Your Money or Your Life: A System Built to Sell, Not Serve

Why the Regulator’s “Advice Revolution” Is Another Highway Robbery in Disguise

In memory of the countless consumers misled, underserved, and left behind.
For the dreamers who worked hard, saved harder—and still came up short.
You are not the failure. The system is.

The Injustice Unmasked: A System That Ignores Human Capital

They call it a revolution.
We call it another con.

The FCA’s latest push for “targeted support” claims to empower. But make no mistake—this isn’t about advice, education, or holistic planning. This is about preparing the market for another avalanche of product sales. And it’s the underserved—those without advisers, without assets, without options—who will be in the crosshairs.

Why? Because the system, by design, excludes human capital from its framework of financial wellbeing. It sees your value only in what you can buy—not what you can build. It pushes products over people. Sales over strategy. Volatility over vision.

Holistic? Don’t be fooled.
They’re not planning the person.
They’re planning the pension.
The mortgage. The ISA.
Another tick-box, another sale.

True holistic planning means starting with you. Not your money. Not your age. Not your risk profile. But your story. Your skills. Your goals. Your human capital.

And that? That’s nowhere in the regulator’s revolution.

The Risk Lie: A Dysfunctional Relationship Engineered by Design

For decades, UK regulators taught us to obsess over volatility.
As if the real risk in life was your investment wiggling 2% down on a graph.

They ignored the actual dangers:

The risk of shortfall—that you outlive your money.
Inflation risk—that your savings erode in real terms.
Interest rate risk—that borrowing becomes unaffordable.
Default risk—that the institutions holding your money collapse.
Currency risk, concentration risk, geo-political risk—the list goes on.

But these were sidelined in favour of simple charts, pie graphs, and “suitable” products.

Volatility became the scapegoat.
Consumers became the scapegoats.
And the regulators looked away as complexity became a tool for control.

Now, with pensions in crisis and housing out of reach, the chickens have come home to roost. The new solution? Let people dip into pensions to buy homes. A fix? No. It’s a fire-sale of your future for short-term economic optics.

The Mis-Education Machine: Financial Education Without Empowerment

The system has one trick: teach just enough to justify the sale.

It’s no accident that “financial education” rarely includes how to build human capital—how to earn more, pivot careers, generate side income, or start businesses. That would create empowered citizens.

Instead, they teach:

Budgeting apps.
Product comparisons.
Compound interest examples—always with a fund attached.

You’re shown how to consume financial products, not create financial freedom.

This is not education.
It’s indoctrination.
And it’s time we broke the spell.

Reclaiming the Meaning of “Holistic”

Let’s be clear:
Holistic planning isn’t bundling a mortgage, pension, and life insurance into a package deal.

Holistic means:

You plan the life first.
You understand your values, your purpose, your strengths.
Then—and only then—do you design a financial structure that supports you.

That’s what we do at the Academy of Life Planning.
That’s what the GAME Plan is for.

And that’s what no product, no “targeted support,” no Consumer Duty update can ever replicate.

A Call to the Disillusioned

You’ve sensed it for years.
That nagging feeling that the system isn’t built for you—it’s built around you.
To extract. To sell. To profit.

You were never the pawn.
You are the grandmaster.
But only if you step off their board and start playing your own game.

We are building a new path.
A community that plans people before pensions.
That sees your human capital as your greatest wealth.
That helps you design a life worth living—on your terms, not theirs.

So, to the regulators selling transformation:
We see through the rebrand.

And to the readers ready to rebuild:
Now is the time to reclaim your power.

Your money and your life.
No more choosing.
Let’s have both.