The questions we keep getting.

For full ongoing advisory engagements, we generally start at $500,000 in investable assets. We make occasional exceptions for clients with high lifetime savings rates and complex tax situations. For one-time financial plans, there is no minimum.

We are fee-only — paid directly by you, never by the products we recommend. For most personal-wealth engagements, our fees are a flat retainer or a small percentage of assets under management, disclosed in writing before you sign.

No. Naviquant is a fee-only Registered Investment Adviser. We have no insurance licenses, no broker-dealer affiliation, and no revenue-sharing arrangements. When insurance is the right answer, we refer you to an outside specialist of your choosing.

Client assets are custodied at Axos Advisor Services, an independent third-party custodian. We have trading authority on your accounts but cannot withdraw funds. You receive statements directly from the custodian as well as from us.

A formal review every quarter, with a written summary. Outside of that, you can reach a principal any business day by email or phone — there is no service desk in between.

A 3(21) co-fiduciary recommends investments; the plan sponsor retains discretion. A 3(38) investment manager accepts discretion — and the corresponding fiduciary responsibility — for fund selection and monitoring. Appointing a 3(38) can shift certain investment-related liability away from the committee, but it does not relieve the committee of its ongoing duty to prudently select and monitor the 3(38) manager. We serve as a 3(38) on most engagements, though a 3(21) appointment is available where requested.

Yes. We are recordkeeper-neutral and have working relationships across the major providers. When a recordkeeper change is the right answer for the plan, we'll say so — and run the search.

A flat annual retainer in most cases, billed quarterly. Fees scale modestly with plan size; they are not asset-weighted in a way that creates skewed incentives.

Yes. We've run searches for investment menus, recordkeepers, and other 3(38) candidates. Naviquant excludes itself from any search in which we are an existing service provider.