Reviewed for
Insurance and Protection ( 15 )
Mortgages ( 6 )
Pensions ( 37 )
Equity Release ( 3 )
Retirement income (annuities, drawdown) ( 18 )
Investments and Savings ( 53 )
Pension Transfers - Non Specialist ( 3 )
Inheritance Planning ( 25 )
Long Term Care ( 6 )
Pension Transfers - Specialist ( 2 )
Financial Planning ( 17 )
Financial Mentoring ( 1 )
Reviewers' assets
£500k+ ( 16 )
£200k - £500k ( 13 )
£100k - £200k ( 4 )
Up to £50k ( 1 )
£50k - 100k ( 1 )
Client reviews
Review from verified client
February, 2024
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Long term planning
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
With financial planning advice for the future and with investments
David's reply
Thanks very much for taking the time to leave a review - it is very much appreciated. Picking up your response to the last question, we would be very happy to have a chat with the boys, as and when you think that is appropriate. All the very best, and speak soon DC
First impression from a user who is not yet a client
February, 2024
Overall
Please provide a brief comment about your experience with David
David was extremely knowledgeable, very understanding and helpful regarding a solution to our financial future. On the strength of this visit we are now making arrangements to take the situation forward by speaking to solicitors. We are very thankful for his input. Would highly recommend David's services.
David's reply
Really appreciate you taking the time to leave a review. I'm glad we were able to help, and if there's anything we can do in the future, please do get in touch.
Review from verified client
January, 2024
Overall
Advice
Service
Value
Based in Worcestershire
What were the circumstances that caused you to initially look for an adviser?
Multiple pensions and not sure if I had saved enough for when I retire.
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
Encouraging me to gain all the information I needed, then advising on the one place to invest
What could they have done better?
The plan has gone down, not up, but I understand that possibility. Would have been better if it was still worth as much as I invested!
David's reply
Hi Beryl - I really appreciate your feedback. Investing is about playing the long game, and clearly you understand the need to stick with it, despite setbacks that are hopefully temporary! Andy & I will continue to work with you to make sure that your financial plan stays on track to give you 'enough'! Speak soon DC
Review from verified client
January, 2024
Overall
Advice
Service
Value
Based in West Midlands
What were the circumstances that caused you to initially look for an adviser?
My existing adviser stopped trading.
Have you seen the outcome you were hoping for?
Yes.
How has David Crozier helped you?
Able to advise with confidence.
What could they have done better?
.
David's reply
Thanks, Jo, for taking the time to leave a review. Our objective is always to leave our clients with confidence in their financial situation, and I am delighted that this your outcome too. Andrew & I very much look forward to continuing to support you, God willing. All the best DC
Review from verified client
November, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Retirement Planning Inheretance Planning
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
As someone whom we felt we could trust his advice was very professional
David's reply
Thanks very much for taking the time to leave your comments. It's feedback like yours that helps us to keep providing the service that our clients appreciate. It is a pleasure to work with you and I look forward to continuing to do so. All the best DC
First impression from a user who is not yet a client
November, 2023
Overall
Please provide a brief comment about your experience with David
David was great. He listened and was very personable. I felt very comfortable and he explained everything fully. I felt he really took the time to listen to what I said and what was important to me.
David's reply
Thanks Angila - that's great to hear. We do try hard to understand what is really important to our clients, and I'm now looking forward to working with you to make that happen. Speak soon DC
Review from verified client
November, 2023
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
Worries that I was not making sufficient pension provision.
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
Providing reassurance about market fluctuations and arranging to rebalance portfolio as appropriate.
What could they have done better?
Not sure
David's reply
Hi Stephen Thanks for your feedback. It has been a pleasure working with you over the years, and seeing your family develop with your help, and then seeing you safely into 'making work optional'. I look forward to the next 10 years, God willing! DC
First impression from a user who is not yet a client
November, 2023
Overall
Please provide a brief comment about your experience with David
I found David to be very personable immediately on our first meeting. I was initially surprised by the questions asked and it became obvious very quickly that this was to be a very individual tailored discussion on my personal needs and hopes for my future financial situation. It made me think or perhaps rethink what it was that i expected from my financial investments considering my very altered circumstances since the separation. David explained everything very well and was open to my every question.
David's reply
Hi Julie Thanks very much for your helpful feedback. I am glad that we have been able to help thus far, and am very much looking forward to getting you on track to achieve the things that are most important to you. Speak soon DC
First impression from a user who is not yet a client
October, 2023
Overall
Please provide a brief comment about your experience with David
David and his staff made you feel at ease and was very informative.
David's reply
I just wanted to say a big 'Thank you' from Niamh, the team & myself for your kind words and for entrusting your business to Navigator. We do try hard to help people achieve the things that are most important to them and it's a great feeling to be told that we have hit the mark. We very much look forward to working with you and your mum in the years ahead, God willing. DC
Review from verified client
August, 2023
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
Comprehensive financial planning for the family.
Have you seen the outcome you were hoping for?
Good financial and retirement planning and financial milestones/targets achieved over the last 19 years.
How has David Crozier helped you?
Setting up Trusts, portfolio investments, estate planning.
What could they have done better?
NIL
David's reply
Wow! Really appreciate you taking the time to write such a comprehensive review. We really enjoy working with you and your family and look forward to continuing to help you achieve the things that are most important to you. All the best DC
Review from verified client
August, 2023
Overall
Advice
Service
Value
Based in West Sussex
What were the circumstances that caused you to initially look for an adviser?
I have been a client of David's for many years and have always received sound advice.
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
By the sound advice and encouragement I have always received
What could they have done better?
In my circumstances I don't need to change
David's reply
Thanks for taking the time to tell us your thoughts. Glad to be able to help. Speak soon DC
First impression from a user who is not yet a client
August, 2023
Overall
Please provide a brief comment about your experience with David
David’s guidance and mentorship has been invaluable to our family - explaining the ins-and-outs of tax and pensions in a way that’s accessible, and helping us to really consider what our financial goals are and how we can achieve them. Thanks to David’s friendly and practical advice, we feel much more knowledgeable about our finances and confident exploring our options, not just to save but to also invest, and the benefits this can bring in the longer-term. I would recommend David and the Navigator team to anyone, at any stage in their career or life, wanting to live the life they want and prepare for what lies ahead.
David's reply
Thank you. Glad we've been able to help this far, and looking forward to engaging and helping as we go forward. All the best DC
Review from verified client
August, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
My husband and I asked for David's advice twenty years ago when we retired and he advised us about investing the lump sum from our employers.
Have you seen the outcome you were hoping for?
Yes! The advice David gave us then has proved to be correct.
How has David Crozier helped you?
David has kept in touch with us down through the years and has acted for us when we .needed to download money from investments.
What could they have done better?
I can't think of anything they could have done better!
David's reply
I really appreciate you taking the time to leave your thoughts, especially with all that's going on in your life. I am glad to be able to help.
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
I wanted good independent advice
Have you seen the outcome you were hoping for?
Yes David has covered a lot
How has David Crozier helped you?
Excellent investment advice and clear communication which has been very reassuring.
What could they have done better?
Nothing at all excellent service
David's reply
Hi Ron Many thanks for taking the time to comment on our service. Although we are at the beginning of our journey together, I am confident that we will be able to continue to add value to you and your family. I look forward to working with you in the years to come. Kind regards DC
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Wanted a full service rather than just Pension
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
100%
What could they have done better?
Very little
David's reply
Good evening Nigel I have to say, I am really enjoying working with Lucinda & yourself, and I'm glad to see that the feeling is mutual. I hope we are able to continue looking after you & your family well into the future. Thank very much for taking the time to leave a review - I really appreciate it. Kind regards DC
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Future financial safeguarding and investments
Have you seen the outcome you were hoping for?
Currently ongoing
How has David Crozier helped you?
Expert advice
What could they have done better?
Nothing that I am aware of
David's reply
Dear Aidan Thanks for taking the time to leave a review. Your feedback is very valuable as we go continually try to improve our service, to you as well as to all our clients. I am looking forward to continuing to work with you as we set you and your family on the right track towards the things that are most important to you. All the best DC
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
A bereavement of a parent.
Have you seen the outcome you were hoping for?
Yes.
How has David Crozier helped you?
He has shown empathy and sound financial guidance during a very difficult time.
What could they have done better?
Nothing.
David's reply
Hello Paula What a lovely review - thanks for taking the time. It's been a joy to be able to support you & your family through a very trying time for you. I'm glad we were able to help and look forward to continuing to do so. Speak soon DC
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
General investment advice/options required
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
David Crozier has given me advice/options on means of investment that I would not have known they existed or were available/ appropriate to me. He also keeps me informed of government financial rule/regulation changes to ensure my portfolio is invested appropriately.
David's reply
Morning Derek I really appreciate you taking the time to leave a review, and also for the positive comments. It's been a privilege to work with you & your family - a relationship that's now well into a third decade - and I hope we can continue to support you for many years to come. Kind regards DC
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
I wanted to ensure that I had a comfortable retirement
Have you seen the outcome you were hoping for?
Yes. I was able to retire when I wanted to and have the funds to enjoy it
How has David Crozier helped you?
Listened, understood my financial and life goals, practical advice, timely advice, good explanations for a non-financial person, delighted with the results
What could they have done better?
Not one thing. I trust David, he knows his stuff and has made a real difference to my life
David's reply
Maeve The team & I really appreciate you taking the time to respond, and I am very glad that you feel we give you the support you need. I look forward to working with you and your family for many years to come! Speak soon DC
First impression from a user who is not yet a client
June, 2023
Overall
Please provide a brief comment about your experience with David
Informative
David's reply
Bernard Thanks for your comments, and for for taking the time to respond. I look forward to working with you. Best DC
First impression from a user who is not yet a client
June, 2023
Overall
Please provide a brief comment about your experience with David
Informative.
Review from verified client
June, 2023
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
Planning for retirement and dissatisfaction with workplace pension schemes.
Have you seen the outcome you were hoping for?
Yes
How has David Crozier helped you?
He has been honest and realistic and enabled us to plan and make the right decisions.
What could they have done better?
All good
David's reply
Hi Ciaran Thanks very much for taking the time to comment, and for doing so so fulsomely. I have to say, I do very much enjoy working with the two of you and hope we continue to do so for many years to come. Speak soon DC
First impression from a user who is not yet a client
May, 2023
Overall
Please provide a brief comment about your experience with David
Experienced and professional adviser who is easy to talk to and has a thorough knowledge of his subject matter.
David's reply
Dear Ron & Pauline Thanks for taking the time to leave a review, and I'm delighted that you feel so positive about working with us. From my part, I am very much looking forward to getting stuck in and helping you achieve the things that are important to you. Kind regards DC
First impression from a user who is not yet a client
April, 2023
Overall
Please provide a brief comment about your experience with David
David was able to offer valuable advice on my situation which involves assets spread across three countries.
David's reply
Thanks for you feedback Sean. It was lovely to meet you, and I do hope we will be able to help. Best regards DC
Repeat review from verified client
May, 2022
Overall
Advice
Service
Value
Based in Bristol
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
I haven’t requested help!
David's reply
Many thanks for taking the time to leave a review Moore. Your support is greatly appreciated, as always. I trust you are both well. Kind regards DC
Repeat review from verified client
March, 2022
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
As above.
Repeat review from verified client
March, 2022
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
David's advice and guidance is personal to us and current with regard to the the financial world and our needs. He can explain complex concepts in plain English in a way that works for us and helps us make decisions.
David's reply
Many thanks Ciaran - it's always good to work with the two of you Speak soon DC
Repeat review from verified client
March, 2022
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
David has continued to achieve excellent retuns on our investments on our behalf. My husband and I are delighted to know that he is looking after our savings.
David's reply
Thanks for taking the time to leave a review Delphine. We very much look forward to continuing to work with you. Speak soon DC
Repeat review from verified client
February, 2022
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
Help to fulfill our financial plans and plan towards retirement.
David's reply
Thanks very much for your continued business, Jack. It's a pleasure to work with you, and a joy to see you working towards achieving the things that are most important to you. Kind regards DC
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
We received a settlement as part of a legal case
How has David Crozier helped you?
He set up a personal injury Trust. He gave us financial advice and set up long-term investments.
Have you seen the outcome you were hoping for?
Yes we are very pleased with the service provided
What could they have done better?
Nothing
David's reply
Hi Paula Anne Thanks for your kind words, and for taking the time to leave a review. I look forward to continuing to work with you. Best regards DC
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Imminent retirement and financial proofing for the future
How has David Crozier helped you?
He investigated my pension options as part of our long term financial strategy
Have you seen the outcome you were hoping for?
Yes
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Leicestershire
What were the circumstances that caused you to initially look for an adviser?
An awareness that you need to plan carefully throughout your career to ensure that long term financial aims are met.
How has David Crozier helped you?
We have received excellent service from David and have seen our investments grow at a most acceptable rate. David has supported us throughout most of our working life with advice on Income Protection, Critical illness Protection, Life Assurance and Pension Planning and has ensured that we are on plan to achieve our retirement objectives.
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
The service has been excellent, David always responds to queries very promptly.
David's reply
Thanks for your kind words Helen, and for taking the time to leave your thoughts. It's much appreciated. Speak soon DC
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Death of my husband by a 3rd party.
How has David Crozier helped you?
Having received a financial settled from court I wanted long term financial advice to protect me and my daughters.
Have you seen the outcome you were hoping for?
Yes. My level of risk was ascertained via a questionnaire and I have been able to invest my money in low risk funds.
What could they have done better?
Nothing. I’m delighted to have financial planning advice from David. He explains everything thoroughly and can be contacted between progress meetings via email when required. He responds quickly and gives advice when required.
David's reply
Nicola That's a lovely review - thanks very much. I appreciate you taking the time. Speak soon DC
Review from verified client
October, 2021
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Seeking an adviser whom could look not only at pension and savings but plan for our future plus map for inheritance planning
How has David Crozier helped you?
Full review and audit of our needs and aspirations. Moving us to an agreed and suitable plan for our forthcoming retirement with specific steps on inheritance planning
Have you seen the outcome you were hoping for?
Yes we have benefited from knowing our adviser is looking at the whole picture for us and all the steps we are taking are joined up and in our best interests long term
What could they have done better?
Very little!
David's reply
Thanks Nigel - that is good to hear, and very much appreciate you taking the time Speak soon DC
Review from verified client
June, 2021
Overall
Advice
Service
Value
Based in Cambridgeshire
What were the circumstances that caused you to initially look for an adviser?
My financial adviser retired and I needed to get a new one
How has David Crozier helped you?
David took on the situation and explained with clarity the current situation with advice on what I should be doing, he is contactable and willing to discuss and advise on any issues
Have you seen the outcome you were hoping for?
Yes
What could they have done better?
Not sure anything could have been done better
Review from verified client
May, 2021
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
I had a pension lump sum to invest.
How has David Crozier helped you?
He highlighted the way forward (no pressure) and assisted in implementing it. He has been a great support.
Have you seen the outcome you were hoping for?
The outcome is, at this time, better than I could have hoped for,
What could they have done better?
Nothing
David's reply
Thanks for your kind words, and for your continued support
Review from verified client
May, 2021
Overall
Advice
Service
Value
Based in Armagh
What were the circumstances that caused you to initially look for an adviser?
My previous work allocated a personal advisor as part of my work pension plan.
How has David Crozier helped you?
David provided clear advice on different risk levels and options on how to invest.
Have you seen the outcome you were hoping for?
I have seen my investments increase over the years, which is what I was looking for.
What could they have done better?
Nothing that I can think of.
David's reply
Thanks for your support, Louise, which is much appreciated. I look forward to working with you for years to come. PS Your shout on the doughnuts last time!
Repeat review from verified client
March, 2021
Overall
Advice
Service
Value
Based in Down
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
David knows our aspirations and always gives us bespoke advice to this end. We always know we are getting individualised support that takes us closer to our goals.
David's reply
Many thanks Ciaran. Your feedback, and your ongoing custom, are very much appreciated
Review from verified client
March, 2021
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
This was our Annual Review!
How has David Crozier helped you?
After reviewing the past year's performance re investments, etc, David's advice was clear and concise and much appreciated.
Have you seen the outcome you were hoping for?
Yes!
David's reply
Dear David & Hilary Many thanks for taking the time, and for your kind remarks Much appreciated DC
Repeat review from verified client
March, 2021
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
David continues to help us with his expertise, my husband and I remain very happy with David's services which continue to produce excellent returns on our investments.
David's reply
Hi Delphine That's a lovely review - thanks very much, and yes, it will be great to catch up over a cup of coffee. Or maybe we'll all need something stronger by then! Best regards to you both DC
Repeat review from verified client
February, 2021
Overall
Advice
Service
Value
Based in Antrim
This review is a follow-up review from a client who left a review previously.
How has David Crozier helped you since your last review?
David and company continue to provide valuable financial advice on investment. They have provide advice on inheritance tax issue over the last 18 months.
David's reply
Thanks Jack - I really enjoy working with you & your family
Review from verified client
February, 2021
Overall
Advice
Service
Value
Based in Wiltshire
What were the circumstances that caused you to initially look for an adviser?
My original IFA had retired. I spent two years trying to find another UK but did not get the feeling that they would be a credible replacement. I asked for some names and Navigator FP was recommended.
How has David Crozier helped you?
I needed someone to look at my entire portfolio which include some investments in another country. He has worked really well with my accountants and has scheduled regular review meetings which have helped me keep track of my finances.
Have you seen the outcome you were hoping for?
Yes I have. We have looked at aspects of my portfolio in a systematic manner and over a couple of years it is now well positioned for the future.
What could they have done better?
Nothing that I can think of.
David's reply
Thanks Lydia - much appreciated. I have to say at a personal level that I really enjoy working with someone who shares my personal values and faith. Kind regards DC
First impression from a user who is not yet a client
February, 2021
Overall
Please provide a brief comment about your experience with David
I told him that although I live in the UK, I worked in the Irish Republic so my retirement packages etc were sorted and all I needed was advice on one thing- saving inheritance tax. He offered me advice at a cost of £2,500 per hour. I politely declined.
David's reply
Navigator Financial Planning provides a full financial planning service. We do not provide Inheritance Tax advice in isolation. My profile makes clear that our minimum investment amount is £250,000; Ms Carr did not want any investment advice. Our minimum fee is £2,500 (not £2,500 per hour) for a full financial plan, which might entail Estate Planning & IHT mitigation. I am sorry that we were not able to help Ms Carr, but she was looking for a service which we do not offer.
First impression from a user who is not yet a client
April, 2018
Overall
Please provide a brief comment about your experience with David
Very thorough initial conversation. David obviously sees that people and their personal goals, likes, dislikes, and passions are what must be established before a financial plan can be embarked upon. Thanks David
Review from verified client
August, 2016
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
Wenatchee to do with my pension lump sum.
How has David Crozier helped you?
He helped review my lifetime requirements, my appetite for risk and the best investment strategy for me.
Have you seen the outcome you were hoping for?
Yes.
Review from verified client
July, 2016
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
We were looking for a financial advisor in Northern Ireland that would be able to help us achieve our financial goals,.
How has David Crozier helped you?
He took the time to listen to our needs and our expectation and drew a plan to help us achieve our goals.
Have you seen the outcome you were hoping for?
Yes, we are happy with the recommendations and the documents that David has provided us. His approach is will suited for our needs and so far we have seen very good returns on our investments.
David's reply
Hi Delphine Thanks very much for taking the time to leave a review. We never take our clients for granted and I'm delighted to hear that you are happy with the service you have received. Long may it continue! Long may it continue! Safe travelling - enjoy Guatemala. Kind regards dc
Review from verified client
July, 2016
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
Due to my current age I was made aware that I had a pension fund from working in the UK and that I would have access to a certain amount of the pension scheme.
How has David Crozier helped you?
David and his team have been the utmost professional financial adviser anyone could wish for, attention to detail, professional, respectful and above all, Navigator fp services have you, the customers needs at the forefront of procedings, your interests as a customer are respected and acted upon. Financial advice is of the highest calibre, investment advice is highly professional and sound, you can be guaranteed to be very well advised as to the ups and downs of various investment portfolio's available, you are in exceptionally very safe hands.
Have you seen the outcome you were hoping for?
The outcome was most certainly achieved and more.
What could they have done better?
Nothing. The service I received was of the highest standard , the outcome was achieved.
David's reply
Hi Jim Thanks very much for taking the time to leave a review. We never take our clients for granted and I'm delighted to hear that you are happy with the service you have received. Long may it continue! Long may it continue! Kind regards dc
Review from verified client
June, 2016
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
I received money in a divorce settlement and needed advice on how best to secure my future financially.
How has David Crozier helped you?
David helped me to clarify my financial objectives and suggested ways in which these may be achieved with my resources.
Have you seen the outcome you were hoping for?
It is early days but the plans he has implemented are convincing.
What could they have done better?
So far, I can't think of any way in which the service could be improved.
Review from verified client
May, 2016
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
We had money we wanted to invest sensibly, plan for our future, and knew nothing about the approaches we could take.
How has David Crozier helped you?
David worked with us, (continues to work with us - it's ongoing), helped specify our objectives and needs, taking into account our views on risk and how accessible we wanted some funds to be. He does understand our goals, at all times. He always explains everything in an easy to understand manner. He manages our money, and advises on the best course of action. David provides an endless supply of advice, help, guidance, giving generously of his time, in a very friendly setting. We relax as soon as we arrive and don't want to leave..... Lovely office with a fab view!.
Have you seen the outcome you were hoping for?
We are always clear and happy with the recommendations we've received from David. As a result of his planning, my partner and I will be able to take early retirement reasonably comfortably. Certainly, left to our own devices we would not be in this position.
David's reply
Madonna Again, thanks very much for your kind words. Always happy to help and I appreciate being appreciated! Kind regards dc
Review from verified client
May, 2016
Overall
Advice
Service
Value
Based in Down
What were the circumstances that caused you to initially look for an adviser?
I was diagnosed with a terminal illness and wanted security for both my wife and myself, especially my wife should anything happen to me.
How has David Crozier helped you?
David helped us sort out our finances which has put us in a better position for our latter years.
Have you seen the outcome you were hoping for?
So far yes.
What could they have done better?
At the present time nothing.
David's reply
Hi David, thanks for your remarks - it's much appreciated. Speaks on DC
First impression from a user who is not yet a client
March, 2016
Overall
Please provide a brief comment about your experience with David
He was very helpful.
First impression from a user who is not yet a client
February, 2016
Overall
Please provide a brief comment about your experience with David
David gave me informed information that i hope we can move on a later date
Review from verified client
September, 2015
Overall
Advice
Service
Value
Based in Antrim
What were the circumstances that caused you to initially look for an adviser?
Planning for the future.
How has David Crozier helped you?
David is honest and completely focused on our requirements now and for the future. He has advised and assisted us to develop a bespoke plan to help us achieve our aspirations. He does not confuse us with jargon, rather he goes the extra mile to make complex information understandable. What has particularly impressed us is how knowledgeable he is and how he uses current knowledge to make sure our plans are dynamic and respond to changes in the investment world and changes in our lives.
Have you seen the outcome you were hoping for?
Everything is going according to plan.
What could they have done better?
Nothing. David has consistently taken on board feedback and ideas from us.
David's reply
Thanks Ciaran Much appreciated - we do try! Speak soon DC
Review from verified client
March, 2015
Overall
Advice
Service
Value
Based in Down
How has David Crozier helped you?
We've used David and Navigator to help us with what is traditionally a very complicated area of financial and corporate planning. David helped us set up a Self-Invested Personal Pension through which we have bought our own corporate premises. To further complicate matters this also required a transfer of the pension fund from a final salary pension scheme. David made this process very smooth indeed and took on the complicated and complex tasks. At all times the risks were explained and balanced against the potential benefits. We felt confident throughout that we were in the hands of an expert and as it turns out, we were.
What could they have done better?
Short of being a property surveyor too I'm not sure there's anything additional that David could have done.
Review from verified client
December, 2014
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
David assesses my personal circumstances and advises on strategies to best meet my requirements.
First impression from a user who is not yet a client
November, 2014
Overall
Please provide a brief comment about your experience with David
Response to initial contact prompt and courteous. No business done as yet. Hope to have further discussions in the near future.
Review from verified client
September, 2013
Overall
Advice
Service
Value
Based in Down
How has David Crozier helped you?
Goes into the detail of your present financial position and sets out proposals to make best use of available funds. Seems to keep on top of constantly changing global financial position and advises against panic decisions.
What could they have done better?
Not sure I can make any comment in this box, I have complete confidence in every aspect of his dealing with our business.
Review from verified client
September, 2013
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
David and colleagues are reliable and provide good sound financial advice for the last 9 years. He has a good understanding of micro- and macro-economic and has a pragmatic approach towards diversifying risk and investment portfolio. I would highly recommend David to look after your financial matters.
Review from verified client
September, 2013
Overall
Advice
Service
Value
Based in Down
How has David Crozier helped you?
David fully understands our financial situation and our objectives. His advice has been consistently excellent and this has resulted in financial outcomes beyond our expectations. He always goes the extra mile, and can explain complex transactions in plain language. We have recommended him with confidence and will continue to do so.
Review from verified client
September, 2013
Overall
Advice
Service
Value
Based in Down
How has David Crozier helped you?
As I have an acquired brain injury he takes time to explain processes and the reason behind any changes or decisions he has made.
What could they have done better?
Cannot think of anything at this present stage.
Review from verified client
September, 2013
Overall
Advice
Service
Value
Based in Armagh
How has David Crozier helped you?
David has been looking after our personal financial affairs for over 10 years. He is very knowledgeable, offers honest advice and is completely trustworthy. For us, he has removed the burden of looking after our own financial matters, and is always on hand with prompt advice and professional guidance when required. He takes time to learn our investment objectives and adapts our portfolio accordingly. His colleagues in Navigator Financial Planning offer great support, and are always willing to help. Many thanks to all!
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Outside UK
How has David Crozier helped you?
Very thoughtful and individual service. David understands what is important to us and tailors his advice to help us meet our goals. Has given us confidence that our money is working for us.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Armagh
How has David Crozier helped you?
Communication, never a problem to get to speak to someone and were applicable follow up is quick and efficient. Portfolios are clearly presented and explained. My needs, interests and concerns are the focus. David is easy to talk to and not afraid to give advice and point me in the right direction.
What could they have done better?
Occasionally the amount of paperwork and detail is a bit overwhelming for me.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Down
How has David Crozier helped you?
I have been with Navigator Financial Planning for 8 years and have been very pleased with the service they provide. I have always been offered good investment advice and their Their Shipping Forecast emails are a great source of information and views. I have found the employees I have had dealings with over time to be courteous, helpful and informative. I would thoroughly this Firm.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
This adviser is prepared to get involved in the nitty gritty of the financial issues that preoccupy us as his clients. He emphasises the importance of prudent money management generally of which his services are one part. He takes a long term methodical approach to investment, stressing that there is no magic wand but that patience and consistency will bring the best returns. He is responsive to questions and provides helpful explanatory illustrations. He also sends informative emails to all his clients in which he discusses issues that crop up in the financial press. While he is based some distance away from us we would not think of changing adviser.
What could they have done better?
My wife and I are quite satisfied. Mr. Crozier has explained the charges to us, which seem to be reasonable. We have not checked those charges against other advisers as we have not the time to do so or the interest in doing so. We are happy that we are getting a good deal.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Armagh
How has David Crozier helped you?
excellent in all the fields of financial planning that are ticked above
What could they have done better?
not a lot as he is very thorough in what he acheives
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
i have little knowledge of investments and planning but david takes the time to break things down and explain everything!! he also provides documents, drawings and graphs to help show the workings!!
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Stirlingshire
How has David Crozier helped you?
David has always conducted my business with my best interests at heart and dosn't make rash promises as to the future he will always tell you what he thinks is best for you and not just what you want to hear. If you have any problems he will deal with them promptly.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Armagh
How has David Crozier helped you?
David provides a professional service which is not limited to the services he offers. He has advised/ helped me on business matters in my company. We meet formally twice a year but have more regular telephone contact. We adjust the investments to reflect my attitude to risk where necessary. He doesn't profess to be an expert on everything but has reliable contacts which I have access to. David is not the cheapest but I consider his fees very good value for money. Both my sons have become clients of David during the past year.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Tyrone
How has David Crozier helped you?
Communicates well. Advises and delivers beyond expectations.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
David is honest and completely focused on our requirements now and for the future. He has advised and assisted us to develop a bespoke plan to help us achieve our aspirations. He does not confuse us with jargon, rather he goes the extra mile to make complex information understandable. What has particularly impressed us is how knowledgeable he is and how he uses current knowledge to make sure our plans are dynamic and respond to changes in the investment world and changes in our lives.
What could they have done better?
Nothing. David has consistently taken on board feedback and ideas from us.
Review from verified client
August, 2013
Overall
Advice
Service
Value
Based in Antrim
How has David Crozier helped you?
David acts with openness, honesty and integrity at every turn. Very relaxed and open manner and attitude bit is still not afraid to tell it how it is. I very much appreciate David's personal touch in all my dealings with him to date. All in all, could not recommend David highly enough, David Crozier ? Job done !
Review from verified client
May, 2012
Overall
Advice
Service
Value
Based in Surrey
How has David Crozier helped you?
One of the main reasons I would voucher for David is because he has given me sound advice over the past few years. On occasions he has gone over and above what was required of him getting me information from other parties. All predictions and recommendations have been successful. Without the level of advice and expertise I feel this may not have been possible, therefore justifying David's charges.
Review from verified client
May, 2012
Overall
Advice
Service
Value
Based in Surrey
How has David Crozier helped you?
David has provided expert advice on investments over a number of years. We meet every 6 months to assess the performance of the investment, review risks and make adjustments where necessary. David is very supportive especially when the markets are in free fall and really helps to 'steady the nerves'. Without his encouragement and assistance I would not have been able to effect the purchase of the company I had been managing for 20 years. He also sourced specialist tax advice to make the transaction as painless and seamless as possible. Both my sons who are in the business have recently become clients of David. I have now built a substantial retirement fund which more than justifies the cost.