Navigate Wealth Management provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 11–25 clients last fiscal year.
Navigate Wealth Management reports 274 clients. They include 140 individual clients, 131 high-net-worth individuals, and 2 corporations and other businesses. Of its assets, 100.0% ($430M across 873 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 51% | 15% |
| High-net-worth individuals | 48% | 80% |
| Other investment advisers | <1% | 5% |
| 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) | 140 | $65.3M | 15.2% | $467K |
| High-net-worth individuals | 131 | $343M | 79.9% | $2.62M |
| Other investment advisers | Fewer than 5 | $19.7M | 4.6% | $19.7M |
| Corporations and other businesses | Fewer than 5 | $1.51M | 0.4% | $755K |
| Total | 274 | $430M | 100% | — |
- Clients
- 140
- Regulatory AUM
- $65.3M
- AUM share
- 15.2%
- Avg. per client
- $467K
- Clients
- 131
- Regulatory AUM
- $343M
- AUM share
- 79.9%
- Avg. per client
- $2.62M
- Clients
- Fewer than 5
- Regulatory AUM
- $19.7M
- AUM share
- 4.6%
- Avg. per client
- $19.7M
- Clients
- Fewer than 5
- Regulatory AUM
- $1.51M
- AUM share
- 0.4%
- Avg. per client
- $755K
Total
- Clients
- 274
- Regulatory AUM
- $430M
- AUM share
- 100%
- Avg. per client
- —
- 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
- 11–25
Navigate Wealth Management charges 0.40%–1.50% for its Portfolio management. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in advance or in arrears, is negotiable and requires an account of at least $1,000,000. The brochure also prices one other service, listed under fee details.
| Asset band | Rate (period not stated) |
|---|---|
| $0–$1M | 1.50% |
| $1M–$2.5M | 1.00% |
| $2.5M–$5M | 0.75% |
| $5M–$10M | 0.50% |
| $10M and above | 0.40% |
Fee details and sources
Other fees
- Financial planning
- Billed hourly at $150 to $500 or as a flat fee generally $2,000 to $25,000; negotiable. Never more than $1,200 in advance six months or more out.
Carl Grahs owns 50% to 75% of Navigate Wealth Management. The leadership team of Navigate Wealth Management includes Chief Compliance Officer Carl Grahs. It has 8 employees, 6 of them in advisory roles.
Leadership
Carl GrahsPrincipal & Chief Compliance Officer
Caleb HopkinsPrincipal
Investment adviser representatives
7 representatives listed in the SEC register as of 9 October 2026.
Staff
- 8 employees
- 6 in advisory functions
- 6 state-registered reps
- 4 soliciting firms
- Owns 50% to 75% of Navigate Wealth Management, LLC
Carl Grahs
Control person · since November 2014
- Owns 50% to 75% of Navigate Wealth Management, LLC
Caleb Hopkins
Control person · since November 2014
Navigate Wealth Management’s regulatory assets grew 2.0× from $210M (March 2021) to $430M (August 2026); clients rose from 64 to 274 and employees from 2 to 8. In 2022, Stonebridge Advisors joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| August 2026 | $430M | 274 | 8 | 3 |
| March 2025 | $355M | 259 | 8 | 3 |
| March 2024 | $294M | 230 | 8 | 3 |
| March 2023 | $227M | 214 | 7 | 3 |
| March 2022 | $231M | 167 | 6 | 2 |
| March 2021 | $210M | 64 | 2 | 1 |
Firms that joined
20221 joined
- Stonebridge AdvisorsTeamNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Navigate Wealth Management has 2 offices, with 3 listed addresses in Alabama.
Alabama · 3 listed addresses
- 2850 19th Street South, Suite 350, BirminghamHQ
- 1800 Providence Park, Birmingham
- 2208 University BLVD, Birmingham
Other business names
Navigate Wealth Management has reported 2 other business names to the SEC.
- Abeona Wealth
- Stonebridge Advisors
Contact and registration details
- Legal name
- Navigate Wealth Management, LLC
- Headquarters
- 2850 19th Street South, Suite 350, Birmingham, AL 35209
- Website
- navigatewealth.com
- Phone
- 205-224-9500
- @navigate-wealth-management
- SEC file
- 801-114048
- Founded
- 2014
- Structure
- Alabama LLC
- Fiscal year end
- December
Navigate Wealth Management uses Charles Schwab ($417M) as custodian for its separately managed accounts. Navigate Wealth Management has custody of $122M in client assets for 110 clients.
- Charles SchwabCharles Schwab & Co., Inc. · San Francisco, CA · $417M100%
At year end, Navigate Wealth Management’s separately managed accounts were mostly in funds (83%). Its reported 13F holdings for the quarter ended 30 June 2026 total $161M across 79 positions; the largest are iShares TR (11.9%), Dimensional ETF Trust (7.9%) and Vanguard Index Fds (7.9%).
What the accounts hold
- Stocks6%
- Funds83%
- Bonds9%
- Cash1%
- Other1%
- Cds and annuities1%
Reported 13F holdings
- $161M
- Reported 13F value
- 79
- Positions
- 58.7%
- In the 10 largest
- +13.3%
- Value vs. prior quarter
- iShares TR · 0-3 Mth Treasury11.9%
- Dimensional ETF Trust · US Larg Valu ETF7.9%
- Vanguard Index Fds · S&P 500 ETF Shs7.9%
- Dimensional ETF Trust · US Small Cap ETF6.3%
- Vanguard Scottsdale Fds · Vng Rus1000idx5.5%
- iShares TR · Core US Aggbd ET4.9%
- Vanguard Index Fds · Total Stk Mkt4.0%
- Dimensional ETF Trust · US Small Cap ETF3.7%
- Dimensional ETF Trust · Emgr Cre EQT Mng3.5%
- Apple Inc.3.1%
Together, the ten largest are 58.7% of reported value.
How many clients does Navigate Wealth Management have?
Navigate Wealth Management has 274 clients and manages $430 million for them, as of August 2026. They include 140 individual clients, 131 high-net-worth individuals, and 2 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 10 August 2026
What services does Navigate Wealth Management offer?
Navigate Wealth Management provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Navigate Wealth Management charge?
Navigate Wealth Management charges 0.40%–1.50% for its Portfolio management. The brochure does not state whether the rate is annual. Each asset band is charged at its own rate. The fee is billed in advance or in arrears, is negotiable and requires an account of at least $1,000,000.
Source: ADV PART 2A, filed 6 April 2026
Which custodians does Navigate Wealth Management use?
Navigate Wealth Management’s separately managed account assets are held at Charles Schwab & Co., Inc. (San Francisco, CA), with $417M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 10 August 2026
How many financial advisors does Navigate Wealth Management have?
Navigate Wealth Management has 6 investment adviser representatives registered with state securities authorities, out of 8 employees, and 6 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 Wealth Management invest in?
At the end of its last fiscal year, Navigate Wealth Management’s separately managed accounts held 83% registered funds (mutual funds, ETFs, BDCs), 9% U.S. government and agency bonds, 6% exchange-traded equities, 1% cash and equivalents and 1% other. The 1% other category is described as: CDS and Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Does Navigate Wealth Management have a minimum investment?
Yes, Navigate Wealth Management’s minimum account size for its Portfolio management is $1M.
Source: ADV PART 2A, filed 6 April 2026
Who owns Navigate Wealth Management?
Navigate Wealth Management’s direct owners are Carl Grahs (50% to 75%) and Caleb Hopkins (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 10 August 2026
How does Navigate Wealth Management get paid?
Navigate Wealth Management is paid through a percentage of assets under management, hourly charges, fixed fees and other compensation. 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
Is Navigate Wealth Management registered with the SEC?
Yes, Navigate Wealth Management has been registered with the SEC as an investment adviser since 26 September 2018. Its CRD number is 173770 and its SEC file number is 801-114048.
Source: Form ADV Part 1A, Item 1, filed 10 August 2026; IAPD firm record
How do I contact Navigate Wealth Management?
Navigate Wealth Management’s main office is at 2850 19th Street South, Suite 350, Birmingham, AL 35209. Its phone number is 205-224-9500. Its website is navigatewealth.com.