Navigate Wealth Management, LLC

Navigate Wealth Management, LLC is a financial advisory firm based in Birmingham, Alabama, established in September 2014 by Carl Johan Grahs and Caleb Ryan Hopkins. The firm specializes in offering portfolio management services tailored to individual client goals, risk tolerance, and time horizons. They create Investment Policy Statements for each client, covering aspects such as investment strategy, asset allocation, and risk tolerance. Navigate operates as a fiduciary, making investment decisions in the best interests of clients and avoiding practices that could favor one client over another. The firm requires a minimum account size of $1,000,000 for portfolio management, which may be waived at their discretion. Navigate charges asset-based fees for portfolio management services, with fees ranging from 1.50% for the first million dollars to 0.40% for assets exceeding $10,000,000. Clients have the option to terminate the agreement within five business days of signing for a full refund. Navigate also offers financial planning services under the dba Abeona Wealth, with fees ranging from $2,000 to $25,000. Navigate does not participate in wrap fee programs and has assets under management totaling $354,589,456 as of December 31, 2024. The firm provides both discretionary and non-discretionary investment advisory services, with discretionary authority granted based on the client's agreement. Clients are responsible for third-party fees, and Navigate does not accept compensation for the sale of securities to clients. The firm conducts annual reviews of client accounts and provides regular reports to clients.