Navian Capital

Navian Capital

Founded in 2005, Navian Capital operates as a specialized distributor of structured products, fixed income solutions, and annuities to bank and independent broker-dealers. The firm does not manage discretionary capital; it originates, customizes, and places market-linked CDs (MLCDs), market-linked notes, and indexed annuities from a roster of national issuing banks and insurance carriers. Navian Capital's core strategy revolves around product access and customization. It maintains issuance relationships with institutions including JPMorgan, HSBC, Barclays, BNP Paribas, Citi, and Wells Fargo for structured CDs and notes. On the annuity side, it works with carriers such as Reliance Standard, Voya, and Security Benefit to distribute fixed, indexed, and variable products. The firm also runs private-label programs, working with banks to build MLCDs under the bank's own name. Its Power CD program extends the model by offering FDIC-insured deposit placements for referring banks. A proprietary analytics and order-entry platform, Luma, supports broker-dealers with monthly due diligence, product comparisons, and electronic order processing. The firm lists offices across eight US and international locations — Philadelphia, Pasadena, San Francisco, Jackson, Palo Alto, Minneapolis, Harleysville, as well as Stockholm and Shenzhen — though no team size or executive roster is publicly disclosed. Navian Capital also provides in-field product training, marketing support, and customized content for its distribution partners, functioning as an outsourced structured-product desk for advisors who lack in-house resources. Navian Capital's structural differentiator is its role as an intermediary that sits between national-scale issuers and fragmented broker-dealer networks, aggregating demand for customized structured products. It is neither an asset gatherer nor a proprietary trading operation. The firm's value rests on distribution reach and the ability to white-label and tailor products across multiple issuing banks, a model that depends on maintaining deep issuer relationships and suitability oversight for a diverse client base.