Every time a Budget approaches, the rumour mill goes into overdrive. Talk of wealth taxes, pension rule changes, or new levies fills headlines and social feeds. For many of our clients, these stories don’t just stay in the news—they spark fear. “Will I lose my savings?”“Should I rush into changes before it’s too late?”“What if … Continue reading When Tax Rumours Spark Panic – How a Financial Life Coach Brings Calm
Month: August 2025
🎓 Generation Jobless? Or Generation Genius in Waiting?
We’ve all seen the headlines. 📰 “GENERATION JOBLESS”📉 100,000 young adults aged 16–24 in the UK are not in education, employment or training.🧠 Many cite mental health as a barrier — caught in a cycle of rejection, disillusionment, and self-doubt. Meanwhile, AI takes the jobs they were promised.Retail shrinks.Hospitality automates.And entry-level roles vanish in a … Continue reading 🎓 Generation Jobless? Or Generation Genius in Waiting?
From Car Boots to Capital: A Case Study in Human Capital Development in Financial Planning
“Wealth is not what you own, but what you can create.” Financial planning is often thought of as the management of money already earned. But in reality, the foundation of financial well-being lies in human capital – the knowledge, skills, energy, and networks that allow us to generate new streams of value. Nowhere is this … Continue reading From Car Boots to Capital: A Case Study in Human Capital Development in Financial Planning
Turning Helplessness into Intelligence: Using Cipolla’s Matrix in Life Planning
Carlo M. Cipolla’s classic essay, The Basic Laws of Human Stupidity (1976), remains as provocative as it is insightful. In it, he mapped human behaviour across two axes: Impact on others – whether actions bring benefit or harm. Impact on self – whether actions lead to personal gain or loss. This simple framework creates four … Continue reading Turning Helplessness into Intelligence: Using Cipolla’s Matrix in Life Planning
The Hidden Wealth Within Us: Why Human Capital Holds the Key to Prosperity
When economists value a nation, they often compare its market value (what it’s worth in total) to its book value (the tangible assets you can see and measure). Today, that ratio is about 5:1. In other words, only around 20% of a nation’s wealth is physical—land, buildings, machinery—while the remaining 80% lies in the invisible: … Continue reading The Hidden Wealth Within Us: Why Human Capital Holds the Key to Prosperity
Announcing The Knights of Aquarius: A New Order of Life Planners Who Save Lives
In a world where financial systems exploit and institutions look away, we need more than advisers. We need guardians of truth and dignity. That is why today, I am proud to announce the founding of a new order within the Academy of Life Planning: The Knights of Aquarius. 🌍 Who Are the Knights of Aquarius? … Continue reading Announcing The Knights of Aquarius: A New Order of Life Planners Who Save Lives
When Even Coders Can’t Get Jobs, The Graduate GAME Plan Becomes Essential
By Steve Conley, Founder of the Academy of Life Planning Computer science graduates were supposed to be the safest bet in the 21st-century job market. Coding was “the new literacy.” The narrative was clear: learn to program, and you’ll never be out of work. Yet today, we see talented graduates—like Eddie Hart and Colin from … Continue reading When Even Coders Can’t Get Jobs, The Graduate GAME Plan Becomes Essential
Surprise, Surprise: Pension Companies Want More Assets Under Management!
Here we go again. In its latest report, Saving Retirement: Who Is at Risk and Why?, the Society of Pension Professionals (SPP) calls on the government to extend auto-enrolment to the self-employed—those 4.3 million free spirits who, until now, have largely evaded the asset-hungry machinery of institutional pensions. And why? Because, apparently, they are “disenfranchised.” … Continue reading Surprise, Surprise: Pension Companies Want More Assets Under Management!
Goliathon: Equipping Citizen Investigators to Take on the System
“The system is stacked against victims. Goliathon puts us on a level playing field.” – Robert, Citizen Investigator Why We Created Goliathon Across the UK and beyond, thousands of ordinary people have been devastated by financial exploitation. Victims of fraud, mis-selling, and institutional neglect are too often left to pick up the pieces alone. Many … Continue reading Goliathon: Equipping Citizen Investigators to Take on the System
Options on the Table: How the Chancellor Plans to Plug the £50bn Black Hole
The October Budget is shaping up to be one of the most consequential in recent memory. Chancellor Rachel Reeves faces a fiscal shortfall of up to £50 billion, and with manifesto promises ruling out hikes to income tax, national insurance, or VAT, her gaze has turned to the property market. At the centre of discussion … Continue reading Options on the Table: How the Chancellor Plans to Plug the £50bn Black Hole
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