Naviquant Capital Management Client Login
Who we serve

Two audiences. One discipline.

Individuals and institutions. The underlying method is identical — NCT runs the portfolio, the same way for everyone.

For individuals

Active management, the same discipline.

For investors with $500K or more in investable assets who want their equity exposure managed actively — by a rule, not a forecast. NCT runs the portfolio; we run the conversation.

NCT-driven equity strategy

01

Your equity allocation is managed by the same composite-tactical rules we apply to every Naviquant strategy — daily, mechanical, transparent.

  • Rule-based entry & exit on every name
  • No forecasts, no tactical overrides
  • Quarterly written commentary

Tax-aware account placement

02

Where each position sits across your taxable, IRA, and Roth accounts is a calculation — not an opinion. Lots are tracked at the position level.

  • Asset-location optimization
  • Tax-loss harvesting opportunities
  • Lot-level execution & tracking

Quarterly review · principal access

03

A formal review every quarter, with a written summary. Between reviews, a principal answers your email — there is no service desk.

  • Quarterly written review & call
  • Direct email to a principal
  • Two-business-day response standard
For individuals · How we charge

Fee-only. No commissions.

Naviquant is fee-only, which means we are paid by our clients — never by the products we recommend. No commissions. No revenue-sharing. No "preferred funds" list.

Our fees are a flat retainer or a small percentage of assets under management — disclosed in writing before you sign.

As a fee-only fiduciary, we are compensated by our clients rather than by the products we recommend — a structure intended to align our interests with theirs.
For institutions

ERISA plans & endowments.

Naviquant serves retirement plan sponsors, pensions, and endowments as an ERISA 3(38) discretionary investment manager — handling fund selection, monitoring, and ongoing oversight. We take on the work, not just the fiduciary liability.

ERISA plans, pensions & endowments

01

Discretionary management of investment lineups for 401(k), 403(b), defined-benefit pensions, endowments, and foundations.

  • Investment Policy Statement drafting
  • Quarterly fund monitoring reports
  • Vendor / recordkeeper neutrality

Fiduciary risk management

02

Documented process, defensible decisions. Every fund change, IPS revision, and committee meeting is captured in a litigation-ready file.

  • Annual fiduciary review
  • Fee benchmarking and negotiation
  • Committee training & minutes

Employee engagement strategies

03

Plan participation and contribution rates lift when employees feel they're investing, not just enrolling. We run education campaigns that move both needles.

  • Auto-enroll & auto-escalate design
  • Custom education content
  • Retirement readiness scoring
Common questions

Before you write us — the questions we keep getting.

The short version, split by audience. Full list lives on the FAQ page.

See all questions →
For individuals

Active management.

What's your minimum account size?
$500,000 in investable assets for full ongoing engagements. We make occasional exceptions for complex tax situations or sustained high savings rates.
How are you paid?
We are fee-only — paid directly by you, never by the products we recommend. Flat retainer or a small percentage of assets under management, disclosed in writing before you sign.
Where are my assets held?
Client assets are custodied at Axos Advisor Services, an independent third-party custodian. We have trading authority but cannot withdraw funds.
For institutions

ERISA plans & endowments.

What's the difference between a 3(21) and 3(38) fiduciary?
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.
Do you work with our existing recordkeeper?
Yes. We are recordkeeper-neutral and have working relationships across the major providers. When a change is the right answer for the plan, we'll say so — and run the search.
How are institutional fees structured?
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.

Talk to Naviquant.

Whichever side of the table you're on — free 15-minute call for individuals, free written assessment for plan sponsors. A principal replies within two business days.

Common questions →