35 - Is Your Financial Planner Helping You Make Better Decisions?

Financial planning isn't just about investments, pensions or achieving the highest possible returns.

In this episode, Nick explores why the best financial advice is often about something much deeper: helping people make better decisions.

Drawing on an award-winning approach to retirement planning and a fascinating behavioural science research paper, Nick explains why emotions, habits and psychology play such a significant role in retirement success.

You'll discover:

• Why behaviour often matters more than investment performance
• The COM-B model and how it influences financial decisions
• Why people delay retirement—even when they can afford it
• The importance of trust, coaching and accountability
• Why great financial planners help people optimise decisions, not just portfolios

If you've ever wondered what real value a financial planner should bring, this episode offers a fresh perspective.