Navigate Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars. Financial planning was provided to 101–250 clients last fiscal year.
Navigate Financial reports 161 clients. They include 115 individual clients, 38 pension and profit-sharing plans, and 6 high-net-worth individuals. Of its assets, 23.6% ($79.6M across 256 accounts) are managed with discretion; $258M across 22 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 71% | 12% |
| High-net-worth individuals | 4% | 3% |
| Pension and profit-sharing plans | 24% | 85% |
| Corporations and other businesses | 1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 115 | $40.5M | 12.0% | $352K |
| High-net-worth individuals | 6 | $9.53M | 2.8% | $1.59M |
| Pension and profit-sharing plans | 38 | $287M | 84.8% | $7.54M |
| Corporations and other businesses | 2 | $1.44M | 0.4% | $718K |
| Total | 161 | $338M | 100% | $2.1M |
- Clients
- 115
- Regulatory AUM
- $40.5M
- AUM share
- 12.0%
- Avg. per client
- $352K
- Clients
- 6
- Regulatory AUM
- $9.53M
- AUM share
- 2.8%
- Avg. per client
- $1.59M
- Clients
- 38
- Regulatory AUM
- $287M
- AUM share
- 84.8%
- Avg. per client
- $7.54M
- Clients
- 2
- Regulatory AUM
- $1.44M
- AUM share
- 0.4%
- Avg. per client
- $718K
Total
- Clients
- 161
- Regulatory AUM
- $338M
- AUM share
- 100%
- Avg. per client
- $2.1M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 101–250
Navigate Financial is paid through a percentage of assets under management, hourly charges, subscription fees and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.
Benjamin Driggs owns 50% to 75% of Navigate Financial. The leadership team of Navigate Financial includes Chief Compliance Officer Benjamin Driggs. It has 3 employees.
Leadership
- Benjamin DriggsMember & Chief Compliance Officer
- Tiffany SmithMember
Investment adviser representatives
3 representatives listed in the SEC register as of 9 October 2026.
- Dennis Milton Bassett III
- Benjamin West Driggs
- Matthew John Phillips
Staff
- 3 employees
- 3 in advisory functions
- 3 state-registered reps
- Owns 50% to 75% of Navigate Financial LLC
Benjamin Driggs
Control person · since June 2023
- Owns 50% to 75% of Navigate Financial LLC
Tiffany Smith
Control person · since June 2023
Navigate Financial’s regulatory assets grew from $255M (July 2023) to $338M (January 2026); clients rose from 137 to 161 and employees from 1 to 3.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| January 2026 | $338M | 161 | 3 | 1 |
| February 2025 | $300M | 157 | 2 | 1 |
| March 2024 | $267M | 133 | 2 | 1 |
| July 2023 | $255M | 137 | 1 | 1 |
Besides its headquarters, Navigate Financial has 0 offices, with 1 listed address in Utah.
Utah · 1 listed address
- 999 E. Murray Holladay RD, Suite 202, Salt Lake CityHQ
Contact and registration details
- Legal name
- Navigate Financial LLC
- Headquarters
- 999 E. Murray Holladay RD, Suite 202, Salt Lake City, UT 84117
- Website
- navigatefinancial.com
- Phone
- 801-905-1644
- @navigate-financial
- SEC file
- 801-128078
- Structure
- Utah LLC
- Fiscal year end
- December
Navigate Financial uses The Standard ($174M, 77%) and Charles Schwab ($51.4M, 23%) as custodians for its separately managed accounts. Navigate Financial does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $51.4M23%
- The StandardThe Standard · Portland, OR · $174M77%
At year end, Navigate Financial’s separately managed accounts were mostly in stocks (60%) and bonds (30%).
What the accounts hold
- Stocks60%
- Bonds30%
- Cash10%
How many clients does Navigate Financial have?
Navigate Financial has 161 clients and manages $338 million for them, as of January 2026. They include 115 individual clients, 38 pension and profit-sharing plans, and 6 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 January 2026
What services does Navigate Financial offer?
Navigate Financial provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, and educational seminars.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
Which custodians does Navigate Financial use?
Navigate Financial’s separately managed account assets are held at The Standard (Portland, OR), with $174M and Charles Schwab & Co., Inc. (Westlake, TX), with $51.4M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 January 2026
How many financial advisors does Navigate Financial have?
Navigate Financial has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 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 Navigate Financial invest in?
At the end of its last fiscal year, Navigate Financial’s separately managed accounts held 60% exchange-traded equities, 30% U.S. government and agency bonds and 10% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Navigate Financial?
Navigate Financial’s direct owners are Benjamin Driggs (50% to 75%) and Tiffany Smith (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 30 January 2026
How does Navigate Financial get paid?
Navigate Financial is paid through a percentage of assets under management, hourly charges, subscription fees 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 Navigate Financial?
Navigate Financial’s main office is at 999 E. Murray Holladay RD, Suite 202, Salt Lake City, UT 84117. Its phone number is 801-905-1644. Its website is navigatefinancial.com.