welcome to the southland Larry, I hail from Montanna myself (Lolo) Navaho is great koke country. I dont get up there much since I got my slip at Heron, Which is equally good. The guys in the marina tackle shops are your best bet to find out where the fish are hanging, than its standard procedure. Find the schools, find the depth, hit them with an assortment of colors and shapes
untill you see what they want and get after it..Always had my best luck there with chartrusse hoochie, wedding rings and real flashy big spinners when they go deeper than 32 ft.. Watch the weather, it can turn nasty on you in a hurry. If you get cought out dont be slow to head for the beach.. Again, welcome down and keep us informed