Fee-Only Investment Adviser in Utah.
State-registered in Sandy, Utah. I manage your portfolio — fiduciary, fee-only, starting at $100. No commissions. No sales pitch.
Finding a Real Fiduciary in Utah Is Harder Than It Should Be.
Most advisers are paid on commission. Finding one who isn't (and who will take your account) takes more work than it should.
Most Advisers Work on Commission
They earn money when you buy a product, not when your portfolio does well. A fiduciary is legally required to act in your interest — and can't earn commissions. Most advisers in Utah aren't fiduciaries.
Sky-High Minimums Lock You Out
You have real money to invest. But the firms worth using often want far more than you have just to open an account. My minimum is $100. No balance gatekeeping.
Hard to Tell Who's Actually Registered
Anyone can call themselves a "financial adviser." Not everyone is registered. I'm a Registered Investment Adviser with the State of Utah — CRD #337496. You can look me up on IARD in under a minute.
Local, Without the Overhead
I'm based in Sandy, Utah and registered in-state. I work entirely remote — no office costs baked into your fee. When you email me, I'm the one who replies.
Three Model Portfolios
I'll match you to the right one.
Income Portfolio
Dividends and cash flow Good for: building cash flow from your portfolioDividend-paying companies selected for cash flow — not price chasing. This portfolio can still lose value. Dividends are not guaranteed and can be cut or eliminated at any time.
Growth Portfolio
Long-term compounding Good for: building wealth over 5–20 yearsCompanies with durable competitive advantages, held for long-term compounding. Growth investments carry market risk, and your portfolio's value may decline, including over extended periods.
Speculative Portfolio
Higher risk, higher volatility Good for: investors with high risk tolerance and a long time horizonConcentrated positions in a small number of smaller companies. Higher risk than the other two portfolios. This portfolio may experience significant declines and loss of principal. Suitable only for investors with high risk tolerance.
| What you won't pay | Amount |
|---|---|
| Commissions | $0 |
| Referral Fees | $0 |
| Insurance Sales | $0 |
| Early Termination Penalty | $0 |
Not sure which one? Tell me your goals and I’ll recommend one.
All three portfolios hold individual stocks and cash, held at Interactive Brokers in accounts in your name. I have trading authority to manage your investments. I cannot withdraw funds or transfer money out. Interactive Brokers is a SIPC member. Investing involves risk, including the possible loss of principal. No portfolio is guaranteed to achieve its objective. Advisory fees do not include potential brokerage costs, transaction charges, or taxes. See Form ADV Part 2A for complete fee details.
How to Start
Three steps. Here's exactly how it works.
Review & questionnaire
I'm registered in Utah. You can verify me on IARD before committing to anything. I send disclosures up front. You fill out a short form about your goals, timeline, and risk tolerance.
I pick the portfolio
I recommend Income, Growth, or Speculative based on your answers and send you a clear write-up of the reasoning.
Sign & fund
Sign online. Fund your Interactive Brokers account. I manage it from there. You can monitor everything via IBKR's dashboard.
You can stop anytime. No contracts, no exit fees.
About Me
Software engineer turned investment adviser.
Based in Sandy, Utah. I work with clients remotely — no office visits required. My only income is the advisory fee on this page. No commissions, no products.
Series 65 (investment adviser licensing exam) · SIE (Securities Industry Essentials) · Utah-Registered IAR
Registered Investment Adviser
Verify on IARD ↗Read the disclosures: Form ADV 2A · ADV 2B · Privacy Policy
I started NarStar because everyday Utah investors kept hitting the same walls. The fee-only advisers had minimums that made them inaccessible. The ones who would take your account were being paid to sell you something. I built NarStar to offer a third option — registered in Utah, fee-only, with a $100 minimum. I work with clients throughout Utah — Sandy, Salt Lake City, Provo, and across the state — entirely remotely.
My background is in software engineering. Before NarStar, I built the analytical systems that professional traders use to make decisions. That work develops a systematic way of thinking — in data and probabilities. I apply the same approach here. When you email me, I'm the one who replies.
NarStar registered in Utah in January 2026. I don’t have years of client results to point to yet. What I do have is my registration, my disclosures, and the fact that your money sits at Interactive Brokers in your name, not mine. Any remaining conflicts of interest are described in my Form ADV Part 2A.
Want to talk? Send me a message →
Also built for: busy investors and new investors.
Questions
Things Utah investors ask before getting started.
Yes. NarStar LLC is registered as an investment adviser with the State of Utah — CRD #337496. You can verify this at adviserinfo.sec.gov. Search firm CRD 337496. Registration has been active since January 2026.
No. I work with clients entirely remotely. Everything (questionnaire, disclosures, agreement, account setup) is done online or by email. No office visits required.
The minimum is $100. Most advisers require significantly more just to open an account. I don't have that kind of minimum.
Fees range from 0.60% to 1.60% per year depending on the portfolio, deducted quarterly. No commissions. No referral fees. No exit fees. My only income is the advisory fee.
I’m Registered in Utah. Let’s Talk.
No sales pitch. Just a conversation.
- I reply within 1–2 business days.
- pavel@narstar.capital
- 801-251-6844