The combination of the willingness to invest and the ability to select securities determines if a person is out of the market, needs a financial advisor, or is a do-it-yourself investor. With Navigating Oz you can: Gain insight on how to overcome factors that impact the willingness to invest. Expand your knowledge about the financial products and vehicles and their role in the financial market. Learn the key questions to ask your financial advisor. Improve your ability to select investments. Manage your investments like the professionals.