“If your worth is measured by the market, you’ve already sold your soul to it.” Across the financial advice industry, one number continues to dominate — 1%.Whether your wealth grows or falls, the adviser’s fee remains tethered to it. The Citywire Top 100 Firms 2025 and FCA data show the same pattern: ongoing charges clustered … Continue reading The Real Value of Advice: Why We Don’t Charge by the Pound of Assets Under Management
Month: November 2025
Human Capital Is the Hidden Engine of Holistic Wealth
Lessons for Holistic Wealth Planners from the Human Capital–Gallup Correlation MapBy Steve Conley | Academy of Life Planning Holistic Wealth Planners already know that numbers alone don’t create wealth — people do. Johan’s insightful mapping between Dr Mahesh Daru’s Human Capital Framework and Gallup’s Microeconomic Pathway makes this truth undeniable. It shows, with data and … Continue reading Human Capital Is the Hidden Engine of Holistic Wealth
Key lessons for Holistic Wealth Planners
Here are the key lessons Holistic Wealth Planners can draw from Education, Growth and Income Inequality by Coen Teulings and Thijs van Rens: 1. Human Capital Drives Growth—But With Diminishing Returns The study confirms that education (a proxy for human capital) boosts GDP, but each additional year of education contributes less than the last. In … Continue reading Key lessons for Holistic Wealth Planners
Key lessons for a Holistic Wealth Planner
Here are the key lessons for a Holistic Wealth Planner from “Human Capital, Poverty, and Income Distribution in Developing Countries” by Minh Quang Dao (Journal of Economic Studies, 2008). 🌱 1. Human Capital is the True Engine of Wealth The study confirms that improvements in education, health, and nutrition directly reduce poverty and inequality. For … Continue reading Key lessons for a Holistic Wealth Planner
AoLP Blog: “Let’s Get the Debate Over With”: You’re all doing financial planning wrong.
You’re all doing financial planning wrong.When one person stands against the crowd, it’s easy to dismiss them as difficult, disruptive, or wrong. But what if that one person simply sees the truth differently? For years, I’ve been that “annoying guy” in your feed saying the financial planning industry has lost its way. It’s not about … Continue reading AoLP Blog: “Let’s Get the Debate Over With”: You’re all doing financial planning wrong.
Lessons for the Chancellor #5: Human Capital — Britain’s Hidden Engine for Growth
(Insights from Dr. Mahesh U. Daru, “Human Capital: The Tool for Economic Growth and Development,” International Journal in Commerce, IT & Social Sciences, 2015)* As Chancellor Rachel Reeves prepares her second Budget, she faces the same constraint haunting every modern economy — how to fund growth when debt is high and productivity is low. Yet … Continue reading Lessons for the Chancellor #5: Human Capital — Britain’s Hidden Engine for Growth
Lessons for the Chancellor #4: When Education Fuels Inequality
(Insights from Onur Özdemir, “Distributional Effects of Human Capital in Advanced Economies: Dynamics of Economic Globalization,” Business and Economics Research Journal, 2020) As Chancellor Rachel Reeves prepares to deliver her second Budget, the political and fiscal stakes could not be higher. Britain’s economic story mirrors that of other advanced nations: record inequality, wage stagnation, and … Continue reading Lessons for the Chancellor #4: When Education Fuels Inequality
Lessons for the Chancellor #3: Why Equality in Education Is the Key to Growth
(Insights from Amparo Castelló & Rafael Doménech, “Human Capital Inequality and Economic Growth,” The Economic Journal, 2002) As Chancellor Rachel Reeves prepares to deliver her second Budget, she faces the most difficult balancing act of her career: restoring growth while managing an ageing population, a strained welfare system, and persistent inequality.But a landmark study by … Continue reading Lessons for the Chancellor #3: Why Equality in Education Is the Key to Growth
Lessons for the Chancellor #2: Building Britain’s Future on Human Capital, Not Fiscal Firefighting
(Insights from Latif Zeynalli, “The Impact of Stimulating the Development of Human Capital on Economic Development,” European Journal of Social Impact and Circular Economy, 2020) As Chancellor Rachel Reeves prepares to deliver her second Budget next week, she faces the same pressures gripping every advanced economy: slowing growth, ageing populations, ballooning welfare bills, and unsustainable … Continue reading Lessons for the Chancellor #2: Building Britain’s Future on Human Capital, Not Fiscal Firefighting
Lessons for the Chancellor: Human Capital as the Foundation for Sustainable Prosperity
(Drawing on Siriwan Saksiriruthai, “Human Capital as a Determinant of Long-Term Economic Growth,” 2018) 1. Shift the Budget from Consumption to Capability The study demonstrates that countries which sustain long-term growth invest systematically in human capital — not short-term stimulus or consumption. Fiscal strategies centred on transfers and subsidies may relieve pain temporarily but fail … Continue reading Lessons for the Chancellor: Human Capital as the Foundation for Sustainable Prosperity
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