three levels of service, one advisor.
If you affiliate with Navigate rather than run your own RIA, you don't have to choose which segment of client you can serve. Plan participants come in through the 401(k). Smaller households are served on TrailGuide. When one grows into full planning, you step them up to Navigate Wealth instead of referring them away.
Every tier runs on the same custodian, planning tools, compliance supervision, and billing — so a step-up is a change in service level and fee schedule, not a transition the client has to survive.
A $40K rollover and a $2M household can both be your client, served at the level each one needs.
Custody, models, planning software, disclosures, and supervision are already built. You don't buy a tech stack to move upmarket.
Your payout reflects the work at each level and rises with the relationship as it steps up.
Entry, step-up, and everything in between.
A client's tier is a function of balance, complexity, and what they want from an advisor — not a hard cutoff. These bands are where each model is designed to work.
Guided wealth management for the mass affluent — investment management, planning, and a real advisor at a price that works at this balance.
Service model: Digital-first, model portfolios, scheduled check-ins.Full financial planning and investment management for higher-balance households — the tier a client moves into when guided advice stops being enough.
Service model: Comprehensive planning, tailored portfolios, ongoing advisor relationship.Where a plan came through a partner advisor with their own wealth practice, qualified households route to that firm rather than stepping up with us.
Service model: Warm introduction, tracked and attributed to the referring firm.Bands are design ranges, not eligibility rules. The step-up threshold for your book is set with you and reviewed as your practice grows.
Four reasons a client moves up.
Contributions, market growth, a rollover, or an inheritance pushes the household past the guided range.
Equity compensation, a business sale, rental property, or estate and tax questions that need real planning work.
The client wants a plan they can revisit — retirement income, education funding, insurance and legacy — not just a portfolio.
They ask for more advisor time and a deeper relationship, regardless of what the balance says.
A change in service, not a transfer.
You hold the relationship. We hold everything else.
Moving a client up a tier usually means new planning work, new deliverables, and new compliance obligations. On our platform those are already staffed.
Payout differs by tier and by affiliation model, and is agreed in writing before you bring your first client on. Any split figures you've seen in a partnership presentation were built for that specific opportunity — treat them as illustrative, not as a published schedule.
Grow a wealth book without building a firm.
Tell us what your book looks like today. We'll walk through the tiers, the platform, and the payout so you can see what affiliating would change.