A. Description of our firm, our principal owner(s)1 and how long we have been in business. Navigate Private Wealth LLC is comprised of a team of experienced financial advisors whose services, pricing and analytic tools vary within the parameters set forth in this brochure. We are dedicated to providing individuals and other types of clients with a wide array of investment advisory services. Our firm is a limited liability company formed in the State of Utah and has been in business as an investment adviser since 2014. Navigate Private Wealth LLC is wholly owned by Navigate Holdings, LLC. Navigate Holdings, LLC’s ownership is equally distributed amongst the following four members: D. Scott Bunnell Mark H. Burgon Steven W. Hendrickson Riley Hendrickson B. Description of the Types of Advisory Services We Offer. (i) Comprehensive Portfolio Management: Our Comprehensive Portfolio Management service is designed to assist clients in meeting their financial goals through the use of financial investments. We conduct at least one, but sometimes more than one meeting (in person if possible, otherwise via telephone conference) with clients in order to understand their current financial situation, existing resources, financial goals, and tolerance for risk. Based on what we learn, we propose an investment approach to the client. We may propose an investment portfolio, consisting of exchange traded funds, mutual funds, individual stocks or bonds, or other securities. Upon the client’s agreement to the proposed investment plan, we work with the client to establish or transfer investment accounts so that we can manage the client’s portfolio. Once the relevant accounts are under our management, we review such accounts on a regular basis and at least semi-annually. We may periodically rebalance or adjust client accounts under our management. If the client experiences any significant changes to his/her financial or personal circumstances, the client must notify us so that we can consider such information in managing the client’s investments. (ii) Financial Planning & Consulting: We provide a variety of financial planning and consulting services to individuals, families and other clients regarding the management of their financial resources based upon an analysis of the client’s current situation, goals, and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation for clients based on the client’s financial goals and objectives. This planning or consulting may encompass one or more of the following areas, but is not limited to: Investment Planning, Retirement Planning, Estate Planning, Charitable Planning, Education Planning, Corporate and Personal Tax Planning, Cost Segregation Study, Corporate Structure, Real Estate Analysis, 1 Please note that: (1) For purposes of this item, our principal owners include the persons we list as owning 25% or more of our firm on Schedule A of Part 1A of Form ADV (Ownership Codes C, D or E). (2) If we are a publicly held company without a 25% shareholder, we simply need to disclose that we are publicly held. (3) If an individual or company owns 25% or more of our firm through subsidiaries, we must identify the individual or parent company and intermediate subsidiaries. If we are a state-registered adviser, on Form ADV Part 2A Page 2, we must identify all intermediate subsidiaries. If we are an SEC-registered adviser, we must identify intermediate subsidiaries that are publicly held, but not other intermediate subsidiaries. Form ADV Part 2A – Firm Brochure Page 5 Navigate Private Wealth LLC Mortgage/Debt Analysis, Insurance Analysis, Lines of Credit Evaluation, Business and Personal Financial Planning. Our written financial plans or financial consultations rendered to clients usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients begin or revise investment programs, create or revise wills or trusts, obtain or revise insurance coverage, commence or alter retirement savings, or establish education or charitable giving programs. It should also be noted that we refer clients to an accountant, attorney or other specialist, as necessary for non-advisory related services. Services provided by other professionals are not included in the fees paid to NPW. For written financial planning engagements, we provide our clients with a written summary of their financial situation, observations, and recommendations. For financial consulting engagements, we usually do not provide our clients with a written summary of our observations and recommendations as the process is less formal than our planning service. Plans or consultations are typically completed within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. Implementation of the recommendations will be at the discretion of the client. (iii) Pension Consulting: We provide pension consulting services to employer plan sponsors on a one-time or ongoing basis. Generally,

such pension consulting services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment options, plan structure and participant education. All pension consulting services shall be in compliance with the applicable state law(s) regulating pension consulting services. This applies to client accounts that are pension or other employee benefit plans (“Plan”) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). If the client accounts are part of a Plan, and we accept appointments to provide our services to such accounts, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA (but only with respect to the provision of services described in section 1 of the Pension Consulting Agreement). (iv) Estate Planning & Consulting: We assist clients with estate planning and consulting services that involves more than just a stack of documents or a vague fill in the blank templates. We will help prepare you for every important step in your estate plan so you will know that no matter where life takes you, your estate plan will be accurate. We help clients accomplish this through the use of an online platform system, EP Navigator, which involves two phases: Part One: Initial Set-Up
• Our firm will meet with the client and create a unique EP Navigator client account. Form ADV Part 2A – Firm Brochure Page 6 Navigate Private Wealth LLC
• Our firm and or client enters basic client information into EP Navigator’s software.
• Our firm will obtain at least the following information: Financial and Healthcare Powers of Attorney, Children & Guardians, Successor Trustees, Inheritance, Assets Held in Trust for Minors, and General Information about the Client. All information obtained will be submitted to the attorney through EP Navigator.
• Following the submission of the client’s information to EP Navigator’s team, EP Navigator will produce a response summary page. The client will be required to review and approve the responses on the summary page in order to finish the online interview and move to part two. Part Two: EP Navigator’s Documents
• Following the completion of the online interview, EP Navigator will take over the process from our firm.
• EP Navigator’s analytics will determine the documents the client needs and will produce them in real-time.
• EP Navigator will work with lawyers who have been prescreened and approved by Navigate Private Wealth LLC in the client’s state to ensure that the estate plan is appropriate for them.
• Once the plan is complete, EP Navigator will store the plan on their platform.
• The estate plan will be delivered to the client either electronically or in paper form. In the event that the client’s situation is too complicated for automation, the Estate Planning Attorney assigned to their case will complete the plan. Should this event occur, our firm will transfer the process to the attorney and provide the client with a full refund. Please refer to Item 5 for additional information. For Estate Planning and Consulting Engagements, clients are provided with the appropriate estate documents within six (6) months of the client signing a contract with us, assuming that all the information and documents we request from the client are provided to us promptly. All prepayment plans require actuarially determined reserves be set aside to guarantee the availability of the financial resources required to deliver on the promises made. It is important to note that our firm does not engage in the practice of law. As such all questions that are legal in nature (i.e. analysis of Client’s existing estate plan or documents, how title should be held, definitions of or explanations on how a specific clause or documents work, etc.) shall be deferred to an attorney. C. Explanation of whether (and, if so, how) (i) we tailor our advisory services to the individual needs of clients and (ii) whether clients may impose restrictions on investing in certain securities or types of securities. (i) Individual Tailoring of Advice: We offer individualized investment advice to all clients. Form ADV Part 2A – Firm Brochure Page 7 Navigate Private Wealth LLC (ii) Ability of Clients to Impose Restrictions on Investing in Certain Types of Securities: Each client has the opportunity to place reasonable restrictions on the types of investments to be held in the portfolio. Restrictions on investments in certain securities or types of securities may not be possible due to the level of difficulty this would entail in managing the account. Restrictions would be limited to our Comprehensive Portfolio Management service. D. Participation in Wrap Fee Programs. We do not offer wrap fee programs. E. Disclosure of the amount of client assets we manage on a discretionary basis and the amount of client assets we manage on a non-discretionary basis as of December 31, 2022. We manage $338,929,515 as of December 31, 2022, all of which are on a discretionary basis.