By the Academy of Life Planning
As 2025 draws to a close, the Bank of England has sent a mixed message:
⚠️ Financial stability risks are rising, yet 🪓 capital requirements for banks are being cut.
It’s a move that captures the paradox of modern finance — one hand tightening supervision of shadow banks like Goldman Sachs and Oaktree, while the other loosens the leash on the high-street institutions that once brought the world to its knees.
🏦 The New Deregulation Drive
This week, the Bank confirmed that UK lenders’ Common Equity Tier 1 (CET1) ratio — the capital buffer designed to absorb losses — will drop from 14% to 13%.
It may sound like a minor tweak, but that single percentage point frees tens of billions for banks to re-lend, invest, or speculate.
Governor Andrew Bailey called it a “sensible reflection of conditions.”
But those conditions are precisely what the Bank’s own Financial Policy Committee describes as “elevated global risks” — from geopolitical tension and sovereign debt fragility to an over-inflated AI investment bubble linked to private credit.
In plain English: the fire brigade is lowering its water pressure while smoke fills the sky.
⚖️ When “Robust” Becomes “Relaxed”
Banks argue they are stronger now, tested and resilient.
That may be true — on paper.
Yet resilience built on historic data can disguise fragility in new forms.
The interconnectedness of modern finance means a shock in one corner of the market — AI debt, private credit, or securitised consumer loans — can cascade in seconds across balance sheets and borders.
For ordinary citizens, this deregulation isn’t abstract.
It determines whether your pension, savings, or mortgage exists within a trustworthy framework or a speculative free-for-all.
🧩 A Tale of Two Systems
Only a day after relaxing bank capital rules, the Bank of England announced its first-ever shadow banking stress test, probing the private-credit giants that operate beyond traditional regulation.
These two moves reveal the split personality of modern oversight:
- Stricter scrutiny for the unregulated sector.
- Softer rules for the regulated one.
The result?
A system where risk migrates to wherever the rules are weakest.
💣 The Next Crisis Won’t Look Like 2008
The Bank’s report explicitly warns of “materially stretched” valuations in AI equities and “deeper links between AI firms and credit markets.”
This means tech hype is now leveraged with borrowed money — precisely the dynamic that turned dot-com dreams into the 2000 crash and subprime mortgages into the 2008 collapse.
At the Academy of Life Planning, we call this the Exhaustive Cycle — a reversal of natural order where Execution comes before Meaning, Growth before Purpose.
When governments deregulate to stimulate lending instead of aligning money with real human goals, they repeat the same cycle of boom and extraction that impoverishes the many to enrich the few.
🌍 Why It Matters for Planners and Citizens
Holistic wealth planners and citizen investigators alike must now read between the policy lines.
Lower capital buffers mean:
- Less shock absorption in the next downturn.
- Greater pressure to sell assets or restrict credit when trouble hits.
- Higher contagion risk between banks and shadow lenders.
In such a system, individual resilience becomes national policy.
This is why planning your life — before planning your money — matters more than ever.
🧭 The Path Forward: Structural Trust
If regulators truly wish to protect the public, the solution is not thinner buffers or faster credit growth.
It is structural trust — transparent ownership, ethical lending, and capital aligned with human purpose.
The Academy of Life Planning continues to campaign for a financial system that serves people, not products.
The Bank of England may be rewriting the rules of the game, but together we can redesign the field — one planner, one citizen, one act of integrity at a time.
✊ Join the Movement
Learn how holistic wealth planners and citizen investigators are restoring trust and transparency to finance through the GAME Plan for Sovereign Living.
👉 academyoflifeplanning.com
Get SAFE: A Fellowship for Those Walking Through Fire
Get SAFE is becoming what people are desperately searching for —
a structured, ethical, trauma-informed community for:
- victims of financial exploitation
- whistleblowers
- bereaved families
- citizen investigators
- advocates and moral leaders
The Fellowship is simple but profound:
We gather to recover agency, share truth, deepen courage, and support one another in the long path from harm to justice.
We are not aligned with any regulator, political system, or institution.
Our strength is our independence.
People came alive when they heard it:
“A Fellowship of truth, justice, and recovery — not a bureaucracy.”
“A place where victims are finally believed.”
“A community rooted in courage, not compliance.”
And because of the AI frameworks we’ve introduced, this Fellowship is not just emotional support — it is practical empowerment.
For the first time, ordinary people can:
- build digital dossiers
- reconstruct timelines
- detect patterns of institutional misconduct
- write letters with authority
- expose evidence regulators overlooked
- collaborate safely across cases
- turn pain into purpose
This is how movements begin.
Planning My Life: Preventing Exploitation Before It Starts
What the event also confirmed is this:
People fall into financial exploitation when they fall out of sovereignty.
Planning My Life sits exactly at this junction.
It teaches people:
- how to think independently
- how to plan their lives before planning their money
- how to identify institutional risk
- how to spot predatory sales patterns
- how to avoid product-led advice
- how to stay structurally trustworthy
- how to build a life where no adviser can mislead, confuse, or coerce them
Prevention and recovery are two halves of the same circle.
Get SAFE rescues those already harmed.
Planning My Life equips people so it never happens again.
Together, they form a complete empowerment system.
A New Model of Justice Is Emerging — Built by the People Themselves
The collective energy of the event revealed a truth that no institution dares speak:
When regulators fail, citizens take up the role of regulator.
When governance collapses, the governed take up the role of governance.
When truth is buried, truth-tellers become archivists of justice.
The movement we are seeing now is not political.
It is human.
It is built on:
- transparency
- dignity
- courage
- integrity
- collective intelligence
- and the healing power of community
These are the values Paul Moore lived and died for.
This event honoured him not by remembering his warnings —
but by continuing his fight.
Where We Go From Here
The Academy of Life Planning now carries a responsibility that is both moral and strategic:
To give people the tools to understand their lives,
their finances,
and their evidence —
so exploitation no longer survives in the shadows.
Through:
- Planning My Life (self-sovereignty)
- Get SAFE (justice and recovery)
- AI-as-co-pilot (pattern recognition, empowerment, clarity)
- The Fellowship (community and courage)
- The GAME Plan (a universal cycle of intention-to-manifestation)
…we are building the world that institutions promised but failed to deliver.
A world where truth has a home.
A world where victims are lifted, not shunned.
A world where ordinary people can finally stand equal to the powers that harmed them.
A world where transparency is not a slogan —
it is a lived practice that restores dignity, agency, and hope.
This is the movement Paul Moore began.
This is the movement that rose in that meeting.
This is the movement we now carry forward.
And we will not stop until every victim finds their voice,
every truth comes to light,
and every life stolen by exploitation is honoured through justice.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
Instant Access
Purchase today for £2.99 and get your secure link to:
- the training video, and
- the downloadable workbook.
Link to Goliathon Taster £2.99.
If the session resonates, you can upgrade to the full Goliathon Programme for £29 and continue your journey toward clarity, justice, and recovery.
Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
We’re now raising £20,000 to:
Register Get SAFE as a Charity (CIO)
Build our website, CRM, and outreach platform
Fund our first year of free support and recovery programmes
Every £50 donation provides a bursary for one survivor — giving access to the tools, training, and community needed to rebuild life and pursue justice with confidence.
Your contribution doesn’t just fund a project — it fuels a movement.
Support the Crowdfunder today and help us rebuild lives and restore justice.
Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 