Disclosures

Not Investment Advice

The information provided by Navier Wealth — including but not limited to the NavierFlow model outputs, risk profile assessments, newsletter content (The Current), advisory session discussions, portfolio examples, and all other materials — is provided for general informational and educational purposes only.

Nothing contained herein should be construed as investment advice, a recommendation to buy or sell any security, or a solicitation of any offer to buy or sell any security. Past model performance does not guarantee future results. All investments involve risk, including the possible loss of principal.

Individuals should consult with a qualified, registered investment advisor, financial planner, tax professional, and/or legal counsel before making any investment decisions.

Registration Status

Navier Wealth LLC is registered as an investment adviser in the State of Utah. The firm's investment adviser representative holds a Series 65 (Uniform Investment Adviser Law Examination) qualification. Registration as an investment adviser does not imply a certain level of skill or training, and does not constitute an endorsement by any regulatory authority.

Waitlist enrollment does not create a client relationship and does not obligate either party to enter into an advisory agreement. A formal client relationship requires execution of an Investment Advisory Agreement and delivery of Form ADV Parts 2A and 2B prior to or at the time of engagement.

Form ADV

Form ADV is the uniform form used by investment advisers to register with the SEC and state securities authorities. It contains detailed information about the adviser's business, ownership, clients, employees, business practices, affiliations, and any disciplinary events.

Navier Wealth LLC's Form ADV is filed with the Utah Division of Securities and is publicly available through the SEC's Investment Adviser Public Disclosure (IAPD) website at adviserinfo.sec.gov. Prospective clients may request a current copy of Form ADV Parts 2A and 2B at any time by contacting [email protected].

Risk Disclosures

General Market Risk. All investments are subject to market risk, including the possibility of loss of principal. The value of investments may fluctuate and may be worth more or less than originally invested at any time.

Model Risk. The NavierFlow model is a proprietary systematic scoring system. Systematic models can fail, behave unexpectedly, or underperform in market conditions they were not designed for. Model outputs are not guarantees of investment performance.

Regime Risk. The Reynolds number regime classification (laminar vs. turbulent) is an internal model construct. Market conditions may change in ways that the regime detection system does not identify or responds to with a lag.

Concentration Risk. Aggressive risk profiles (RA1–RA3) involve concentrated portfolios with fewer positions. Concentrated portfolios are subject to greater volatility than diversified portfolios. Losses in individual positions can significantly impact total portfolio value.

Growth Sleeve Risk. The optional Growth Sleeve involves a 15% tactical allocation to high-conviction, often high-momentum positions. This sleeve carries above-average concentration risk and may experience significant drawdowns, particularly in turbulent market regimes.

Fee Disclosure

Navier Wealth's anticipated fee structure is 1.0% of assets under management annually, calculated and billed quarterly. Advisory sessions are $25 per 30-minute session, billed at time of booking confirmation. Fees are subject to change prior to formal launch and will be fully disclosed in the Form ADV and client agreement.

No other compensation, referral fees, revenue sharing, or third-party payment arrangements are anticipated at this time. Any changes to this structure will be disclosed in full.

Privacy & Data

Information you submit through this website — including waitlist enrollments, advisory session requests, and newsletter subscriptions — is used only for the purpose for which it was submitted. Navier Wealth does not sell, rent, or share personal information with third parties for marketing purposes.

Communications from Navier Wealth may include model updates, newsletter issues of The Current, and information relevant to your waitlist status. You may opt out at any time by contacting [email protected].

Contact

For questions about these disclosures or Navier Wealth's regulatory status, please contact:

[email protected]
Navier Wealth · navierwealth.com