Disclosures
Naviter Wealth LLC (“Naviter”) is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information. Advice may only be provided by Naviter’s advisory persons after entering into an advisory agreement and provided Naviter with all requested background and account information.
Additional information about Naviter and its Advisory Persons is available on the SEC’s website at www.advisorinfo.sec.gov/naviterwealth by searching with the Advisor’s firm name or CRD# 311508.
Investment Management
Investing in securities includes inherent risks. Naviter assists Clients in determining an appropriate strategy[s] based on several considerations including but not limited to risk tolerance & time horizon. There is no guarantee that a Client will meet their investment goals. While research & analysis help the Advisor evaluate potential investments, it does not guarantee that the investment will increase in value. Assets can lose value regardless of whether extensive research, analysis, & due diligence are performed.
Prior to engaging Naviter to provide investment advisory services, each Client enters into an investment management agreement before advisory services are provided. Terms, conditions, authority, and responsibilities of the Advisor and the Client are contained within an IMA. Investment strategies, asset allocations, portfolio construction, and ongoing asset management can vary for each client's financial needs, goals, and risk tolerance.
Client participation in the investment management process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Advisor shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Advisor of any changes in financial condition, goals, or other factors that may affect this analysis
Affiliations & Services
Insurance Agency: Naviter is affiliated through common control and ownership with Naviter Insurance, LLC (“Naviter Insurance”), a licensed insurance agency. Certain Advisory Persons of the Advisor are also licensed insurance professionals {life, property, casualty, & health}. Naviter Insurance earns commission-based compensation for selling insurance products, including products sold to Clients of Naviter. The sale and implementation of life, property, casualty, and in certain limited circumstances, advanced life insurance, are separate and apart from Naviter Wealth's wealth management services. Insurance revenue/commissions are separate and in addition to advisory fees. This practice presents a conflict of interest because the Advisor is providing both Investment and Insurance advice. This can create an incentive to recommend insurance products to effectuate revenue beyond a Client's basic needs. However, Clients are under no obligation, contractually or otherwise, to purchase insurance products through any person affiliated with the Advisor.
Trust Services: Naviter Wealth, LLC is a Trust Representative Office of National Advisors Trust Company (NATC) and National Advisors Trust of South Dakota, Inc. (NATSD) doing business as Naviter Trust.
Affiliate Program: Certain Clients may be referred to the Advisor by either an affiliated or unaffiliated party (herein “Promoter”) and receive, directly or indirectly, compensation for the Client referral. In such instances, the Advisor will compensate the Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor and shall not result in any additional charge to the Client.
The Promoter’s services include making any introductions and providing information/materials about the advisory services and programs of the Advisor. Other services may include periodic contacts about investment performance, reviews, or other information as may be requested or required to assist in understanding the Advisor’s services or establishing an advisory relationship or providing/updating client information on behalf of the Advisor.
The compensation the Promoter receives for these promotion services, as described above, creates a conflict of interest in that the Advisor is compensating the Promoter in exchange for promoting its services to you and ultimately recommending that you utilize the Advisor’s investment advisory services. This creates an incentive for the Promoter to recommend that you engage the Advisor for investment advisory services. Promoters disclose if they are a current client of the advisor, that they will be compensated, and that there is an incentive to recommend the Advisor which is a conflict of interest.
Code of Ethics & Trading
Naviter has implemented a Code of Ethics (the “Code”) that defines the Advisor’s fiduciary commitment to each Client. This Code applies to all persons associated with Naviter (“Supervised Persons”). The Code was developed to provide general ethical guidelines and specific instructions regarding the Advisor’s duties to each Client. Naviter and its Supervised Persons owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of Naviter’s Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code covers a range of topics that address employee ethics and conflicts of interest.
Naviter allows Supervised Persons to purchase or sell the same securities that may be recommended to and/or purchased by Clients. Owning the same securities that are recommended to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted, the Advisor has adopted a code of ethics to address trading and the investments of Supervised Persons. When trading personal accounts, Supervised Persons have a fiduciary duty to act in the best interest of their Clients and not to obtain advantageous pricing or transact in a security to the detriment of any Client.
Marketing & Social Media
Information provided in this material is for educational purposes only and does not constitute investment advice nor a recommendation of any investment, legal, tax, or financial product. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. All information contained herein has been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy, reliability, or completeness of, nor liability for, decisions based on such information, and it should not be relied on as such. Consult with a qualified professional before making any legal, tax, investment, or financial decision.
An investment in a low-liquidity alternative involves significant risks and is suitable only for those persons who can bear the economic risk of the loss of their entire investment and who have limited need for liquidity in their investment. There can be no assurance that the low-liquidity alternative will achieve its investment objective. An investment in a low-liquidity alternative carries with it the inherent risks associated with the underlying investments. Each prospective investor should carefully review the Confidential Offering Memorandum and Limited Partnership Agreements before investing in a low-liquidity alternative.
Past performance is no guarantee of future returns. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable. Asset Allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss.
Privacy Disclosures
Naviter is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described in our Privacy Policy. Naviter does not collect personal non-public information through this website; however, the Advisor may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.
We do not respond to “do not track” requests because we do not track you over time or across third-party websites to provide targeted advertising. We may track you across our website to help us improve our content. We may use “cookies” and similar online technologies to keep, and sometimes track, information about you regarding your usage of our website. Cookies are small data files that are sent to your browser or related software from a web server and stored on your device. Cookies help us to collect information about your usage of our website, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our website, or if you delete cookies, you may experience some inconvenience in your use of our website, such as having to re-configure preferences.
When you are on this website you may have the opportunity to click-through to other websites, including websites operated by unaffiliated third-parties. These sites may collect nonpublic personal Information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This Privacy Policy does not address the information practices of other websites. The privacy policies of websites operated third-parties are located on those sites.
For a copy of the Naviter Privacy Policy, please contact us.
Website Terms of Use
Please read these terms and conditions of use (“Terms”) carefully before using the website located at https://www.naviterwealth.com/ (“Website”) or any of the information or services provided by Naviter Wealth, LLC (collectively “Naviter”, “we”, “our”, “us”) in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by Naviter in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.
Naviter reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
Additional Important Disclosures may be found in the Naviter Form ADV Part 2A. A copy may be requested by emailing team@naviterwealth.com.