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.