Regulators showed their teeth in 2025. So why does the harm keep repeating — and how can 2026 be different? At first glance, 2025 looked like a turning point. Headlines spoke of regulators “showing their teeth”.Large institutions were fined.Language hardened.Enforcement totals rose. And yet, when we step back and look at the violations data, a … Continue reading 2026 is where professionals step out of the risk-chain.
Month: December 2025
Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Why Inequality Persists — and Why Total Wealth Planning Works Inequality is often framed as a failure of effort, intelligence, or morality.The evidence tells a quieter, more uncomfortable truth. People are not failing.Systems are misallocating human potential. This study on human capital and economic development shows that even when people are educated, skilled, and motivated, … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Inequality Isn’t a Moral Failure. It’s a Design Failure.
Why Total Wealth Planners Are the Antidote — Without Ideology For decades, inequality has been argued as if it were a moral contest. One side says inequality is the price of growth.The other says inequality is proof the system is broken. Both miss the point. Inequality is not primarily a question of values.It is a … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure.
From Intermediation to Ownership:
What the US Adviser Awakening Signals for Global Total Wealth Planners in 2026 2025 may go down as the year the wealth-management industry finally admitted what many advisers had quietly felt for years: The ground has shifted — structurally, technologically, and psychologically. In the US, record consolidation, forced platform migrations, and accelerating breakaways exposed a … Continue reading From Intermediation to Ownership:
Mazur v Charles Russell Speechlys — What This Means for You
If you are dealing with a dispute, complaint, or legal process, you may already feel overwhelmed, mistrustful, or exhausted. This page is here to steady the ground, not to push you into action. You do not need to be a lawyer.You do not need to do anything differently today.This is about understanding, not escalation. Summary: … Continue reading Mazur v Charles Russell Speechlys — What This Means for You
Human Capital First:
Why Total Wealth Planning Is the Future of Financial Planning For decades, financial planning has focused on allocating money. But the evidence is clear:money does not create wealth — people do. A peer-reviewed academic study, Human Capital: The Tool for Economic Growth and Development, reinforces a truth that sits at the very heart of the … Continue reading Human Capital First:
Britain’s Second Empire: How Cayman Law Is Being Used to Strip Billions from British Investors
And why the Crown can no longer pretend it has no responsibility “The soldiers left the colonies, but the bankers never did.”— The Spider’s Web For years, the phrase “Britain’s Second Empire” sounded conspiratorial to those who still believed imperial power ended with flags and gunboats. But the evidence is now too substantial to ignore. … Continue reading Britain’s Second Empire: How Cayman Law Is Being Used to Strip Billions from British Investors
From Human Capital to Human Capability
Why Total Wealth Planning Is the Next Evolution of the Profession For decades, financial planning has rested on a deceptively simple assumption:that if people are given the right information and the right products, good outcomes will follow. But reality keeps proving otherwise. Despite ever more sophisticated modelling, ever thicker reports, and ever greater volumes of … Continue reading From Human Capital to Human Capability
Why Aspiration Alone Fails
And What Total Wealth Planners Must Do Instead For decades, policymakers and educators have believed that the key to social mobility lies in raising aspirations. If people can just see a better future, surely they will find a way to reach it. A major UK-based body of economic research tells a more uncomfortable truth. Aspirations … Continue reading Why Aspiration Alone Fails
From Human Capital to Human Flourishing
Why Total Wealth Planning Must Replace Individualised Finance For decades, mainstream economics — and by extension much of financial planning — has rested on a deceptively simple idea: People earn what they are worth because they are productive. This belief, known as human capital theory, is so embedded in modern thinking that it often goes … Continue reading From Human Capital to Human Flourishing
Academy of Life Planning 