# Carl Grahs

> Carl Grahs is a fee-only financial advisor at Navigate Wealth Management in Birmingham, Alabama, who holds the CFA credential. Carl charges a percentage of assets and focuses on retirement planning and founders (pre-exit).

Page: https://find.wellspent.co/advisors/carl-grahs/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Navigate Wealth Management
- **Based in:** Birmingham, Alabama
- **Fee model:** Percentage of assets
- **Assets under management (firm):** $429.6M across 873 accounts
- **Credentials:** CFA
- **Specialties:** Retirement planning, Founders (pre-exit)
- **Works with:** Pre-retirees, Founders, Mid-life transitions, Multi-generational families
- **CRD:** 4817261 (https://adviserinfo.sec.gov/individual/summary/4817261)
- **SEC registration:** Investment adviser representative in AL
- **Exams passed:** Series 63 (2004)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://www.navigatewealth.com

## Frequently asked questions

### Is Carl Grahs a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Carl holds no broker registration, and Navigate Wealth Management reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Carl charge for financial advice?

Carl charges a percentage of assets.

### Where is Carl Grahs based?

Carl Grahs is based in Birmingham, Alabama.

### What does Carl specialize in?

Carl's specialties include retirement planning and founders (pre-exit). Carl works with pre-retirees, founders, mid-life transitions and multi-generational families.

### What credentials does Carl Grahs hold?

Carl Grahs holds the CFA credential.

### Is Carl Grahs registered with the SEC?

Yes. Carl Grahs is registered as an investment adviser representative in AL (CRD 4817261), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Navigate Wealth Management manage?

Navigate Wealth Management reports $429.6M across 873 accounts in assets under management.

### How do I contact Carl Grahs?

Through Carl's website, www.navigatewealth.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4817261): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://navigatewealth.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.