Founder / Private Wealth Advisor
Welcome to Navigation Group
While many firms start with leading questions, we start with conversation. Some advisors start with your valuables, we start with what you value. At Navigation Group we start with “why?”. Our experience has taught us that this simple question often leads us to the most amazing and important conversations; those that provide clarity and help to convey your experiences and what you hope to achieve.
Even in the most challenging of times, our clients find confidence in knowing they have an advocate with decades of experience who will provide transparent financial reasoning. It’s why we treat your wealth as we would our own, and why the only board of directors we answer to is the one that sits around your dinner table every night.
We take great honor in the responsibility of being your financial partner so that you may more fully enjoy your journey. We meet you where you are financially and provide the discovery, planning, guidance and partnership necessary to help you map your course toward financial independence. As your strategic partner we strive to provide you with the professional guidance necessary to help you address your financial concerns and obtain the clarity to pursue your goals with confidence.
Our Wealth Philosophy
Navigation Group was established in response to our clients’ needs for an independent, unbiased and personalized wealth services firm. Before forming Navigation Group in 1998, the principals of the firm, Carlo Panaccione, Erik Davis and the late Linda McKenzie gained decades of experience as CERTIFIED FINANCIAL PLANNER™ practitioners with the former American Express Financial Advisors.
As CFP® Professionals we are held to a fiduciary standard of care for which we have five primary responsibilities to clients:
- To put our clients’ interests first
- To always act with Integrity, Objectivity, Competence, Fairness, Confidentiality, Professionalism and Diligence
- To provide full and fair disclosure of all material facts
- To have a comprehensive understanding of a client’s situation before making any recommendations
- To proactively disclose any conflicts of interest that may impact clients
As part of our comprehensive financial planning process our advisors are dedicated to providing the tools, services and advice necessary to implement and maintain our client’s financial plans. Planning and asset management services are provided on a fee only basis such as hourly, fixed or asset based. We provide an open architecture free from the conflicts of proprietary products. For our clients convenience and so that we may better help in the evaluation and implementation of other commissionable only products and services such as life, disability and Long Term Care insurance as well as 529 plans and annuity programs our advisors do maintain insurance and securities licenses.
Navigation Group’s deeply competent and experienced financial professionals combine skill, technology and discipline to chart and follow a highly individualized course for each client. Each team member is committed to providing the highest level of quality service, proactive advice and conflict-free guidance, assuring our clients’ needs always come first.
Speak to Our Professionals
Carlo Panaccione and Erik Davis are available for speaking engagements, media interviews, public relations and more. Topics of specialization include:
- Financial Planning
- Family Meetings
- Legacy Planning
- Philanthropic strategies
- Investment Management
- Retirement Planning
- Estate Planning
- Market Analysis
- Investment Process
Contact us at 650-595-1700 or firstname.lastname@example.org
Bill of Rights
Your Client Bill of Rights for Financial Advice
You are entitled to a high level of proactive, courteous service from all associates at our firm.
You have the right to work with a trustworthy, dependable, independent Wealth Advisor focused on your best interest. Your Wealth Advisors is dedicated to understanding your personal needs through insightful communication highlighting our core beliefs, investment outlook and management philosophy. Your Advisor will host a planning and portfolio review annually or as often as necessary, and be available to answer the questions that matter to you as they arise.
Recommendations Based Upon Your Needs
You have the right to independent and unconflicted advice and recommendations based upon your personal experience, defined needs, risk tolerances, and goals. We view Wealth Management as the highly personalized and strategic integration of financial planning and investment management; a fluid process that enables you to make well informed and thoughtful decisions reflecting the ever-changing circumstances of your life. Through our dynamic Wealth Planning tool, MyWealthMap™, your needs are clearly analyzed, defined and constantly updated.
You have the right to the strictest levels of confidentiality with information provided to your trusted team. We will protect all information to the highest standards outlined by CFP® Board, SEC, FINRA, state and regulatory agencies.
You have the right to a transparent relationship and to clearly know the costs for planning, portfolio management, transactions and advisory services. We strive to be clear and concise in all of our communications to you. If you have a question, it is our duty to answer it for you in an understandable manner.
You have the right to a prompt response. As your Advisor, we commit to returning calls within one business day.
You have the right to be communicated to in a timely manner. As your Advisor, our goal is to provide you with information before the question arises, regardless of the medium used.
You have the right to continual education along your journey. Through education, our team will project reasonable expectations and possible scenarios in the development and constant monitoring of your Wealth Plan.
You have the right to accurate third party reporting of all managed accounts. Your statements will identify all account positions held, cash receipts, and disbursements.
Committed to Supporting
Our commitment to service also extends into our communities. Many of our team members are active as volunteers and/or donate to various nonprofit groups and foundations. As Carlo’s grandfather Luigi often said “when there are more takers than givers we are all in trouble”. We believe that success is more than just about money – it is about striving to make this world a better place because you were here. Groups that Navigation Group staff work with includes: