Our Process

"The planning stage of a cruise is often just as enjoyable as the voyage itself, letting one’s imagination loose on all kinds of possibilities. Yet translating dreams into reality means a lot of practical questions have to be answered."
- Jimmy Cornell, World Cruising Handbook

As your financial partner, Navigoe’s team works closely with your family to instill peace of mind and build true prosperity. No matter what services we provide for you, you can always count on us for independent advice, an education-based process and a long-term relationship.

Fee-Only, Independent Advice

Being an independent firm allows us to serve as your ally. Unlike “fee-BASED” practices, Navigoe is “fee-ONLY.” That means we never receive commissions or referral rewards, providing reassurance that you’re getting unbiased advice.

Education-Based Process

Our consultative, education-based process helps you understand all of your financial decisions and how they may impact your future. We take the jargon out of the conversation and keep you informed about what is most important to you.

Fiduciary Responsibility

As a fiduciary, we are legally responsible for acting solely in your best interest. Our team never sells products or receives commissions, so you only receive our best advice, free from conflicts of interest that permeate the financial industry.

Long-Term Relationships

Our relationship with you is collaborative and nurtured over time. Rather than only hearing from our team at opportune moments, you can count on us for ongoing, proactive conversations about your progress, goals and needs.

How We Prepare For Your Voyage

The beginning of Navigoe’s process includes 3-5 meetings focused on getting to know you and understanding your vision for the future. Then, we analyze your financial situation, time horizon and risk tolerance before creating a plan that will offer greater clarity today while exploring opportunities for the future.

Spending this time upfront allows you to test the waters with us and feel confidence in the course of action before proceeding. Once we chart your course, you can either take those plans and continue on your way, or invite us to board your ship and serve as your co-caption throughout your journey to prosperity.

Introductory Meeting to Meet the Crew

Are we a good fit? Answering that questions is the primary goal of this meeting. During this introduction, you will meet some of our team members, learn more about Navigoe’s comprehensive services and discuss how we could help achieve your goals.

Discovery Meeting to Prepare for the Voyage

Next, we get together to learn even more about what is truly important to you and start developing our relationship further. This part of the process allows us to learn about your values, interests, financial situation and concerns, and most of all, your family’s goals.

Charting the Course

Then, our team prepares a detailed analysis of your current financial situation, goals and a recommended strategy for achieving them. It includes specific action items related to your primary areas of need, such as retirement, investments, taxes, estate, college and insurance.

Getting Ready to Set Sail

For some prospective clients, making the transition to a new financial planner is an easy decision. For others, it can take months or years before they feel comfortable — and that’s ok. Whenever you are ready, we are here to help you get started.

Staying the course: Advance planning meeting cycle

After you begin working with Navigoe and chart your course, we typically have three planning meetings per year to review all of the areas of your financial plan. As life evolves, special or more frequent meetings may be helpful, but rest assured that there are no additional costs for ongoing consultation.

Financial plan and investment policy review

After the new year, we review your goals and evaluate if everything is still on track. This includes revisiting your investment policy to assess if it is still a good fit for you and if the investments performed as expected.

Estate planning and asset protection meeting

Whether we are discussing major changes to your family and financial goals, performing a life insurance needs analysis or simply reviewing beneficiary designations, this annual meeting ensures your estate and asset protection plan is kept up to date.

Income tax planning and cash flow analysis

In the latter part of the year, our team communicates with your tax professional to make recommendations that can be implemented before the end of the year. If appropriate, we review your cash flow needs to ensure your income is cost-efficient and tax-smart.


Our team of financial navigators are hear to guide you along the way. Schedule a call to see if we might be the right fit for you.

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