How we get paid

We work for our clients, but we get compensated by the financial institutions from which we buy insurance or investment products. We do not receive a regular salary but are paid in the form of commissions.

For insurance products, the commissions are embedded in the price you pay for your coverage. The bulk of this commission per product is paid lump-sum to us when your application is approved and the insurance policy is delivered to you; and a very small amount continues to be paid annually while the policy is in force. If you cancel the insurance policy in the first 24 months of coverage, we have to return the commission to the insurance company; this is called a “chargeback.” That means we only want to sell you a coverage that actually fits your needs!

We at Navarro Financial Group charge 1.0-1.5% for managing your investment accounts for designing the portfolio, for regularly monitoring performance and for making appropriate and timely adjustments. Since we invest our clients’ money in No Load or F Series mutual funds, there are no initial charges to invest, no charges to make switches, no charges to make partial or total withdrawals. That 1.0-1.5% service fee is based on the portfolio balance.

This means that the higher our clients’ portfolio balance goes, the bigger our compensation is. We only win if you win!

We aim to help you navigate through chaos and confusion towards financial peace and security. Our goal is to be with you on your journey, every step of the way