In an era where regulatory pressures and the evolving needs of clients are reshaping the financial advice landscape, there is a profound opportunity for advisers nearing retirement to reconsider their legacy and the sustainability of their practices. The "Retire From Regulation" series of blogs aims to enlighten financial advisers about the merits of transitioning from … Continue reading Retiring from Regulation, Not Retirement Planning: The Case for Subscription Models →

The landscape of the financial services industry in the United Kingdom is at a pivotal point, especially considering its ageing demographic. With the average age of an Independent Financial Adviser (IFA) at 58 and one in five IFAs planning to retire within the next five years, a crucial question emerges: What comes next for these … Continue reading “Retire from Regulated”: A New Horizon for Financial Advisers with the Academy of Life Planning →

The Academy of Life Planning (AoLP) uses a special plan called the GAME Plan to help make financial planning better and more meaningful for everyone. Part of this plan involves something we call the AoLP Logic Model. This model is like a map that shows us how to use our resources wisely to achieve great … Continue reading The AoLP Logic Model: Your Guide to Making a Difference →

In the ever-evolving landscape of financial planning in the UK, a recent study - in Citywire, "Revealed: Just 1.3% of advisers have abandoned percentage fees" - reveals a concerning trend: a staggering 98.7% of FCA-regulated financial advisers operate remuneration models that are dependent on assets under management (AUM). This model, where 77% of fee income … Continue reading The Moral Dilemma in UK Financial Planning: A Call for Transparency and Integrity →

In a revealing study conducted by Pluxee UK, a stark reality has come to light: more than half of UK employees harbour embarrassment over their financial literacy levels. This concern is further compounded by a significant void in financial wellbeing support within the workplace, with 48% of employees feeling left in the dark by their … Continue reading Bridging the Gap in Financial Literacy: A Call to Action for Non-Intermediating Financial Planners →

In an era where financial vigilance is paramount, savers are increasingly finding themselves at a crossroads, navigating the delicate balance between security and growth. Recent analysis highlights a stark reality: loyalty to high street banks could be costing savers dearly, underscoring the critical need for informed decision-making. The "Deposit Sense" report by Financial Life Coach … Continue reading Unlocking Your Savings Potential: The Essential “Deposit Sense” Report →

In the wake of the Financial Conduct Authority's (FCA) ongoing review of firms' advice services, a palpable sense of frustration is emerging among financial advisers. Many feel that the scrutiny and demands exceed the value they are able to charge for their services, leading some to contemplate leaving the profession altogether. This sentiment underscores a … Continue reading Embrace Your Future in Financial Planning with The Academy of Life Planning →

In a recent move that has sent ripples through the financial advice sector, the Financial Conduct Authority (FCA) has proposed changes that could significantly alter the landscape of investment advice in the UK. These reforms, which revolve around the advice-guidance boundary, aim to address the so-called 'advice gap' by allowing firms to sell investments to … Continue reading Navigating the Murky Waters of Financial Advice Reform: A Call for Consumer Champion Voices →

In the wake of rising cases of financial abuse, particularly among older adults, financial planners are uniquely positioned to act as the first line of defence. The Office for National Statistics reported that around 1.5 million older adults in England experienced some form of financial abuse in 2020, highlighting a significant and growing problem. As … Continue reading Addressing Financial Abuse: A Guide for Financial Planners →