# EDGAR Filing Document

**Accession Number:** 0002127791
**File Stem:** 0002127791-26-000001
**Filing Date:** 2026-4
**Character Count:** 11044
**Document Hash:** 942a24de0edb28e73eba413f1cef43ea
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002127791-26-000001.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0002127791-26-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Navigate Wealth Management, LLC
- **CENTRAL INDEX KEY:** 0002127791

**ORGANIZATION NAME:**
- **EIN:** 472193546
- **STATE OF INCORPORATION:** AL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-26829
- **FILM NUMBER:** 26899077

**BUSINESS ADDRESS:**
- **STREET 1:** 2850 19TH STREET SOUTH
- **STREET 2:** SUITE 350
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35209
- **BUSINESS PHONE:** 205-683-4890

**MAIL ADDRESS:**
- **STREET 1:** 2850 19TH STREET SOUTH
- **STREET 2:** SUITE 350
- **CITY:** BIRMINGHAM
- **STATE:** AL
- **ZIP:** 35209

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Navigate Wealth Management LLC<br>**Address:** 2850 19TH STREET SOUTH<br>SUITE 350<br>BIRMINGHAM, AL 35209

**Form 13F File Number:** 028-26829

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Carl John Grahs<br>**Title:** Principal<br>**Phone:** 205-224-9500

**Signature, Place, and Date of Signing:**

CARL JOHAN GRAHS  BIRMINGHAM, AL  04-27-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 72

**Form 13F Information Table Value Total:** $142426417

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 415716 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| AMAZON COM INC | COM | 023135106 |  | 431596 | 1727 | SH |  | SOLE |  | 0 | 0 | 1727 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 253939 | 770 | SH |  | SOLE |  | 0 | 0 | 770 |
| APPLE INC | COM | 037833100 |  | 3980595 | 14955 | SH |  | SOLE |  | 0 | 0 | 14955 |
| APPLIED MATLS INC | COM | 038222105 |  | 291016 | 738 | SH |  | SOLE |  | 0 | 0 | 738 |
| BANK AMERICA CORP | COM | 060505104 |  | 203331 | 3802 | SH |  | SOLE |  | 0 | 0 | 3802 |
| CHEVRON CORPORATION | COM | 166764100 |  | 557940 | 3000 | SH |  | SOLE |  | 0 | 0 | 3000 |
| COCA COLA CO | COM | 191216100 |  | 525739 | 7038 | SH |  | SOLE |  | 0 | 0 | 7038 |
| DIAMONDBACK ENERGY INC | COM | 25278X109 |  | 221497 | 1167 | SH |  | SOLE |  | 0 | 0 | 1167 |
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 |  | 353150 | 8329 | SH |  | SOLE |  | 0 | 0 | 8329 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 1892397 | 50050 | SH |  | SOLE |  | 0 | 0 | 50050 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 4900024 | 132219 | SH |  | SOLE |  | 0 | 0 | 132219 |
| DIMENSIONAL ETF TRUST | GLOBAL REAL EST | 25434V658 |  | 425056 | 14909 | SH |  | SOLE |  | 0 | 0 | 14909 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 4599515 | 84550 | SH |  | SOLE |  | 0 | 0 | 84550 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 620817 | 15253 | SH |  | SOLE |  | 0 | 0 | 15253 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 339519 | 9550 | SH |  | SOLE |  | 0 | 0 | 9550 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 4079997 | 99829 | SH |  | SOLE |  | 0 | 0 | 99829 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 209766 | 4302 | SH |  | SOLE |  | 0 | 0 | 4302 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 1126279 | 26893 | SH |  | SOLE |  | 0 | 0 | 26893 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 3113498 | 40540 | SH |  | SOLE |  | 0 | 0 | 40540 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 10868157 | 291137 | SH |  | SOLE |  | 0 | 0 | 291137 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 3224928 | 63383 | SH |  | SOLE |  | 0 | 0 | 63383 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 5378943 | 69984 | SH |  | SOLE |  | 0 | 0 | 69984 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 8694070 | 234152 | SH |  | SOLE |  | 0 | 0 | 234152 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 2128420 | 32069 | SH |  | SOLE |  | 0 | 0 | 32069 |
| DIMENSIONAL ETF TRUST | WORLD EX US CORE | 25434V880 |  | 530157 | 14698 | SH |  | SOLE |  | 0 | 0 | 14698 |
| ELI LILLY  CO | COM | 532457108 |  | 605462 | 670 | SH |  | SOLE |  | 0 | 0 | 670 |
| GLOBE LIFE INC | COM | 37959E102 |  | 448384 | 2971 | SH |  | SOLE |  | 0 | 0 | 2971 |
| HOME DEPOT INC | COM | 437076102 |  | 298867 | 869 | SH |  | SOLE |  | 0 | 0 | 869 |
| HONEYWELL INTL INC | COM | 438516106 |  | 968657 | 4359 | SH |  | SOLE |  | 0 | 0 | 4359 |
| INVESCO EXCH TRADED FD TR II | RAFI EMRGNG MRKT | 46138E727 |  | 312817 | 11081 | SH |  | SOLE |  | 0 | 0 | 11081 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1000 ETF | 46137V613 |  | 1945904 | 38540 | SH |  | SOLE |  | 0 | 0 | 38540 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 |  | 475008 | 9451 | SH |  | SOLE |  | 0 | 0 | 9451 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 393692 | 611 | SH |  | SOLE |  | 0 | 0 | 611 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 17558505 | 174555 | SH |  | SOLE |  | 0 | 0 | 174555 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 210590 | 1559 | SH |  | SOLE |  | 0 | 0 | 1559 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 7219124 | 72576 | SH |  | SOLE |  | 0 | 0 | 72576 |
| ISHARES TR | ESG AWR US AGRGT | 46435U549 |  | 276486 | 5800 | SH |  | SOLE |  | 0 | 0 | 5800 |
| ISHARES TR | GLOBAL REIT ETF | 46434V647 |  | 455604 | 16849 | SH |  | SOLE |  | 0 | 0 | 16849 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 440871 | 4338 | SH |  | SOLE |  | 0 | 0 | 4338 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 361928 | 768 | SH |  | SOLE |  | 0 | 0 | 768 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 389400 | 1724 | SH |  | SOLE |  | 0 | 0 | 1724 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 521858 | 4758 | SH |  | SOLE |  | 0 | 0 | 4758 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 1045030 | 9475 | SH |  | SOLE |  | 0 | 0 | 9475 |
| J P MORGAN EXCHANGE TRADED F | MUNICIPAL ETF | 46641Q647 |  | 210746 | 4174 | SH |  | SOLE |  | 0 | 0 | 4174 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 236941 | 757 | SH |  | SOLE |  | 0 | 0 | 757 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 266122 | 1030 | SH |  | SOLE |  | 0 | 0 | 1030 |
| LOWES COS INC | COM | 548661107 |  | 314379 | 1252 | SH |  | SOLE |  | 0 | 0 | 1252 |
| MICROSOFT CORP | COM | 594918104 |  | 1686130 | 3975 | SH |  | SOLE |  | 0 | 0 | 3975 |
| NAKAMOTO INC | COM | 49457M106 |  | 10166 | 44197 | SH |  | SOLE |  | 0 | 0 | 44197 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 568174 | 1880 | SH |  | SOLE |  | 0 | 0 | 1880 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 784529 | 3925 | SH |  | SOLE |  | 0 | 0 | 3925 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 1849022 | 12992 | SH |  | SOLE |  | 0 | 0 | 12992 |
| SERVISFIRST BANCSHARES INC | COM | 81768T108 |  | 931566 | 11786 | SH |  | SOLE |  | 0 | 0 | 11786 |
| SOUTHERN CO | COM | 842587107 |  | 990009 | 10770 | SH |  | SOLE |  | 0 | 0 | 10770 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 2271640 | 20687 | SH |  | SOLE |  | 0 | 0 | 20687 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A201 |  | 582953 | 5498 | SH |  | SOLE |  | 0 | 0 | 5498 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 646346 | 918 | SH |  | SOLE |  | 0 | 0 | 918 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 795917 | 10152 | SH |  | SOLE |  | 0 | 0 | 10152 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1476985 | 20019 | SH |  | SOLE |  | 0 | 0 | 20019 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 11031889 | 17044 | SH |  | SOLE |  | 0 | 0 | 17044 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 6168484 | 17734 | SH |  | SOLE |  | 0 | 0 | 17734 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 3036329 | 38087 | SH |  | SOLE |  | 0 | 0 | 38087 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 246504 | 4235 | SH |  | SOLE |  | 0 | 0 | 4235 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 996265 | 19775 | SH |  | SOLE |  | 0 | 0 | 19775 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 1087313 | 13699 | SH |  | SOLE |  | 0 | 0 | 13699 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000IDX | 92206C730 |  | 8484310 | 26584 | SH |  | SOLE |  | 0 | 0 | 26584 |
| VANGUARD SCOTTSDALE FDS | VNG RUS2000IDX | 92206C664 |  | 1179394 | 10629 | SH |  | SOLE |  | 0 | 0 | 10629 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 272800 | 3332 | SH |  | SOLE |  | 0 | 0 | 3332 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 1811098 | 26704 | SH |  | SOLE |  | 0 | 0 | 26704 |
| VULCAN MATLS CO | COM | 929160109 |  | 640166 | 2202 | SH |  | SOLE |  | 0 | 0 | 2202 |
| WALMART INC | COM | 931142103 |  | 555991 | 4290 | SH |  | SOLE |  | 0 | 0 | 4290 |

---