Navigoe, LLC

Navigoe serves high‑net‑worth and individual clients, business owners, and pension/profit‑sharing plans, providing discretionary wealth management, financial planning, retirement plan consulting, and trust representative support. The firm operates a phased, concierge onboarding process (discovery, implementation, then ongoing “Stay the Course” reviews) and typically provides biannual meetings plus ad‑hoc access as needed.

Investment management emphasizes strategic asset allocation based on Modern Portfolio Theory, implemented mainly through mutual funds and ETFs with discretionary supervision and rebalancing, and the firm may engage sub‑advisors as appropriate. Navigoe also uses a specialist for bond ladder structuring, coordinates tax planning with clients’ tax professionals, and commonly recommends custodians such as Charles Schwab and National Advisors Trust.

Noteworthy distinctions for a firm of this size include a small advisory team (two advisors) overseeing roughly $408 million in client assets across about 155 clients, producing a relatively high assets‑per‑advisor ratio. The firm also uses client testimonials and cites third‑party ratings in its advertising—practices that are uncommon among peers—and operates as a Trust Representative Office of National Advisors Trust, with a firm principal holding a de minimis equity interest in that trust company; Navigoe maintains a written trade‑error reimbursement policy.