Navigate Financial Planning is a fee-only registered investment advisor based in Cedar Falls, Iowa, founded in 2022. The firm specializes in providing comprehensive financial planning services, including retirement planning, tax planning strategies, cash flow and debt management, employee benefits optimization, estate planning, and business consulting. Navigate Financial Planning does not manage investment portfolios directly or exercise authority to make trades on behalf of clients, focusing entirely on financial planning and investment recommendations. Services are offered on an ongoing basis or through one-time project engagements tailored to each client's specific goals and life situation.
Fee Structure
Navigate Financial Planning offers ongoing comprehensive financial planning services, which include:
- An initial onboarding phase to create a base financial plan
- Ongoing monitoring and updates as your situation and goals evolve
- Regular check-ins and collaboration with a Certified Financial Planner
Pricing for ongoing planning is available at an annual rate of $2,340 (billed as $195 monthly) or $780 (billed as $195 quarterly). There is also an initial onboarding fee to create your base plan that is no greater than $6,500.
- Comprehensive Financial Plan — Standard fixed fee of $3,375, with a range of $1,375 to $6,500 depending on the complexity of your situation such as business ownership, equity compensation, or estate planning needs.
- Educational Seminars and Speaking Engagements — $0 to $500 per seminar depending on preparation time, content, and attendees.
- Hourly Consulting — $225 per hour, typically reserved for legacy agreements.
