Navigator Financial LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$4,071,550
Total clients
6
100% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
6
Average account size
$678,592
About
Navigator Financial provides fee-only financial planning and investment management to individuals, trusts, and estates. Services include personalized portfolio management on a discretionary or non-discretionary basis and standalone financial planning engagements offered on hourly, fixed-fee, or ongoing arrangements.
The firm’s approach emphasizes individualized asset allocation informed by methods such as fundamental and technical analysis, and includes comprehensive planning topics such as retirement and Social Security optimization, pension election analysis, tax and cash‑flow planning, debt and divorce planning, college funding, and legacy planning. Navigator Financial states it operates under a fiduciary standard, does not sell commissioned products, and will only facilitate insurance or product recommendations without accepting commissions.
Compared with peers, the firm operates at a very small scale—managing a limited number of client relationships with roughly $4.1 million in assets—and does not impose a formal account minimum while offering a family‑pricing arrangement that reduces fees for additional relatives tied to a primary family relationship. The brochure also discloses specific governance features that are less common, including a five‑day personal trading blackout around client trades, the option for the firm to vote proxies only on matters with clear economic effect, and a minimum monthly account review cadence with more frequent monitoring in volatile markets.
Client services
Financial planning
Portfolio management
Expertise
Retirement income strategy
Social Security optimization
Retirement withdrawal strategies
Debt management
Cash flow / budgeting
Fee options
Fixed fees range from $1,000 to $10,000 based on complexity.
$0 - $1,000,000: 0.75% annually $1,000,000 - $5,000,000: 0.50% annually $5,000,000+: 0.40% annually
$100 to $200 per hour depending on complexity.
Ongoing service fees negotiated individually, not to exceed $10,000 annually, charged quarterly in arrears.
Fee-only: Financial planning included free for clients with $100,000+ AUM; financial planning also offered on fixed fee, hourly fee, or ongoing service fee basis.
Main office location
Navigator Financial LLC
11 Chiltern St
Farmington CT 06032, United States
Number of offices
1
Most active in
Navigator Financial LLC has reported serving >5 clients in these states in the last 12 months.
Connecticut
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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