The Competitive Edge in Financial Planning

This episode offers a thoughtful, encouraging look into the world of modern financial planning as Tony interviews Nicola Langridge, CFP®, prior to her being named the prestigious Financial Planner of the Year. Nicola’s career did not begin in finance, she grew up in a medical family, studied chiropractic for three years, taught in Asia, and eventually found her calling in financial planning through a mentor who helped her see how her holistic, people-centred nature aligned with the profession.

Nicola reflects on the demanding award process, describing the initial hesitation, the emotional tension of being evaluated, and the rewarding self-discovery that came with each stage. She explains how deeply the competition forces entrants to reflect on their strengths, weaknesses, processes, workflows, and long-term vision. For her, the journey was as valuable as the accolade: “It teaches you about yourself,” she says, and brings clarity on what she wants to give back to the profession.

A major theme in the discussion is education, not only of clients, but of the broader public. Nicola uses storytelling to make complex concepts accessible and believes financial planning should be introduced earlier in life to help people avoid the last-minute restructuring and catch-up strategies she often sees near retirement.

She also highlights the importance of working with specialists, knowing what you don’t know, and aligning purpose with practice. Her “golden why,” inspired by Simon Sinek, is rooted in helping people understand their finances, their risks, and their future.

This episode is a warm, insightful look at passion, purpose, and professionalism in financial planning, and a must-listen for anyone considering the award, the profession, or their own long-term strategy.