FEES & PRICING
Simple, transparent fees.
Most fee pages in this industry read like a tide chart. Ours fits on a napkin: 1% of assets under management per year, billed quarterly — that covers everything in the management relationship. Ad hoc sessions are available separately at $25. Here's the whole napkin.
ADVISORY FEE
billed quarterly at 0.25%
- Full risk profiling — all ten RA tiers (RA1–RA10)
- NavierFlow daily scoring & signal-driven rebalancing
- Growth Sleeve available (15% tactical satellite, RA1–RA7)
- Quarterly deep-dive portfolio review
- The Current — weekly market letter
- Odyssey — your voyage, visualized
- Drops — 10 ◆ per $1 of fees, automatically
- Direct access to a Series 65 registered adviser
ADVISORY SESSIONS
session
A focused half hour, booked as needed — portfolio questions, the current regime, a life change, or a second look at something you read. No subscription, no upsell, no "let's loop in our annuity specialist."
Open to waitlist members and the simply curious alike.
BOOK A SESSIONTHE ACTUAL MATH
What 1% looks like on your portfolio
No mystery meat. Take your portfolio value, multiply by 0.0025 each quarter. And because every fee dollar earns 10 Drops, your fees quietly fund the loyalty side of the ledger too.
| PORTFOLIO | PER QUARTER | PER YEAR | DROPS EARNED / YR |
|---|---|---|---|
| $50,000 | $125 | $500 | 5,000 ◆ |
| $100,000 | $250 | $1,000 | 10,000 ◆ |
| $250,000 | $625 | $2,500 | 25,000 ◆ |
| $500,000 | $1,250 | $5,000 | 50,000 ◆ |
Fees are calculated on quarter-end account value. Drops accrue at 10 ◆ per $1 of advisory fees paid — see the Drops program for redemption details.
THE OTHER HALF OF THE PROMISE
What you will never pay us
Fee-only isn't a marketing flourish — it's a structural choice that removes every incentive to sell you something. If it's on this list, it does not exist at Navier Wealth.
We earn nothing when your portfolio trades. Trades happen when the model says so — never to generate revenue.
No revenue sharing, no shelf-space payments, no funds we're paid to recommend. We don't sell products at all.
Performance fees reward swinging for the fences with your money. Our incentive is the same as yours: steady growth.
No account fees, statement fees, or "technology fees" layered on top. The 1% is the fee.
If you leave, you leave. Your money is yours; the exit door is never locked, taxed, or guilt-tripped.
Any future change to this structure is disclosed in writing, in advance, in plain English — in Form ADV and in The Current.
Every dollar of advisory fees earns 10 Drops — the currency of our loyalty program. Redeem for gear, one-on-one deep-dive sessions, and founding-member perks. It's the only fee schedule we know of that pays you back for staying. Explore the Drops store →