What if the future of financial planning didn’t lie within the rules of a product-based system—but just beyond them?
In our recent Masterclass, The Perimeter Prefect, we explored how planners, coaches, and changemakers are redefining financial support outside the regulatory perimeter—offering clarity, empowerment, and purpose without the burden of unnecessary red tape.
This isn’t about avoiding accountability. It’s about reclaiming the profession from the grip of product distribution—and returning it to the people it was meant to serve.
Redrawing the Line
Most regulated advice concerns specific financial instruments. But planning someone’s life—educating them about options, helping them define what “enough” looks like—isn’t the same as selling a product.
Generic advice is not a regulated activity when it steers clear of specific recommendations. This leaves space for something more honest, more human: a form of planning grounded in values, not vested interests.
Crossing the Perimeter—Consciously
Still, the line between regulated and unregulated work must be respected. Generic advice becomes regulated the moment it’s used as a gateway to a sale. A disclaimer alone won’t protect you if your actions tell another story.
The key is clarity. What service are you offering? What protections apply? Are you influencing or informing?
Walking the Line: Two Hats, One Standard
Many professionals wear two hats—regulated adviser and unregulated coach. It can work—but only with structure. That means:
- Clearly defined roles
- Documented boundaries
- No cross-promotion or blurred messaging
The FCA doesn’t just regulate activities. It scrutinises intentions. Practitioners who manage both sides well do so by creating operational distance—between services, systems, and messaging.
Accountability Without Authorisation
Operating outside the perimeter doesn’t place you beyond scrutiny. It simply shifts the frame.
Your work may still fall under:
- The Advertising Standards Authority (ASA)
- The Competition and Markets Authority (CMA)
- Common law (duty of care, misrepresentation, negligence)
That’s why planners working outside regulation must hold themselves to a higher standard—because the system won’t do it for them.
Beyond Financial Capital
Perhaps the greatest opportunity outside the perimeter is the freedom to focus on what matters most: human capital.
We define total wealth as financial capital plus human capital, less liabilities. But traditional advisers ignore the biggest asset—who the client is becoming.
Planners in our network help clients build their future capacity: their resilience, purpose, and creative potential. It’s planning, not selling. And it’s transformational.
A Different Kind of Profession
This work is not about resisting regulation. It’s about creating a different kind of profession. One that puts people before products. Truth before tactics. And purpose before profit.
You don’t need permission to do what’s right. You need clarity, courage, and community.
Join the Movement
If this speaks to the planner you want to become, we invite you to walk with us.
👉 Subscribe to the Academy for free
👉 Or become a member from just £24/month and access tools, templates, masterclasses, and a global community of purpose-led planners
Explore the Academy of Life Planning
Let’s redefine what financial planning can be.
🚨 FREE CPD MASTERCLASS – LIVE ON ZOOM 🚨
🎓 Season 2, Episode 8
📅 Tuesday 8 July 2025 | 🕓 4:00–6:00 PM (UK time)
💻 Live via Zoom | 🎫 CPD Certificate Included
🔍 The Perimeter Prefect: Redefining Financial Planning Beyond Regulation
Are you feeling boxed in by red tape? Tired of pressure to sell products?
It’s time to explore a better way—one that puts people first. 🌱
In this powerful session, you’ll discover how to:
✅ Deliver education & guidance—without crossing regulatory lines
✅ Avoid conflicts of interest and compliance burnout
✅ Bridge the “consumer sophistication gap” with real empowerment
✅ Build a trusted, values-led practice beyond the FCA perimeter ⚖️
Whether you’re a 💼 planner, 🧠 coach, or 🌍 changemaker—this is your blueprint for freedom, integrity, and impact.
Join the M-Power Movement
Our Strategy:
- Vision, not critique.
- Surgical, not sweeping.
- Stories, not slogans.
- Accountability, not lost.
- Alternatives, not arguments.
What’s in it for you?
- Empowerment: Learn how to manage your money and grow your wealth with confidence.
- Entrepreneurship: Discover tools and support to turn your ideas into thriving businesses.
- Community: Connect with like-minded individuals and organisations dedicated to financial freedom for all.
How to Get Started:
- Join Our Community: Access free resources, workshops, and networking opportunities.
- Book a Call: Speak with an expert to explore how we can support your journey to financial independence.
- Spread the Word: Help us build a global movement by sharing this vision with your network.
Together, we can redefine what financial planning means, transforming it from a service of dependency into a tool of empowerment. The M-Power Movement is not just about creating wealth; it’s about creating a fairer society where everyone has the opportunity to thrive.
Are you ready to take control of your financial future?
Academy of Life Planning 