Navigate 401K
Navigate 401K / Navigate Wealth
Navigate Wealth

Wealth, expertly guided.

Navigate Wealth is the independent, fee-only wealth-management sister firm to Navigate 401K — built to bring clarity, coordination, and genuine peace of mind to your financial life.

A Navigate 401K sister firm Scroll
Our purpose

The whole point is peace of mind.

Tens of thousands of stocks, funds, and headlines make managing wealth overwhelming. Our singular passion is to study, edit, and siphon the very best choices into a long-term, comprehensive plan customized to you.

We advise clients to make wise decisions that align their assets with their values and goals — so their wealth works in service of their life, and their legacy, rather than the other way around.

01 | Who we serve

Clients in a moment of transition.

Most of our clients are over 50 with $1–$10 million in investable assets. What they share is a common thread: the desire for peace of mind.

In financial transition

Stepping into retirement, a business sale, or a move to more personal management.

Business owners near exit

Owners planning to transition their business within about five years.

Stewards to family

Clients who want to care well for heirs and leave a lasting legacy.

Value confidentiality

Individuals who insist on absolute discretion with their financial affairs.

Seeking clarity

People who feel overwhelmed and want confidence in every financial decision.

Graduating savers

TrailGuide and 401(k) participants whose assets have grown into full wealth management.

02 | How we work

A process built on conversation.

A straightforward series of face-to-face meetings lays the groundwork for a customized plan — and keeps it on track for the life of the relationship.

1
Discovery meetingWe meet, understand your situation and goals, and decide together whether Navigate is the right fit.
2
Investment plan meetingWe present specific recommendations and a course of action toward your goals.
3
Mutual commitment meetingWe review the documents needed to begin — the point where the plan turns into action.
4
45-day follow-upWe tie up loose ends, review statements in detail, and confirm everything is in place.
5
Ongoing progress meetingsQuarterly or semi-annual reviews, quarterly written reports, and an annual review — available whenever you need us.
03 | What we help with

Everything, coordinated in one plan.

01 Wealth management

Investment management, financial planning, and relationship management delivered together in one consultative process.

02 Investment management

Portfolios built around your tolerance for risk and the returns needed to reach your goals — with discipline and a long-term view.

03 Financial planning

A coordinated plan across the four areas clients need most: tax minimization, wealth transfer, wealth protection, and charitable giving.

04 Relationship management

We coordinate with your accountant, attorney, and other professionals so everyone works toward the same objectives.

Independent advice

Fee-only advice — like your personal CFO.

Navigate Wealth is an independent adviser with no products to sell. We're fee-only — paid solely by our clients, never by commissions — and your assets are held with a qualified custodian, so you keep overview, control, and security.

Fee-only Paid only by you — never by product commissions.
No products Recommendations made only in your best interest.
Qualified custodian Assets held independently, with statements direct to you.
Your CFO A single point of overview across your financial life.
04 | The ecosystem

One relationship that grows with you.

Navigate Wealth is the destination in the Navigate 401K journey — where plan participants and TrailGuide clients graduate as their assets grow. Same team, same values, from your first paycheck deferral to a full wealth plan.

Your plan Navigate 401K Workplace retirement plans and participant guidance.
$25K – $300K TrailGuide Foundational wealth during the accumulation phase.
$300K+ Navigate Wealth Full, comprehensive wealth management.

Let us help you.

Gain peace of mind with expert, independent guidance. Start with a conversation — we'll decide together whether Navigate Wealth is the right fit.