Welcome to Talk Financial
We’re called Talk for a reason, money is often the unspoken language in families; loaded with emotion, avoided at the dinner table, and rarely discussed openly. At Talk Financial, we’re here to change that. We help you have the conversations that matter, with yourself, your partner, your children, your parents.
Because when you talk about money openly, you make better decisions, and those decisions shape everything.
You’ve likely heard about us from someone who’s already had those conversations with us. Most of our clients come to us through personal recommendation; from friends, family members or colleagues who’ve experienced the clarity and calm that come from talking things through with someone they trust.
We listen before we advise, whether you’re building wealth, retiring soon, or thinking about what you’ll leave behind, we take the time to understand what matters to you. No pressure. No hard sell. Just thoughtful guidance that puts your life at the centre, not just your portfolio.
Truly independent. Entirely transparent. We have no ties to providers, platforms or products. Every recommendation is made with one question in mind: What would we do in your shoes?


Our Process
Simple and effective, without fluff and needless complexity.
Financial planning shouldn’t feel overwhelming. At Talk Financial, we’ve refined a clear, supportive process that puts you in control and makes each step feel straightforward.
1. TALK
This is where it begins. A relaxed, no pressure conversation to get to know you, understand what matters most, and see if we are the right fit. No forms, no hard sell, just a proper chat.
2. Understand What You Need
You have a life full of moving parts. We take the time to explore your full financial world. Goals, worries, opportunities. All so we can shape something that is truly built around you.
3. Your Personal Plan
Once we know where you are and where you want to go, we design a strategy that fits. No jargon. No assumptions. No pressure. We explain everything clearly and invite every question, even the ones you think you should already know.
4. Put It Into Action
Only when you are ready, and everything feels right, do we move forward. We take care of the details so you can focus on the big picture.
5. Keep It Working for You
Your life will change, and your plan should keep up. We stay in touch with regular reviews and open conversations, helping you stay on track as your needs evolve.
Get in touch
With Dan 07866 012 115 dan@talkfinancial.co.uk
With Nic 07738 106 411 nic@talkfinancial.co.uk
Or lucky dip 01727 238 300
Talk Financial
2 College Yard
Lower Dagnall Street
St Albans
AL3 4PA