Common Questions

Navier Wealth is a systematic wealth management firm that uses a fluid-dynamics-inspired model — the Navier Flow model — to build risk-calibrated equity portfolios. The model scores over 5,000 stocks daily and uses a "Reynolds number" to detect whether markets are in a stable, momentum-friendly regime (laminar flow) or a volatile, unpredictable one (turbulent flow).

The firm is currently in pre-launch, accepting waitlist signups for its inaugural client cohort.

Not yet. Navier Wealth is currently operating pre-registration. We are evaluating registration requirements under the Investment Advisers Act of 1940 and applicable state regulations. Nothing on this site constitutes personalized investment advice until we are properly registered. See our full disclosures for details.

Navier Wealth was founded by Chase Noel. The firm was built around the Navier Flow model, which Chase developed and has been refining over several years. You can read more on the About page.

The model scores every stock in its coverage universe on momentum velocity (how fast price is moving), momentum acceleration (is that velocity increasing or decreasing), and volatility (our analog for viscosity — a penalty for noisy signals). Scores are combined into a composite rank that drives portfolio construction.

Above the scoring layer sits the regime detection system. We compute a market "Reynolds number" — a measure borrowed from fluid dynamics — that classifies whether the market is in laminar flow (organized, momentum-friendly) or turbulent flow (volatile, signal-degrading). The regime influences how the model constructs and manages portfolios. Full details are on the Methodology page.

In fluid dynamics, the Reynolds number (Re) predicts when a fluid flow transitions from organized (laminar) to chaotic (turbulent). We compute an analogous market Re using cross-sectional momentum dispersion, VIX, and market breadth metrics.

When Re is below 300, the model is in its standard configuration — momentum signals are reliable and portfolios are built to capture directional trends. When Re exceeds 300, the model applies turbulence penalties, reduces the growth sleeve exposure, and tightens construction rules across the board.

The model scans weekly and generates rebalancing signals on a signal-driven (not calendar-driven) basis. A signal is triggered when a current holding's score has fallen enough relative to the best available replacement — accounting for transaction costs and tax impact — that the swap is justified. In stable regimes with good momentum, portfolios may go several weeks without changes. In turbulent regimes or sharp rotations, rebalancing may be more frequent.

RA stands for Risk Allocation. The ten profiles span the full risk spectrum from RA1 (Maximum Aggressive — highest concentration, highest momentum bias, lowest diversification requirements) to RA10 (Capital Preservation — maximum diversification, highest quality floors, strictest volatility limits).

Each profile has its own portfolio construction rules: how many positions to hold, minimum dividend quality requirements, maximum volatility allowed per position, and sector concentration limits. The same underlying stock scores are used across all profiles — the RA layer determines how those scores translate into an actual portfolio.

Take the Risk Profile Quiz — five questions, scored automatically, with your result mapped to an RA level. The quiz is a starting point; you can always override the result and select your own profile directly on the results page.

If you want to discuss your profile in depth, book a session and we'll walk through it together.

Yes. Risk profiles are not permanent. If your financial situation, time horizon, or risk tolerance changes, your RA profile can be adjusted. Profile changes will be reflected in the next rebalancing cycle after the change is confirmed.

The Growth Sleeve is an optional 15% tactical allocation available to clients with RA1–RA7 profiles. It carves out 15% of your total portfolio for 3–5 of the model's highest-conviction positions — the top-ranked names by composite score with no quality floor restrictions.

It sits on top of your core risk profile, not instead of it. Your base RA allocation stays intact; the sleeve adds a targeted, bounded boost to the highest-scoring names the model has found.

When the Reynolds number crosses 300 (turbulent regime), the sleeve automatically reduces exposure. Positions are trimmed and proceeds move to cash equivalents within the sleeve allocation. The sleeve stays dormant until Re returns below 300. You don't need to manage this — it's automatic.

At RA8–RA10, the model's primary mandate is capital preservation. The sleeve's tactical, high-conviction nature conflicts directly with that mandate. Adding a 15% allocation to high-momentum, low-quality-floor positions on top of a conservative base profile would undermine the risk parameters the profile is designed to enforce. If you're at RA8–RA10 and want sleeve access, the right solution is to reconsider your base profile rather than add the sleeve to a conservative allocation.

The management fee is a flat 1% of assets under management per year, billed quarterly. No performance fees, no hidden charges, no revenue sharing on recommendations. Advisory sessions are $25 per 30-minute session, available separately to anyone on the waitlist or interested in the firm.

The minimum investment amount will be disclosed at launch. Join the waitlist to be among the first to know when that information is available — and to lock in access to the inaugural cohort.

A launch timeline will be announced to waitlist members first. The Drops program and The Current newsletter are both live now and available to everyone. Actual portfolio management services require advisory registration, which is in process.

Waitlist members receive priority access to the inaugural client cohort, early notice of launch details and minimum investment thresholds, and access to advisory sessions at $25. You'll also be first to hear about any Drops events and future pricing developments.

Drops are limited-edition releases tied to client milestones and loyalty — physical and digital items that mark moments in your relationship with Navier Wealth. Think less swag, more collectible. Each Drop is limited, announced in advance, and tied to meaningful milestones rather than arbitrary marketing moments. See the Drops page for upcoming and past releases.

The Current is Navier Wealth's weekly newsletter — a publication about the model, the regime, portfolio thinking, and systematic investing. Each issue includes the current model snapshot (regime, Reynolds number, VIX, sector positioning) and editorial content about what the model is observing and why it matters. Read past issues and subscribe on the The Current page.

Yes. The Current is free and publicly available. You don't need to be a client or on the waitlist to subscribe.