Broker Check

What We Do

Navien Financial helps address the complex financial needs of affluent families and closely held businesses. Working in coordination with their other advisors, we focus on the design and implementation of insurance-based strategies that enhance our clients’ estate, gift, tax and investment planning. We provide sophisticated insurance solutions utilizing unique planning concepts to solve our clients’ needs such as Estate and Tax efficient strategies, paying for a need and financing aspirations, and maximizing gifting.

Each business and family has opportunities, challenges, and objectives that make their strategy uniquely personalized. We are deeply committed to building and sustaining long-term partnerships with our clients as we help them navigate an ever-changing financial landscape.

We are dedicated to providing value-added services to help our clients preserve the Estates they have worked so hard to build. Our breadth of knowledge and innovation combined with great relationships increase our ability to leverage best rates to underwrite unique contracts for your specific needs delivering efficient client service and communication through the process.

The information provided is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation.

We evaluate and provide creative guidance around the following strategies:

Estate And Tax Planning

  • Grantor Retained Annuity Trust (GRAT)
  • Irrevocable Life Insurance Trust (ILIT)
  • Spousal Lifetime Access Trust (SLAT)
  • Insurance Services

Premium Financing

  • Business Income Continuation, Succession and Estate Conservation Strategies
  • Life Insurance
  • Disability Income Protection
  • Long-Term Care Insurance

Executive Benefits and Business Planning Techniques

  • Corporate Owned Life Insurance (COLI)
  • Bank Owned Life Insurance (BOLI)
  • Executive Fringe Benefit Plans
  • Executive Bonus
  • Split Dollar
  • Deferred Compensation
  • Key Man/Buy Sell
  • Qualified Retirement Plans, Pension and Profit Sharing Plans
  • Life Insurance
  • Short Term and Long Term Disability Income Coverage
  • Long Term Care Insurance