Why Navigator exists
Large companies have cash control, FP&A, and commercial finance teams. Most owner-operated businesses have a bookkeeper, an accountant, and software — then make the hard calls alone.
I started Navigator Financial to close that gap. Not as another outsourced CFO title, and not as a replacement for the people who already keep your books. As a finance business partner: someone who turns the numbers into a clear commercial story each month, flags what matters, and helps you decide.
Who I am
I am a Chartered Accountant and senior financial analyst. My work has always been the same job in different rooms: take complex financials, find the story, and help leaders act.
In larger organisations, that has meant board reporting, FP&A leadership, scenario modelling for the CEO, and investment analysis — the planning and commercial lens behind major decisions.
In operating businesses, it has meant sitting with general managers on the monthly cycle: variance, KPIs, labour efficiency, and unit economics — so the people running the business could move with clearer numbers, not gut feel alone.
Earlier in my career I worked on the compliance side of the profession — tax, reporting, and cloud accounting. That is why Navigator is built to partner with your bookkeeper and accountant. I know what they do well. I do not try to replace it.
How I work with you
- Advisor, not agent — I interpret and recommend. I do not chase debtors or speak to your bank on your behalf.
- On top of your stack — read-only access to the cloud system you already use.
- Monthly rhythm — a clear pack, a review call, and a handful of actions that matter.
- Three layers when you need them — cash and health, planning (FP&A), and commercial insight on unit economics.
If you already have clean books and still feel the finance stress between tax time and day-to-day operations, that is the conversation Navigator is built for.