The Financial Conduct Authority (FCA) has announced plans to help firms “eradicate jargon” from investment disclosures — part of a wider package to make retail investing more “accessible and engaging” for ordinary Britons.
On the surface, this looks like progress. After all, financial jargon has long been a tool of exclusion — designed to obscure, not enlighten. Clarity in communication is essential for informed choice. Yet beneath the rhetoric, the FCA’s latest consultation (CP25/36 and DP25/3) reveals a deeper agenda: shifting Britain’s financial culture from protection to participation — encouraging more people to “take risk” in the markets, while freeing firms from some of the guardrails that have historically kept those risks in check.
A ‘Risk Culture’ Rebrand
The FCA says it wants to “move the dial on risk” and build an “investment risk culture.” That’s new language — and a subtle but significant change.
In practical terms, it means two things:
- Loosening investor classification rules so that more individuals can be deemed “professional” and thus fall outside retail protections.
- Simplifying disclosures so firms can market investments in a more “consumer-centric” and promotional style, under the banner of transparency.
While presented as empowerment, the effect could be the opposite. Simplifying legal disclosures without strengthening structural trust simply strips away warnings, leaving citizens exposed to the same opaque incentives that drove previous mis-selling scandals.
The Danger of ‘Friendly Finance’
History tells us that every deregulatory wave begins with a promise to help consumers understand — and ends with them bearing the losses when things go wrong. “Eradicating jargon” sounds noble, but when paired with relaxed product templates and “creative communications,” it risks blurring the line between education and enticement.
What matters most is not how firms speak — but whose interests their speech serves.
At the Academy of Life Planning, we teach that language follows structure.
You can’t build trust with plain words atop untrustworthy foundations.
Structural trust comes first — through transparent governance, aligned incentives, and client-first design — only then can plain language become meaningful.
Empowerment ≠ Exposure
There’s a world of difference between empowering people to invest wisely and enticing them to invest more. True empowerment begins with literacy, autonomy, and life-centred planning — not with a marketing campaign to “shift the dial on risk appetite.”
If the FCA wants to rebuild confidence, it must go beyond cosmetic clarity. It must tackle the underlying asymmetry of power and information that defines the modern investment industry.
Until citizens can see — transparently — where their money flows, who profits, and what risks are socialised versus privatised, “eradicating jargon” will remain a slogan, not a solution.
The Structural Trustworthiness Test
Every reform should be measured against one question:
Does it increase or decrease structural trust?
If it decentralises knowledge, aligns interests, and strengthens the public’s right to know — it’s progress.
If it simplifies language but complicates reality — it’s just a smoother path to exploitation.
The Academy’s View
We welcome any move toward clarity, but clarity must serve conscience.
The next step is not just to make investment products easier to read — it’s to make financial systems easier to trust.
At the Academy of Life Planning, we continue to advocate for plain language built on plain dealing — where citizens plan their own lives, not just their portfolios.
That is how we eradicate not only jargon, but injustice.
Join the movement for structural trust.
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 