Juliet, okay, here's my $0.02, for what it's worth. It's a bit long, so I hope you make it through!
I agree that the nav bar is a bit distracting - I am on a laptop and it just seems to cut through things. It might be better on a larger screen, but I'm not sure. That being said, it could be coming largely from the perspective of the navbar being unique in how it is set up. One thing that *might* work to make it feel a bit less awkward/unusual is to move it to the top of the window. Right now, you have a blue/aqua bar at the top of your page that isn't doing anything. If you could move the nav bar so that it sits at the top of the window, I think visually it wouldn't seem like it's cutting through things. I would also lighten it, as you suggested, even make it that blue color that you already have so that it really feels integrated, and not an afterthought.
I LOVE how the last 6 posts are set up with pictures as the focal point - GREAT idea.
For the Random images at the bottom, can you make them all the same size/shape? It looks a bit unbalanced compared to the left side where the Flickr images are all nice square crops.
I would put a link along your navbar (either the floating one or the one actually on the webpage) that links to the "Client Information" section you have a bit further down the page. You want them to be able to find that information FAST, and with a unique design, you need to put it in their faces, almost.
To the right of the links in the middle section are magnifying glasses with a + sign. The graphic doesn't do anything for me, and I don't think it complements your design. I would ditch it in favor of something else, or altogether.
Investments Page: The first sentence with "Your investment..." seems a bit awkward. I would change it and simply state that wedding packages start at $3,900 and include: *8 hours of wedding day coverage, *Engagement Session, *Your first family heirloom, a Wedding Monograph album, and *other goodies. Identify clearly the things you are including even though you're not being too specific here.
I would also make the next sentence stand out, either by adding some space, color, or otherwise differentiating it. You might change the wording to something like this:
2008 is almost full, and we're already booking for 2009! Contact us today to determine availability and to request a comprehensive information packet. Beyond that, just stay consistent - is it "me" they're contacting, or "us"? (I notice "our" on the contact me page, as well)
Under "Senior Sessions," I would give more information. It seems like the header is there without *any* information.
I think that's all I have for now - sorry it's so long!! Really, overall, I think it looks great, and will certainly be a good way to keep things up to date

[EDIT]
Sorry, a couple more comments - when I go to a post with pictures - any way to go ahead and show at least thumbnails, automatically? Because of the way you have it set up, people will only be loading one post at a time, so I don't think having large images would necessarily be a problem (which you sometimes see on blogs with LOTS and LOTS of images in each post and many posts on the front page). Plus, you have LOTS of great space to show the photos, and then they're so little!