“The best place to find a helping hand is at the end of your own arm.”
We are standing at the threshold of a new financial era. The Age of Pisces—marked by hierarchy, dependence, and delegation—is giving way to the Age of Aquarius, a time of transparency, empowerment, and self-agency. Nowhere is this shift more profound than in how we manage our money.
Pisces: The Age of the Middleman
In the Age of Pisces, financial planning followed a top-down model. You delegated your financial decisions to a professional—typically a regulated financial adviser—who acted on your behalf. They were licensed by the Financial Conduct Authority (FCA) because they touched your money, meaning they managed, moved, or placed it for you. This authority required them to prove they were fit and proper to be trusted with your wealth.
This model, known as “done-for-you” financial advice, comes at a premium. Advisers charge either an hourly rate—typically around £200 per hour—or, more commonly, a percentage of your assets under management. The average fee is 1% per year, meaning you’d pay £1,000 annually for every £100,000 you invest. That equates to five hours of the adviser’s time.
But here’s the catch: unless you’re already wealthy, you don’t qualify. The advice market excludes 90% of the population—not because they lack intelligence or ambition, but because they lack capital.
This is what’s often referred to as “the advice gap.” And it’s not a glitch. It’s built into the system.
Aquarius: The Age of Empowerment
Enter the Age of Aquarius—a new paradigm rooted not in dependency, but in empowerment. Here, the adviser is no longer the gatekeeper. You are the steward of your own wealth. The adviser no longer manages your money; instead, they manage your understanding. This is not done-for-you, but rather done-with-you or even done-by-you.
Let’s break that down:
Done-with-you: You join a group session with a professional who facilitates understanding. The expert might earn £200/hour—but shared across 10 participants, your fee is just £20.
Done-by-you: You use a guide, written by the same expert, consumed by 100 people. Your cost? £2 for the same quality of insight.
The adviser hasn’t become less competent. But they have become more accessible. They’re no longer selling time—they’re sharing know-how. And because they no longer touch your money, they don’t require an FCA licence. They are still a professional, they just don’t hold a licence to sell. There is blue water between their advice and your product decisions. You control the placement of your money.
This new framework is structurally trustworthy. Instead of needing to trust a third party to act on your behalf, you build financial confidence and competence within yourself. That’s real security.
Why the Advice Gap Disappears in Aquarius
In the Pisces world, the price of access is high and only the affluent can afford the gatekeepers. In Aquarius, knowledge scales. It’s no longer sold one-to-one but one-to-many. The same £200 of insight can empower a room, a course, or a nation. No one is priced out. The gap vanishes.
Where the Pisces adviser asks, “What can I do for you?”, the Aquarian professional replies: “Let me show you how.”
The Financial Future is Yours
In the Aquarian economy, the tools are open-source, the education is decentralised, and integrity is built into the structure—not merely into the individual. It’s not about removing professionals. It’s about changing the way they serve.
The Aquarian adviser isn’t a custodian of your money—they’re a mentor for your mind.
And the next time someone offers to “take care of it for you,” pause. Take a breath. Then ask:
“How do I do this myself?”
That’s not rebellion. That’s evolution.
Further reading:
Be Your Own Financial Adviser by the brilliant Jonquil Lowe
Join the M-POWER Movement: From Piscean Planning to Aquarian Prosperity
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