Founder Michael Towle is a Southern California native, living within a mile of the ocean for most of his life. His first job at the age of 12 was as an ordinary seaman on the sailing ketch S/V Nehemiah. Michael continued to work on boats through high school and into college. Summers and weekends for Michael were spent at sea. Michael earned his U.S. Coast Guard Captain’s License at the age of 22 and his British Master of Yachts Commercial License several years later. He went on to spend the next 10 years at sea serving as Master (captain) of many different types of vessels including commercial sport-fishing vessels, private yachts, and offshore supply vessels. Michael’s experience as a captain and navigator taught him the invaluable lessons of attention to detail, the importance of planning, and the ability to examine and process a wide range of factors into every decision. These are the same skills that are required in financial planing. Michael’s experience at sea and his true to passion to help clients successfully navigate their financial lives is the reason for the name of our firm.

The name NavCap combines the two pillars of our business: Financial Planning and Investment Management.

• Navigation and Expertise: Our focus on providing comprehensive financial planning remains at the core of our mission. We are dedicated to help navigate your financial life while addressing your unique financial needs and helping you achieve your long-term goals.
• Capitalizing on Opportunities: We are dedicated to helping you achieve your goals through prudent investment management and consistently looking for ways to capitalize on opportunities to help grow and preserve your wealth.