After decades in financial planning, I’ve noticed a surprising gap in even the most experienced advisers’ toolkits: human capital strategies.
Many planners I meet still operate under the assumption that financial capital—the money you’ve saved and invested—represents the total picture of wealth. But that couldn’t be further from the truth. Over the course of a lifetime, we typically earn ten times more than we save. This means your earning strategies are potentially ten times more important to a lifetime cashflow forecast than your saving strategies.
Yet, human capital—the skills, relationships, and opportunities that generate those earnings—remains the least understood and most underutilised asset in financial planning.
Why This Matters for the Future of Planning
We’re moving rapidly from the intermediary model of the “Age of Delegation”—where planners controlled scarce information—to an empowering, self-sovereign model, fuelled by AI and technology that levels the playing field for clients and the next generation.
In this new world, holistic wealth planners must go beyond products and portfolios. They need the ability to help clients develop and leverage their human capital—turning talents, networks, and life purpose into tangible financial outcomes. This is not optional. It’s essential for the financial planner of the future.
A Unique Opportunity to Learn What’s Been Missing
To encourage financial planners to explore this unfamiliar yet vital part of the GAME Plan, I’ve created a “try before you buy” deal—a Human Capital Development Taster from the Academy of Life Planning’s training programme.
For just £4.99, you’ll get lifetime access to:
- The full training material package on human capital development skills in an interactive Notion playbook
- A two-hour video of me delivering this session to a group of holistic wealth planners
- Practical exercises to apply what you learn immediately to client scenarios
This is your chance to preview the kind of transformational learning you can expect from the Academy’s full GAME Plan Practitioner Online Training Course—without committing to the full programme upfront.
Why It’s a No-Brainer
Whether you’ve never considered human capital in your forecasts or you’ve dabbled with the concept but never formalised your approach, this training will change the way you see wealth. It’s about equipping yourself with the holistic, future-proof skills that today’s and tomorrow’s clients will value most.
So why not take the leap? At £4.99, there’s nothing to lose—and potentially ten times more to gain.
👉 Get the Human Capital Development Taster Here and start building the skillset every modern financial planner needs.
Further Reading on Human Capital from the Academy of Life Planning
If today’s article sparked your interest, here are more in-depth pieces exploring the power of human capital in financial planning:
- When Will We Wake Up? Human Capital, Not Tax Hikes, Drives Growth
Why economic growth depends on investing in people—not fiscal tricks or tax hikes. - Fractional Working and the GAME Plan: A New Human Capital Strategy for Holistic Wealth
How fractional working is reshaping careers and aligning with values-led planning. - Rethinking Retirement: Why Human Capital Strategies Matter More Than Ever
Why earnings potential matters more than pension size for long-term security. - 100 Human Capital Strategies to Generate Extra Income (No Financial Capital Needed)
Practical, real-world ways to boost your income without touching your savings. - Human Capital: The Catalyst for Economic Renewal — and How the GAME Plan Can Unlock It
How building skills and potential fuels prosperity for individuals and nations. - From Earnings to Impact: Redefining Human Capital through Holistic Wealth Planning
A broader vision for turning your skills and purpose into real-world change. - Ending Poverty Through Empowered Human Capital: The GAME Plan in Action
How developing human capital can help achieve global anti-poverty goals. - Time to Retire the Narrow View: Why Human Capital Theory Must Evolve
Why traditional economic views on human capital need an urgent rethink. - Human Capital: The Missing Piece in Financial Planning
Why financial planning must shift from products to people. - The Role of Human Capital in Redefining Financial Planning
Why your greatest financial asset may not be money—but you.
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