Lifestyle financial planning is the approach that transformed Nick Lincoln's career, and in this episode of Talk FS, he explains why it's made his advice business one of the stickiest in the industry.
Nick is an independent financial adviser and founder of Values to Vision Financial Planning, with over 20 years' experience in the industry. He entered financial services almost by accident in 1993 before qualifying as an IFA in 2001. In 2008, a chance seminar introduced him to lifestyle financial planning, and he's used it with every client since, building a business of 85 families with what he describes as a near-zero attrition rate.
In this conversation with host Ryan Venner, Nick discusses:
- How he stumbled into financial services with no long-term plan, and why he never left
- What lifestyle financial planning actually is, and why cash flow modelling changes client conversations
- Giving clients "permission" to spend the money they've spent a lifetime saving
- Why he believes AI will increase, not reduce, the need for human financial advisers
- How to build the judgement and resilience new advisers need to guide clients through market downturns
- Why he thinks the "advice gap" is really a money gap
- The value of consistency, trust and treating every client the same way, regardless of wealth
Whether you're an adviser, a paraplanner, or considering a career in financial services, this episode is a candid, unfiltered look at what it actually takes to build a long-term advice business rooted in trust rather than product-pushing.
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Guest: Nick Lincoln, Values to Vision Financial Planning
Website: https://www.v2vfp.co.uk/