Money follows people. The evidence keeps piling up: human capital—skills, health, creativity, values—drives long-run growth far more than physical or natural capital. Studies attribute ~64% of global growth to human capital, and show that in developed economies the return on human-capital investment is roughly 2× other investments. [Ref: The impact of stimulating the development of … Continue reading Human Capital First: How AoLP Turns Talents into Sustainable Livelihoods
Month: September 2025
Human Capital: The Missing Link in the Green Transition
“Wealth is not what you own, but what you grow—within yourself, your community, and your planet.” At the Academy of Life Planning (AoLP), we measure success not by profit alone, but by the quadruple bottom line: Purpose, People, Planet, and Profit. We also weigh SORI (Social Return on Investment) alongside ROI, recognising that real wealth … Continue reading Human Capital: The Missing Link in the Green Transition
When the Enablers Eat Their Own: True Potential vs St James’s Place
The latest story out of the advice industry tells us everything we need to know about how the system really works. It’s not about clients. It’s about the enablers cutting deals among themselves—each side trying to see who can extract the most from the people they claim to serve. Citywire reports that True Potential is … Continue reading When the Enablers Eat Their Own: True Potential vs St James’s Place
🌱 Introducing The Empowerment Cohort: Turning Human Capital into Sovereign Living
At the Academy of Life Planning, we’ve always believed that real wealth is not measured in money alone, but in human capital — our skills, passions, networks, creativity, and purpose. Yet too often, financial systems and even “planning” conversations strip people of agency, leaving them dependent, isolated, or defined by what they lack. It doesn’t … Continue reading 🌱 Introducing The Empowerment Cohort: Turning Human Capital into Sovereign Living
DIY Investors: Stop Listening to Moon Boys
All you DIY investors — it’s time to stop listening to the “moon boys” on TikTok and YouTube promising overnight riches. I might be a so-called TradFi Boomer, but I agree with the FCA on this one: keep it boring. Wealth is not created by gambling on the latest get-rich-quick scheme. Wealth is created, then … Continue reading DIY Investors: Stop Listening to Moon Boys
Why Now? Why It Makes No Sense to Delay Learning New Skills
“The best time to plant a tree was twenty years ago. The second-best time is today.” As life planners, we are in the business of preparing people for the future. But there’s a danger: while we focus on helping our clients prepare, we sometimes forget to apply the same wisdom to ourselves. The study on … Continue reading Why Now? Why It Makes No Sense to Delay Learning New Skills
When Goliathon Meets the System: Can AI Be Trusted in the Fight for Justice?
Every tool humanity has ever invented has been double-edged.The printing press empowered ordinary people to read scripture and radical pamphlets — but it was also used to spread propaganda.The internet gave rise to grassroots organising — but also mass surveillance. And now, in our generation, the tool in question is AI. The Concern: Whose AI … Continue reading When Goliathon Meets the System: Can AI Be Trusted in the Fight for Justice?
A Different Path in Financial Planning: From Selling Products to Empowering People
Imagine you’re standing at a crossroads. One sign points toward the familiar road — a shiny brochure promising a profession, a pathway, a future in financial planning. It looks secure, respected, and even glamorous. But if you listen closely, you’ll hear echoes: stories of clients mis-sold products, of advisers trapped in sales targets, of trust … Continue reading A Different Path in Financial Planning: From Selling Products to Empowering People
The Car Finance Scandal: Kicking the Can, Thinning the Herd
The UK car finance scandal—£18 billion of redress hanging over lenders—has just taken another turn. Consumers hoping for swift justice may have to wait until 2026, as the Financial Conduct Authority (FCA) quietly confirms what many of us already knew: industry obstruction, regulatory compromise, and a system that puts growth above protection. What Nikhil Rathi … Continue reading The Car Finance Scandal: Kicking the Can, Thinning the Herd
Goliathon: The Battle Mech for Justice
Justice is under siege. Ordinary people are outmatched by systems designed to exhaust, confuse, and intimidate. When faced with bureaucracy, corporate power, or financial exploitation, the individual often feels like a lone foot soldier staring up at a towering machine. That’s why we built Goliathon—a battle mech designed for the citizens’ side of the fight. … Continue reading Goliathon: The Battle Mech for Justice
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