In a world where the financial needs of the general public often go unnoticed, conventional tactics focusing solely on long-term savings fall short of addressing their unique requirements. It is time to expose the truth: the financial industry has been draining the pockets of the masses instead of filling them with abundance. This poor productivity has left countless individuals in dire financial conditions, yearning for a better way.
The public deserves financial plans that transcend the boundaries of traditional thinking. They need guidance that goes beyond mere savings and taps into the art of earning more than they spend, securing their future and protecting their wealth. The control and ownership of assets and data should rest firmly in the hands of individuals, not intermediaries who exploit their vulnerability. The era of targeting the wealthy, healthy, and happy must come to an end. Expert financial planners should redirect their focus towards helping all individuals achieve wealth, health, and happiness.
We have the power to empower the public, igniting their financial prowess and fostering active engagement with their finances. For those who suffer financially, we offer wisdom; for the wise, security; for the secure, freedom; and for the free, a lasting legacy. The client must reclaim their position as the ultimate financial planner, and it is our duty to support them on this transformative journey.
Imagine a financial industry that transcends centralisation, placing control and ownership of data and assets in the hands of end-users. The United Nations has shown us the path through SDG1 – identify productive assets, leverage entrepreneurial opportunities, create sustainable livelihoods, and eradicate poverty in all its forms. This journey is about agency, dignity, and a shared responsibility to activate financial potential through knowledge.
We must forge partnerships with users, guiding them through the levels of financial activation towards complete empowerment. With the right support, 90% of people can take control of their finances 90% of the time. The user tailors their financial plan while the adviser delivers generic financial planning advice to the masses. This transformation is made possible through emerging technologies and one-to-many planning models, revolutionising the industry.
It is time to hand over the steering wheel of finances to the end-users. The commoditised financial services industry needs to be de-intermediated, enabling alternative asset strategies as proposed by the United Nations to build wealth, rather than blindly surrendering assets to an industry that thrives on fees alone.
Envision a world where wealth is distributed equitably, where each individual possesses £50,000. Now, consider the possibilities that emerge when we leverage emerging technologies to amplify this wealth tenfold, all while safeguarding the well-being of our planet. If everyone were to consume at the level of the average Westerner, we would require four planets to sustain such excess. It is time to realign our priorities, embracing the principles of purpose, people, planet, and profit.
Let us rise together and unleash the power of sustainable financial planning for the masses. It is time for a new era, where prosperity is not a privilege for the few, but a birthright for all. Stand with us as we reshape the financial landscape and create a future where every individual can achieve their true potential.
Academy of Life Planning 