Meet Dan and Nic
We’re Dan and Nic, co-founders of Talk Financial. Together, we bring over three decades of experience in financial planning to the people of St Albans and beyond.
Our approach is simple: you talk, we listen. We explain things clearly and build financial strategies that fit your goals, not the other way around.
As a fully independent, FCA-regulated firm, we offer impartial, trusted advice with your best interests at heart. And because we grow through referrals, you can be sure we put our clients at the centre of everything we do.
We’re based in the heart of St Albans, but our reach is nationwide. Whether you prefer in-person meetings in our office, home visits or virtual catch-ups, we’re here at your pace, on your terms.
Our clients tell us they appreciate how approachable we are. Whether it’s via text, WhatsApp, phone or email, we’re always just a thumb tap away.
Hi, I’m Nic, co-founder of Talk Financial and a financial planner with over 20 years of experience helping people make sense of their money and plan for the future with confidence.
Before launching Talk Financial, I spent over a decade at KDW as an Independent Financial Adviser, working with a wide range of clients on everything from pensions and investments to tax planning and protecting what matters most. Before that, I began my career at Santander, where I gained hands-on experience in banking, financial advice, and supporting other advisers to grow and succeed.
Outside of the office, I’ve been told I’m old before my time; a keen golfer, part-time gardener, DIYer, and amateur chef, as the name suggests, I’ve got a love for BBQs (must be coal!).
What keeps me young-ish? Worrying about my daughter growing up, her angelic face hides her strong will and wild side, and she definitely gets it from her amazing mother. My son is less so, which is probably why he supports Arsenal.
Hi, I’m Dan, co-founder of Talk Financial and a financial planner helping people with all things money since 2010.
My journey into finance began during my teenage years in St Albans, and took shape at the Financial Ombudsman Service, where I resolved disputes between banks and their customers. That experience grounded me in the importance of clarity, fairness, and communication - values that continue to underpin everything I do today.
I started my financial planning career in 2010, quickly progressing to become a fully qualified Financial Planner. For over a decade, I’ve worked closely with hundreds of businesses, individuals, and families, offering holistic and personal planning advice. Much of my work has come through recommendations, something I take great pride in, as it means I’ve made a lasting impact on the people I’ve helped. I genuinely love what I do; I never get the Monday blues and relish the variety and challenges each day brings.
Outside of work, I’m a big sports fan, both watching and participating, wherever my worn-out thirty-something body allows! I also enjoy discovering new whiskies and trying new restaurants, but nothing beats being tackled at home by my two fast-growing kids and spending time with my wonderful wife, Jess.
Together
Over the years, we saw how financial planning could be more personal, more forward-thinking, and ultimately, more impactful. That’s why together we decided to start with a blank sheet of paper and build something new, a modern, independent financial planning firm designed for today. One that embraces the best technology and tools to make advice clearer, more accessible, and more effective, while still putting trusted relationships at the heart of everything we do.
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Talk Financial is the trading name of Talk Financial Group Ltd
Talk Financial Group Ltd is due to be directly authorised and regulated by the Financial Conduct Authority (FCA). You can find us on the FCA register here by searching with our FRN 1028472 - Talk Financial Group Ltd will be visible on the FCA register from 1st July 2025 once we have been fully authorised..
Registered in England & Wales. Company Number: 16108769
Registered office
2 Adelaide Street, St. Albans, England, AL3 5BH
Trading Office
Talk Financial, 2 College Yard, Lower Dagnall Street, St Albans, AL3 4PA
The Financial Ombudsman Service is available to resolve individual complaints that clients and financial services providers aren’t able to resolve themselves.
To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk
Investments carry various risks. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.
Levels of taxation will depend on the individual circumstances of the investor and are subject to change.
The Financial Conduct Authority does not regulate Tax and Estate Planning.
A pension is a long-term investment not normally accessible until 55, rising to 57 on the 6th April 2028.
© 2025 Talk Financial
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