{"url":"https://nivawealth.com/firms/navigate-financial-325945","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/325945","regulatoryAum":337932563,"crd":"325945","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"7117902","suffix":"III","lastName":"BASSETT","firstName":"DENNIS","middleName":"MILTON"},{"crd":"4558106","suffix":null,"lastName":"DRIGGS","firstName":"BENJAMIN","middleName":"WEST"},{"crd":"8297149","suffix":null,"lastName":"Phillips","firstName":"Matthew","middleName":"John"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2023-07-27","regulatoryAum":255300000,"clients":137,"employees":1,"offices":1},{"filedOn":"2024-03-15","regulatoryAum":267400000,"clients":133,"employees":2,"offices":1},{"filedOn":"2025-02-18","regulatoryAum":300205202,"clients":157,"employees":2,"offices":1},{"filedOn":"2026-01-30","regulatoryAum":337932563,"clients":161,"employees":3,"offices":1}],"secFileNumber":"801-128078","legalName":"Navigate Financial LLC","displayName":"Navigate Financial","slug":"navigate-financial-325945","website":"https://navigatefinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/325945/b84fc17ec6e23da1-r1.webp","tone":"light","width":668,"height":200,"sourceUrl":"https://navigatefinancial.com","sourceLabel":"Navigate Financial LLC, website"},"classification":{"segment":"institutions","segmentLabel":"Institutional","type":"institutional_wealth_manager","typeLabel":"OCIO / institutional wealth","feeDisclosure":"payment_only"},"linkedinUrl":"https://www.linkedin.com/company/navigate-financial/","founded":null,"organization":"Utah limited liability company","fiscalYearEnd":"December","headquarters":{"street":"999 E. Murray Holladay RD, Suite 202","city":"Salt Lake City","state":"UT","stateName":"Utah","country":"United States","postalCode":"84117"},"tradeNames":[],"registration":{"secApproved":"1 June 2023","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":413080.36363636365,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":337932563,"discretionary":79632672,"discretionaryAccounts":256,"nonDiscretionary":258299891,"nonDiscretionaryAccounts":22,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":115,"regulatoryAum":40457287},{"label":"High-net-worth individuals","clients":6,"regulatoryAum":9525437},{"label":"Pension and profit-sharing plans","clients":38,"regulatoryAum":286513792},{"label":"Corporations and other businesses","clients":2,"regulatoryAum":1436047}],"feePrograms":[],"brochureCoverage":{"scope":"known_documents","status":"not_processed","checkedAt":null,"documents":[]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":51418771},{"name":"The Standard","shortName":"The Standard","location":"Portland, OR","smaAssets":174225552}],"custodyNote":"Navigate Financial does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Benjamin Driggs","title":"Member & Chief Compliance Officer","crd":"4558106"},{"name":"Tiffany Smith","title":"Member","crd":"7237701"}],"ownership":[{"label":"Benjamin Driggs","detail":"Member & chief compliance officer in the 50% to 75% ownership band and a control person, since June 2023."},{"label":"Tiffany Smith","detail":"Member in the 50% to 75% ownership band and a control person, since June 2023."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[{"state":"Utah","offices":1,"addresses":[{"street":"999 E. Murray Holladay RD, Suite 202","city":"Salt Lake City","headquarters":true}]}],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"801-905-1644","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Hourly charges","Subscription fees","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Portfolio management for businesses (other than small businesses) or institutional clients","Pension consulting services","Educational seminars/workshops"],"financialPlanningClients":"101-250","assetMix":[{"label":"Exchange-traded equity securities","percent":60},{"label":"U.S. government/agency bonds","percent":30},{"label":"Cash and cash equivalents","percent":10}],"privateFunds":0},"sources":{"adv1FilingDate":"30 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/325945/PDF/325945.pdf","brochureDate":null,"brochureUrl":null,"iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-21","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Navigate Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Navigate Financial offer?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Navigate Financial use?","answer":"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","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Navigate Financial have?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Navigate Financial invest in?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Navigate Financial?","answer":"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","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Navigate Financial get paid?","answer":"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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Navigate Financial?","answer":"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.","source":"Form ADV Part 1A, Item 1.F, filed 30 January 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}