Financial Planning Navigators provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, business succession planning, education planning, estate planning, insurance, and philanthropic planning. Financial planning was provided to 251–500 clients last fiscal year.
Financial Planning Navigators reports 433 clients. They include 342 individual clients, 70 high-net-worth individuals, and 19 corporations and other businesses. Of its assets, 100.0% ($355M across 1,653 accounts) are managed with discretion. A wrap fee program the firm both sponsors and manages holds $112M. It advised 7 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 79% | 40% |
| High-net-worth individuals | 16% | 54% |
| Charitable organizations | <1% | 1% |
| Corporations and other businesses | 4% | 5% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 342 | $143M | 40.4% | $419K |
| High-net-worth individuals | 70 | $190M | 53.6% | $2.72M |
| Charitable organizations | Fewer than 5 | $4.68M | 1.3% | $2.34M |
| Corporations and other businesses | 19 | $16.7M | 4.7% | $879K |
| Total | 433 | $355M | 100% | — |
- Clients
- 342
- Regulatory AUM
- $143M
- AUM share
- 40.4%
- Avg. per client
- $419K
- Clients
- 70
- Regulatory AUM
- $190M
- AUM share
- 53.6%
- Avg. per client
- $2.72M
- Clients
- Fewer than 5
- Regulatory AUM
- $4.68M
- AUM share
- 1.3%
- Avg. per client
- $2.34M
- Clients
- 19
- Regulatory AUM
- $16.7M
- AUM share
- 4.7%
- Avg. per client
- $879K
Total
- Clients
- 433
- Regulatory AUM
- $355M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 7
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Financial Planning Navigators charges 0.40%–1.50% a year for its Investment Management Services. The fee is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Ongoing planning is an upfront charge of $3,000 to $15,000 plus $150 to $1,000 a month, paid in advance; project-based planning is a fixed fee of $3,000 to $15,000.
Jason Hetland owns 50% to 75% of Financial Planning Navigators. The leadership team of Financial Planning Navigators includes Chief Compliance Officer Jason Hetland. It has 8 employees, 5 of them in advisory roles.
Staff
- 8 employees
- 5 in advisory functions
- 5 state-registered reps
- Owns 50% to 75% of Financial Planning Navigators Corp
Jason Hetland
Control person · since August 2024
- Owns 50% to 75% of Financial Planning Navigators Corp
Julie Hetland
Control person · since August 2024
Financial Planning Navigators’ regulatory assets grew from $289M (February 2025) to $355M (January 2026); clients were 433 in both filings and employees were 8 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Jan 2026January 2026 | $355M | 433 | 8 | 1 |
| Feb 2025February 2025 | $289M | 413 | 8 | 1 |
Besides its headquarters, Financial Planning Navigators has 0 offices, with 1 listed address in 1 state.
Minnesota · 1 listed address
- 7365 Kirkwood Court N, Suite 330, Maple GroveHQ
Contact and registration details
- Legal name
- Financial Planning Navigators Corp
- Headquarters
- 7365 Kirkwood Court N, Suite 330, Maple Grove, MN 55369
- Website
- fpnavigators.com
- Phone
- 763-265-4450
- @financial-planning-navigators
- SEC file
- 801-131251
- Founded
- 2024
- Structure
- Minnesota corporation
- Fiscal year end
- December
Financial Planning Navigators’ named custodians for separately managed accounts are LPL Financial ($219M, 66%) and Charles Schwab ($112M, 34%). Financial Planning Navigators has custody of $22.1M for 26 clients.
- LPL FinancialLPL Financial LLC · Fort Mill, SC · $219M66%
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $112M34%
At year end, Financial Planning Navigators’ separately managed accounts were mostly in funds (84%) and stocks (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $267M across 70 positions; the largest are Vanguard Index Fds (23.2%), Vanguard Tax-managed Fds (19.0%) and Schwab Strategic TR (10.1%).
What the accounts hold
- Stocks10%
- Funds84%
- Bonds5%
- Cash1%
- Other1%
- Fixed income, securities issues by pooled investment vehicles, investment grade corporate bonds, derivatives, non exchange-traded securities, etc.1%
How many clients does Financial Planning Navigators have?
Financial Planning Navigators has 433 clients and manages $355 million for them, as of January 2026. They include 342 individual clients, 70 high-net-worth individuals, and 19 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 27 January 2026
What services does Financial Planning Navigators offer?
Financial Planning Navigators provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, business succession planning, education planning, estate planning, insurance, and philanthropic planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Financial Planning Navigators charge?
Financial Planning Navigators charges 0.40%–1.50% a year for its Investment Management Services. The fee is negotiable.
Which custodians does Financial Planning Navigators use?
Financial Planning Navigators’ separately managed account assets are held at LPL Financial LLC (Fort Mill, SC), with $219M and Charles Schwab & Co., Inc. (Westlake, TX), with $112M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 January 2026
How many financial advisors does Financial Planning Navigators have?
Financial Planning Navigators has 5 investment adviser representatives registered with state securities authorities, out of 8 employees, and 5 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Financial Planning Navigators invest in?
At the end of its last fiscal year, Financial Planning Navigators’ separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 10% exchange-traded equities, 5% state and local bonds, 1% cash and equivalents and 1% other. The 1% other category is described as: Fixed Income, Securities Issues by Pooled Investment Vehicles, Investment Grade Corporate Bonds, Derivatives, Non Exchange-Traded Securities, Etc.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Financial Planning Navigators?
Financial Planning Navigators’ direct owners are Jason Hetland (50% to 75%) and Julie Hetland (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 27 January 2026
How does Financial Planning Navigators get paid?
Financial Planning Navigators is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Financial Planning Navigators?
Financial Planning Navigators’ main office is at 7365 Kirkwood Court N, Suite 330, Maple Grove, MN 55369. Its phone number is 763-265-4450. Its website is fpnavigators.com.