Navigation Group LLC

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Client assets under management

$930,255,466

Clients

330

77% high-net worth

Advisors

of 6 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

110

Very High

Average account size

$2,818,956

About

Navigation Group provides wealth planning, investment management, consulting and advisory referral services to individuals (including high-net-worth clients), pension and profit-sharing plans, investment companies and business entities. The firm manages approximately $1.012 billion in client assets—about $985.8 million discretionary and $26.3 million nondiscretionary—and also offers planning engagements billed on hourly or fixed-fee bases.

The firm employs a strategic asset allocation approach with annual rebalancing and limited tactical adjustments, using a mix of passive index funds and actively managed mutual and exchange-traded funds and evaluating managers on multi-period return, risk and turnover metrics. Navigation Group integrates investment management with coordinated wealth-planning work—risk management, tax and estate coordination, education funding and facilitated family wealth meetings—and may trade on a discretionary basis within client mandates.

Notable features include a relatively small advisory staff (three advisors) overseeing over $1 billion in assets and associated persons who are registered principals of LPL Financial and licensed insurance agents, which can give rise to broker-dealer and insurance compensation and referral relationships. The firm also offers less-common services such as post-mortem estate assistance and a Family Financial Philosophy process targeted at clients with more than $10 million, and it does not impose an account minimum.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Life insurance needs analysis Disability insurance Long-term care insurance

Fee options

Fixed

Estate Plan Annual Review: $275; Family Financial Philosophy Process: $2,500; Other fixed fees generally range from $2,500 to $10,000

Percentage

Negotiable between 0.40% to 1.90% annually

Commissions

Associated persons may receive brokerage commissions and insurance commissions through LPL Financial and insurance companies, respectively, but these are separate from advisory fees.

Project-based

$575/hour for financial planner, $225/hour for para-planner, $150/hour for post-mortem services

Other

Fee-only: Hourly fees: $575/hour for financial planner, $225/hour for para-planner, $150/hour for post-mortem services; Fixed fees: $275 for Estate Plan Annual Review, $2,500 for Family Financial Philosophy Process, other fixed fees generally range from $2,500 to $10,000

Main office location

Navigation Group LLC

3 Lagoon Drive, Suite 110

Redwood Shores CA 94065, United States

Number of offices

Most active in

California · Florida · New York · Oregon · Washington

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook YouTube Website 650-595-1700

Advisors at this firm

Karen F

Series 63, Series 66

Redwood Shores, CA

Navigation Group LLC

Karen Franco is a financial advisor with Navigation Group LLC in Redwood Shores, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has worked with LPL Financial LLC since 2006 and has been involved with Navigation Group, Inc. since 2003. Outside of her advisory roles, she is involved in operating Whispering Hills Horse Ranch. Navigation Group provides discretionary investment management and comprehensive wealth planning primarily for individual and high-net-worth households, as well as pension plans, business entities, and investment companies. The firm’s investment approach emphasizes strategic asset allocation with a combination of passive index funds and actively managed mutual funds or ETFs, coordinated with tax and estate planning considerations.

Life insurance needs analysis Disability insurance Long-term care insurance

Erik D

CFP®, Series 63

Redwood City, CA

Navigation Group LLC

Erik Davis is a CFP® professional with 33 years of industry experience. He has been with Navigation Group LLC since 2000 and is also associated with LPL Financial, LLC since 1998. Based in Redwood City, CA, he holds a Series 63 license. Navigation Group provides discretionary investment management and comprehensive wealth planning primarily for individual and high-net-worth households, along with pension plans and business entities. The firm’s investment approach emphasizes strategic asset allocation with a mix of passive index funds and actively managed mutual funds or ETFs, coordinated with tax and estate planning considerations.

Life insurance needs analysis Disability insurance Long-term care insurance

Carlo P

Series 63, Series 65

Redwood City, CA

Navigation Group LLC

Carlo Panaccione is a financial advisor with Navigation Group LLC in Redwood City, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Navigation Group since 1999 and LPL Financial since 1998. He has also participated as a paid speaker on practice management and tools at industry conferences. Navigation Group provides discretionary investment management and comprehensive wealth planning primarily for individual and high-net-worth households, as well as pension plans and business entities. The firm’s investment approach focuses on strategic asset allocation using a combination of passive index funds and actively managed mutual funds or ETFs, with periodic rebalancing and limited tactical adjustments.

Life insurance needs analysis Disability insurance Long-term care insurance

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