As headlines question whether St. James’s Place (SJP) is facing a succession crisis, the financial planning profession finds itself at a crossroads. Behind the numbers — the £847 million adviser debt pile, the slowdown in practice sales, and the growing exodus of partners — lies a deeper warning about what happens when a profession loses … Continue reading 💼 Lessons from the SJP Succession Crisis: Why Holistic Wealth Planners Must Build for Legacy, Not Leverage
Month: October 2025
🌍 Human Capital, Poverty, and Income Distribution: Lessons for Holistic Wealth Planners
“The true wealth of a nation lies in the health, education, and moral strength of its people.”— Adapted from Adam Smith When we talk about wealth, we often talk about money. But money is not wealth — it is only the means of exchange for what truly matters: human flourishing.In his empirical study Human Capital, … Continue reading 🌍 Human Capital, Poverty, and Income Distribution: Lessons for Holistic Wealth Planners
🌿 The Sacred Pursuit of Enough: Redefining Money Through Ministry
For centuries, spiritual seekers and professionals alike have wrestled with a painful paradox:Is the pursuit of money wrong? Luke 16:13 reminds us, “No one can serve two masters… You cannot serve both God and money.” Many interpret this as a rejection of wealth itself — a command to forsake material ambition in favour of spiritual … Continue reading 🌿 The Sacred Pursuit of Enough: Redefining Money Through Ministry
2026: The Extinction of Lifetime Cashflow Modeller Businesses
2026 will mark the end of an era for lifetime cashflow modelling software — and possibly for many advisers who depend on it. We’ve seen them all: Voyant, Timeline, Prestwood Truth, CashCalc — once considered cutting-edge tools for financial planning. These systems were designed to help advisers demonstrate value and justify asset-based fees by answering … Continue reading 2026: The Extinction of Lifetime Cashflow Modeller Businesses
🌟 Why You Are Here: Turning Talents into Service through the GAME Plan
“God has given each of you some special abilities; be sure to use them to help each other, passing on to others God’s many kinds of blessings.”— 1 Peter 4:10 (Living Bible) The Calling Within In the Academy of Life Planning, we begin with a simple but profound truth: you were designed on purpose, for … Continue reading 🌟 Why You Are Here: Turning Talents into Service through the GAME Plan
🌍 How England & Folbre’s Four Capabilities Underpin the GAME Plan’s Whole-Person Paradigm
“Wealth is not what we have, but what we can do — and become — together.” For over half a century, economists have treated human capital as an input to productivity — a resource to be measured, managed, and monetised. But a groundbreaking reappraisal by Paula England and Nancy Folbre invites us to see something … Continue reading 🌍 How England & Folbre’s Four Capabilities Underpin the GAME Plan’s Whole-Person Paradigm
🌍 Beyond Human Capital: What Holistic Wealth Planners Can Learn from the Fall of a Dangerous Idea
By Steve Conley | Academy of Life Planning For over half a century, human capital theory has shaped how we understand work, income, and worth. It tells us that people earn what they deserve — that the talented and hardworking rise, and the rest should “upskill” or fall behind. But as economist Blair Fix argues … Continue reading 🌍 Beyond Human Capital: What Holistic Wealth Planners Can Learn from the Fall of a Dangerous Idea
🌍 The Future of Financial Planning: From Isolation to Ecosystem
Top 3 Takeaways from the Academy of Life Planning’s Ask Us Anything (24 October 2025) When the Academy’s Inner Circle gathered last week for our latest Ask Us Anything, one theme rose above all others: “How do we turn values into a viable business model?” What unfolded was a masterclass in collective intelligence — a … Continue reading 🌍 The Future of Financial Planning: From Isolation to Ecosystem
The Gifts That Build the Whole: Why None of Us Is Meant to Do This Alone
“There are different kinds of gifts, but the same Spirit distributes them.” — 1 Corinthians 12:4 At the Academy of Life Planning, we often speak about purpose — that sacred thread running through our lives which, when followed, leads us home to wholeness. Yet purpose is never a solo pursuit. It is revealed in relationship. … Continue reading The Gifts That Build the Whole: Why None of Us Is Meant to Do This Alone
The Junk IRA Problem: How Hidden Systems Drain Your Future — and How Structural Trust Restores It
“They call them Safe Harbor IRAs — but for millions of savers, they are anything but safe.” A new report from PensionBee and the Employee Benefit Research Institute (EBRI) has lifted the lid on a quiet crisis.By 2030, an estimated $43 billion of American retirement savings will sit stranded in “Safe Harbor IRAs” — low-yield, … Continue reading The Junk IRA Problem: How Hidden Systems Drain Your Future — and How Structural Trust Restores It
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