Fee-only adviser · Salt Lake City, UT
Navigate Financial LLC
Navigate Financial LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with its main office in Salt Lake City, Utah. On its latest Form ADV, filed January 30, 2026, it reports $338M in regulatory assets under management, 121 individual clients and 3 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.
Key facts from Form ADV
| Registration | SEC-registered |
|---|---|
| Firm CRD number | 325945 · SEC file 801-128078 |
| Office | 999 E. Murray Holladay RD Suite 202 Salt Lake City, UT 84117 |
| Phone | (801) 905-1644 |
| Website | navigatefinancial.com |
| Regulatory assets under management | $338M ($80M discretionary) |
| Individual clients | 115 non-high-net-worth, 6 high-net-worth |
| Financial planning clients | 101-250 |
| How it charges | Percentage of assets, Hourly, Fixed fee, Subscription |
| Services | Financial planning, Portfolio management, Pension consulting, Educational seminars |
| Employees | 3 |
| Disciplinary disclosures | None reported |
| Latest Form ADV filing | January 30, 2026 |
Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.
What this means for you
- It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
- It also charges a percentage of assets managed for ongoing investment management.
- Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
- It provides financial planning services, not only portfolio management.
- It reports no disciplinary history on Form ADV.
Before you hire any adviser
Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.
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See all 33 fee-only advisers in Salt Lake City →
Nearby
- Holladay 3 firms
- Millcreek 1 firm
- Cottonwood Heights 5 firms
- Midvale 1 firm
- West Valley 1 firm
- Sandy 7 firms
- West Jordan 1 firm
- South Jordan 5 firms
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