A new Landscape Report based on FCA Register data has revealed that 7,860 FCA-registered firms have deauthorised in 2025 alone. That’s almost 3,500 net exits in just eight months. While headlines may focus on the “winners” — St. James’s Place, Quilter, and other large networks expanding adviser headcount — the real story is one of … Continue reading 📉 Consolidation or Collapse? What Deauthorisations Mean for Holistic Wealth Planners →

It’s easy to get dazzled by headlines like: “Digital adviser Aida passes the CII diploma.”An AI, trained by intermediaries, outperforming most human advisers in product-based exams. The industry hails it as progress. But we must stop and ask: progress for whom? The Problem: Exams Built on the Old Paradigm When I sat the CII exams … Continue reading ⚖️ Who Trains the Machines? Preventing the Oligopoly from Owning the Next Generation of Advice →

For too long, financial systems have been built on extraction—where ordinary citizens lose out while institutions and intermediaries take more than their share. At the Academy of Life Planning (AoLP), we believe it’s time for a new story. One that replaces extraction with empowerment. That’s why we created M-POWER, the global movement for financial sovereignty, … Continue reading 🌍 From Exploited to Empowered: The Unified Vision of the Academy of Life Planning →

🧭 Our Pricing Compass At the Academy of Life Planning, pricing is never arbitrary. It follows a relational framework that ensures fairness, transparency, and stewardship: By Means Full Market Rate — when the client has the capacity to pay. Discounted Rate — when means are limited. Pro Bono / Free to Need — when support … Continue reading 🌑 From Shadow to Stewardship: Why Our Pricing Is Changing →

Most people don’t need a financial middleman clipping fees from their hard-earned wealth. What they need are the right tools, the right support, and the confidence to run their own affairs. That’s where M-POWER—the Money Empowerment Movement—steps in. We are holistic wealth planners, and our mission is simple:👉 To help you avoid exploitation,👉 To help … Continue reading 🌀 M-POWER: Replacing Exploitation with Empowerment →

At Get SAFE, we see cases that expose cracks in the financial and legal system so deep they threaten the very foundations of trust.Here’s one such case — anonymised, but real — that shows how ordinary families can lose everything, even when the paperwork doesn’t add up. 🔎 The Story In the late 2000s, a … Continue reading 🏠 The Phantom Mortgage: A Case Study in Systemic Failure →

“When everyone is rushing to the goldfields, beware those selling pickaxes and shovels.” The financial services world is buzzing with talk of DeFi (Decentralised Finance) overtaking TradFi (Traditional Finance). Commentators describe it as a revolution: decentralisation versus centralisation, innovation versus stagnation, freedom versus control. But as with all revolutions, the truth is more complicated. For … Continue reading DeFi vs. TradFi: Hype, Reality, and the Ethical Frontier →