Built for every stage of the journey.
TrailGuide is built for 401(k) participants wherever they are on the path — helping you make informed decisions and build lasting financial confidence.
1. Typical minimum account size for advisors who charge an asset-based fee, per Kitces Research, How Financial Planners Actually Do Financial Planning (reported by SmartAsset). 63% of asset-based-fee advisors report a minimum; $100,000 is the typical figure. Minimums vary widely by advisor type and firm; this figure illustrates an industry norm and is not a statement about any specific firm.
In the accumulation phase, we build and manage a portfolio matched to your goals, timeline, and risk tolerance, and review it with you as things change.
As retirement nears, we help structure the shift from saving to drawing income, and walk through the decisions that come with it.
Through market swings and Required Minimum Distributions, we manage the portfolio and keep the plan current.
Three steps down the trail.
We start with a conversation about your goals, timeline, and risk tolerance — to understand where you are and where you want to go.
We design a portfolio tailored to your situation, held securely on the Altruist platform with full transparency.
We actively manage your investments and keep you informed, adjusting your strategy as your needs evolve over time.
Guidance you can feel confident in.
Your portfolio is managed by experienced professionals focused on long-term growth and risk management.
Assets are held with Altruist, a leading-edge custodian known for its technology and transparency.
We demystify retirement income planning, Required Minimum Distributions, and investment allocation.
A natural next step for Navigate 401K participants — continuity and trusted advice.
Built for the accumulation phase — and beyond.
Designed for savers with $25,000–$300,000 in investable assets, TrailGuide brings value early and grows with you. As your assets grow past $300,000, we step you up to our sister firm, Navigate Wealth.
What's your next step?
Your retirement journey is unique. Do you have a plan to turn your savings into a reliable income stream? A brief conversation is the first step toward clarity and confidence.
Navigate 401K is a Registered Investment Adviser. This material is for informational purposes only and is not a recommendation or a substitute for individualized tax, legal, or investment advice. Investing involves risk, including possible loss of principal; past performance is no guarantee of future results. Use of Altruist may involve separate fees not charged by Navigate. See our Form ADV Part 2A for full details on services, fees, and conflicts of interest.