NAVALIGN

NAVALIGN receives fees directly from clients, typically calculated as a percentage of assets under management or as a fixed flat fee for financial planning services. The firm does not earn commissions or compensation from third-party product providers, which distinguishes its model from broker-dealer firms that may have incentives tied to specific investment products. This fee-only structure is disclosed in the firm's Form ADV filings.

Jon Ten Haagen, the firm's founder and CEO, makes all portfolio and investment decisions. He also serves as chief compliance officer and sole owner, meaning there is no investment committee or outside consultant directing allocations. This concentrated authority is consistent with the firm's boutique, owner-operated structure.

NAVALIGN's investment approach relies on diversified, low-cost ETFs and mutual funds rather than individual security selection. The firm does not appear to allocate client capital to private equity, venture capital, hedge funds, or direct real estate investments. Portfolios are constructed around broad asset classes — equities, fixed income, and cash — using asset-allocation models suited to each client's financial plan.

The firm serves individuals, high-net-worth families, and small businesses, primarily in the New York metropolitan area. Client accounts include taxable brokerage accounts, traditional and Roth IRAs, and small-business retirement plans. NAVALIGN does not serve large institutional investors such as pension funds, endowments, or sovereign wealth funds.

NAVALIGN, LLC operates as a limited liability company registered with the state of New York as an investment adviser. It is a sole proprietorship in practice, with Jon Ten Haagen as the single owner, investment adviser representative, and chief compliance officer. The firm has no parent company, subsidiaries, or affiliated advisory entities.

Like most RIAs, NAVALIGN does not take physical custody of client funds or securities. Client assets are held at a qualified custodian — typically a brokerage firm or trust company — while NAVALIGN maintains discretionary trading authority to execute its investment strategy on behalf of clients, as disclosed in its Form ADV.

NAVALIGN is neither. It is a registered investment advisory firm serving multiple unrelated individuals, families, and businesses. It does not manage wealth for a single family, nor does it offer the consolidated family-office services — tax preparation, estate administration, concierge services — typically associated with multi-family office platforms.