“Moving from restricted planning to whole-of-wealth planning isn’t a change of tools —it’s a change of allegiance: from products to people.” Steve ConleyAcademy of Life Planning Why 2026 Is the Year the Profession Must Change By Steve Conley | Academy of Life Planning | December 2025 For more than a decade, the Academy of Life … Continue reading Total Wealth Planning™ Is No Longer a Fringe Idea
Month: December 2025
From Personal Significance to Collective Well-being
Why the Future of Prosperity Begins with How We Define a “Life Well Lived” For decades, society has measured success with blunt instruments. GDP.Asset values.Productivity metrics. Yet none of these tell us whether people are well, whether communities are coherent, or whether our systems are helping human potential unfold—or quietly exhausting it. A growing global … Continue reading From Personal Significance to Collective Well-being
When Emails Are Diverted, People Are Disappeared
How administrative silence turns evidence into isolation — and why communication method matters What Really Happens to “Vexatious” Emails — and How Citizen Investigators Can Be Heard By Steve Conley, Founder of the Academy of Life Planning & Get SAFE Many people assume that if they keep emailing a regulator — copying more people, sending … Continue reading When Emails Are Diverted, People Are Disappeared
Litigation Funding, Access to Justice, and the Risk of a False Binary
Why “David vs Goliath” Framing Is Not Enough By Steve ConleyAcademy of Life Planning When governments speak about access to justice, they often reach for a familiar story. David versus Goliath.Ordinary people versus powerful institutions.The little person finally getting their day in court. The government’s decision to reverse the impact of the PACCAR judgment has … Continue reading Litigation Funding, Access to Justice, and the Risk of a False Binary
When Flexibility Becomes Forgetting: Removing Annual Suitability
Why Removing Annual Suitability Risks Burying the UK’s Fee-for-No-Service Reckoning By Steve ConleyAcademy of Life Planning A trustworthy regulator does not erase the audit trail when the bill is about to fall due. A quiet proposal with loud consequences The Financial Conduct Authority is consulting on removing the requirement for annual suitability reviews for advisers, … Continue reading When Flexibility Becomes Forgetting: Removing Annual Suitability
Leaving Eden: Not a Fall, but an Initiation
Why the Birth of Consciousness Was Never a Punishment By Steve Conley | Academy of Life Planning What if one of our most familiar stories has been quietly misunderstood—not out of malice, but out of fear? The story of Eden is often told as a moral failure: disobedience, punishment, exile. Yet across psychology, philosophy, and … Continue reading Leaving Eden: Not a Fall, but an Initiation
💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
Steve ConleyDecember 15, 2025 The Personal Finance Society (PFS) has recently announced that more than 400 people have expressed interest in its new Pathway to the Profession initiative — a £1 million recruitment campaign designed to attract and nurture new entrants into financial planning. On the surface, this is welcome news. A profession that genuinely … Continue reading 💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
Human Capital, Finology, and the Human-to-Human Economy
Extending the Vision of Financial Planning 3.0 “AI won’t replace planners. But planners who embrace AI — and truly understand human beings — will replace those who don’t.” Partha Iyengar recently left a comment on LinkedIn that stopped me in my tracks. He celebrated Human Capital and Human-to-Human Connections as the real drivers of progress … Continue reading Human Capital, Finology, and the Human-to-Human Economy
The Great Deregulation Deception: Why ‘Targeted Support’ Means Millions More Missold
Once again, the Financial Conduct Authority (FCA) has announced a “game-changing” reform. This time, it’s called Targeted Support — a new licence allowing financial firms to give “tailored suggestions” without conducting a full assessment of the customer’s needs. The regulator claims this will help 18 million more people get financial advice. But let’s be clear: … Continue reading The Great Deregulation Deception: Why ‘Targeted Support’ Means Millions More Missold
Harvey vs Humanity: How Captured AI Is Rewriting Justice for Profit
When a global law firm like CMS announces it’s “staying ahead of the curve” by rolling out Suits-inspired Harvey AI, most of the legal press applauds the efficiency gains.But behind the headlines lies a more uncomfortable truth — one that strikes at the very heart of access to justice. ⚖️ The Rise of Captured AI … Continue reading Harvey vs Humanity: How Captured AI Is Rewriting Justice for Profit
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