Your Experienced Financial Professionals

Navigro Financial provides personalized retirement and financial planning, helping individuals, families, and business owners create their financial futures. Our focus is on delivering forward-thinking financial strategies and planning that can pave the way to long-term financial confidence for our clients. If you’re looking for a trusted partner in your financial journey, we’re here to help. So, don’t wait. Contact us today!

My Mission

With over 30 years in financial services, I’ve witnessed the consequences of self-serving advice, corporate agendas, misleading advertisements, and biased software tools—all of which have too often led to poor outcomes and broken trust. Far too frequently, individuals presenting themselves as “advisors” place their own profitability above the interests of the clients they claim to serve.

Navigro Financial was founded on the principles I have upheld throughout my career—integrity, respect, and transparency. We work closely with families, business owners, professionals, and pre-retirees to help them navigate life’s financial decisions with clarity and confidence. We believe that true financial planning involves reducing  unnecessary risk, fees, and taxes, while providing guidance rooted in purpose and trust.

When clients are empowered to succeed on their own terms, that becomes the most rewarding measure of success to me.

Ziaul "Zia" Khondker

Founder & Financial Planner

With over three decades of financial services industry experience, Ziaul I. Khondker, known as “Zia,” has established a reputation for unwavering dedication, guidance, and a client-first approach.

Zia began his career in 1989 as an advisor at Stuart-James Investment Bankers, progressing through his career at firms such as Kemper Securities, Lovett Underwood Neuhaus & Webb, Sanders Morris Harris, Harris Webb & Garrison, and Raymond James & Associates. His extensive career also includes leadership positions with insurance carriers like MetLife, Prudential, and Guardian, where he worked in recruiting, mentoring, and developing the next generation of financial professionals.

Today, Zia serves as an independent advisor, dedicated solely to the best interests of his clients. Unbound by corporate agendas, he partners with a select network of professionals and financial institutions to design customized strategies for long-term financial confidence. Zia is affiliated with Gradient Advisors, LLC, an SEC registered investment advisor. Through this affiliation, he has access to resources in a dedicated back-office, and teams of CFP®s and CFA®s. These resources bring depth, experience and strength to every aspect of financial planning. 

Outside of his professional endeavors, Zia channels his creativity and zest for life into photography and karaoke, infusing artistry and joy into every aspect of his journey.

Strategic Alliances

MICHAEL BINGER, CFA®

President of Gradient Investments, LLC

As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 30 years of industry experience including prior roles managing multi-billion dollar portfolios for an institutional asset manager. Michael is a CFA® charterholder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.

KEITH GANGL,
CFA®

Senior Portfolio Manager of Gradient Investments, LLC

Keith joined Gradient Investments in 2018 and has more than 25 years of industry experience. Prior roles include asset management for a multi-billion dollar portfolio with a large institutional asset management firm. Keith is a CFA® charterholder, managed a Lipper Award winning mutual fund, and has been featured in media outlets such as Investor’s Business Daily, Nasdaq, Reuters, and Bloomberg.  

TYLER ELLEGARD, CFA®

Portfolio Manager of Gradient Investments, LLC

Tyler joined Gradient Investments in 2018 after prior roles with a large retail wealth advisory firm. Tyler has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charterholder and has been featured in media outlets including TD Ameritrade Network, Reuters and the Wall Street Journal.

This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.