People
Navigator Financial Planning is a family business owned by David Crozier and his wife, Gail.
David Crozier
David
has provided professional wealth management advice to his clients
since 1994. They appreciate his investment expertise and honesty,
and his ability to make the complex simple. By choosing to work
with a small number of wealthy clients, David can focus on helping
them realise their lifestyle and financial goals successfully
and with minimum risk.
Starting Navigator in 2004, David was the first fee-based financial planner in Northern Ireland. He was also the first Certified Financial Planner (CFP) in the Province, was in the inaugural group of Chartered Financial Planners, and is a Trust & Estate Practitioner. All of this gives him extensive technical knowledge, especially in investments and inheritance tax.
His astute approach to commercial opportunity also saw him taking the lead in asset-class investing when it was first introduced in the UK ? he is still at the forefront of this initiative today.
He occasionally writes on financial services matters for the national, local, and trade press, and is currently writing a regular financial column for NI4Kids.
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Look
at market fluctuations as your friend rather than your enemy;
profit from folly rather than participate in it.
EBIS
The investment management business in the UK continues to provide massive increases in wealth. Unfortunately, most of this is transferred from investors pockets to those of the fund management industry itself in the form of bonuses, commissions, fees and other expenses. The evidence suggests that investors are largely wasting their money in the vain pursuit of "out performance".
Evidence Based Investment Solutions (EBIS) was formed in 2008
by nine people who each run their own high quality independent
wealth 
management
boutiques across England, Northern Ireland and Scotland, representing
over £150 million of funds under management. The purpose
of the group is to put the case for a smarter way of investing
and to provide a central resource for sharing our investment philosophy
with a wider audience. This philosophy is based on evidence.
The group came together through a shared view of how investment management in the UK needs to change.
EBIS is also an ongoing research and development organisation, meeting regularly to share best practice ideas and processes between our businesses.
EBIS itself does not provide investment advice.
Investment Partners
Dimensional
In order for Navigator Financial Planning to deliver a successful
investment experience for our customers we use the philosophy
of Dimensional Fund Advisors, and many of the investment funds
we use within our 
recommended
portfolios are managed by that company. Their strategies combine
the broad diversification, low cost, and reliable asset class
exposure of passive strategies and add value through engineering
and trading.
Over 1,000 US Investment Advisors rated Dimensional as the best overall company in the US fund management industry 3 years in a row.
Download the DALBAR 2002 Financial Professional Survey
Navigator Financial Planning is proud to be a Dimensional approved investment advisor.
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