Disclosures

The information provided by Navier Wealth — including but not limited to the Navier Flow 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.

Navier Wealth is currently operating in a pre-registration capacity. We are in the process of evaluating registration requirements under the Investment Advisers Act of 1940 and applicable state regulations.

Until such time as Navier Wealth obtains appropriate registration, no Navier Wealth offering constitutes a registered investment advisory service. Waitlist enrollment does not create a client relationship and does not obligate either party to enter into an advisory agreement.

Upon launch, full Form ADV disclosures (Parts 1, 2A, and 2B) will be provided to all prospective clients prior to entering any advisory relationship. A current copy of Form ADV will be available here once filed.

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's Form ADV will be filed upon registration. When filed, it will be publicly available on the SEC's Investment Adviser Public Disclosure (IAPD) website and linked here. Until that time, prospective clients may direct questions about the firm's background and practices to [email protected].

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 Navier Flow 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.

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.

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].

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

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