Naviance, and really, the colleges’ own released ranges, are not very useful. You have to realize that there are larger forces at play here, that are not revealed. For instance, underrepresented minority students who had significantly lower scores (and GPAs) are admitted. The same can go for donor kids, legacies, first gen to college, recruited athletes, or kids with special talents that the school wanted. And then there’s the entire issue of more and more schools going test optional. Not to mention that, although colleges don’t like to admit it, they can also be influenced by the applicant’s ability to pay. I have seen younger siblings of full pay students at very selective schools get accepted with lesser stats - I think that the school figured that if the older sib was full pay, they could safely assume that this one would be, too, so they lowered the bar a little.
For all these reasons, I’m not sure that Naviance is the best place to start one’s search. I’d say that networking is the way to go. Talk to the other parents. Do research on here.
If the student has none of the above-mentioned factors that would increase their likelihood of being accepted at a highly competitive school, I would say that they should be looking at matching the 75th% of test score and GPA, to be considered a match. Consider size of school, location, atmosphere, academics, social scene, climate, etc. to narrow down the search. Don’t forget cost! If the family is not going to qualify for significant financial aid, but cannot/will not pay high tuition, do you really want to set the student up for acceptances that they’d have to decline, due to money? If the student does have one of the above mentioned factors, you probably need to be working through those who have knowledge of how it affects admissions - coaches, teachers, etc.
Old Ivy friend of mine took kid to see all the most selective schools, because they thought that since the kid’s GPA and scores were within the range listed, they were an option. Of course, since the kid had no hooks or spikes, they didn’t get into a single one, and wound up at their state’s flagship, which wasn’t such a terrible thing.