There is a pattern that almost no one names, but every long-term victim of financial wrongdoing eventually feels in their bones. When an institution knows it has caused serious harm — and knows that fully acknowledging it would expose regulatory failure, legal liability, or reputational collapse — it does not rush to correct the wrong. … Continue reading Why the System Tries to Erase Victims — and Why Get SAFE Exists to Keep Them Alive Long Enough to Turn the Tables
Month: January 2026
From Products to People: What Human Capital Economics Teaches Financial Advisers at the Bridge
Why the future of financial planning is not about better portfolios — but better humans. For decades, financial advice has been built on a narrow idea of “wealth”:money first, life second, people last. But a growing body of serious economic research is now saying what many progressive advisers already feel in practice: Money doesn’t create … Continue reading From Products to People: What Human Capital Economics Teaches Financial Advisers at the Bridge
Why This Study Quietly Changes Everything for Financial Planners
What Human Capital Inequality Teaches Us About the Future of Advice For decades, financial planning has rested on a comfortable assumption: If people have access to money and good products, they’ll make good long-term decisions. The study “Human Capital Inequality, Life Expectancy and Economic Growth” by Castelló-Climent and Doménech gently — but decisively — dismantles … Continue reading Why This Study Quietly Changes Everything for Financial Planners
PMC Member Showcase
Geoff Dyckes RLP®, GAME Plan AccreditedLife-Centred Financial Planner Peer Practice Sharing — Learn What’s Really Working Most advisers don’t need more theory.They need to see how real people are actually building real practices — in the messy middle. That’s exactly what the Practice Management Circle (PMC) is for. PMC is the Academy’s peer learning space … Continue reading PMC Member Showcase
Vanguard Cuts LifeStrategy Fees — And Why “Boring” Is Exactly What Most People Need
Vanguard has just announced another round of fee cuts and a new global LifeStrategy range. On the surface, it looks like routine industry news: Fees down from 0.22% to 0.20% Model portfolio costs moving toward ~0.17% Reduced UK home bias A new fully global LifeStrategy range £10m “returned” to UK investors Continued focus on low-cost, … Continue reading Vanguard Cuts LifeStrategy Fees — And Why “Boring” Is Exactly What Most People Need
Are We Educating the Next Generation — or Recruiting Them Into a Broken System?
When a profession celebrates widening access, it must also ask a harder question: access to what? This week, the Chartered Insurance Institute (CII) and Personal Finance Society (PFS) announced that over 6,600 young people have taken part in their virtual work experience programmes since 2023. The story is being framed as a success: Diverse participation … Continue reading Are We Educating the Next Generation — or Recruiting Them Into a Broken System?
Take Your Sign Down: Why Financial Planning Must Stop Living Within a Lie
By Steve Conley, Academy of Life Planning Overnight in Davos, Canadian Prime Minister Mark Carney delivered what I believe will be remembered as an era-defining speech. Not because it was dramatic.Not because it was ideological.But because it named reality. Carney spoke about geopolitics.But what he really described was every untrustworthy system that survives by ritual, … Continue reading Take Your Sign Down: Why Financial Planning Must Stop Living Within a Lie
From Meaningful Advice to Total Wealth Planning
From Meaningful Advice to Total Wealth Planning Why the profession is right about meaning — and why the journey can’t stop there An Academy of Life Planning bridge‑mode explainer for advisers sensing there’s more to come A shared moment of recognition Recent commentary from respected thought leaders within the adviser profession captures something many practitioners … Continue reading From Meaningful Advice to Total Wealth Planning
Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
What a landmark human capital study reveals about the future of financial planning Introduction: A Quiet Problem No One in Advice Talks About Most financial planners were trained inside a narrow frame: Learn the technical rules Model the money Optimise the investments Manage the risks Assume the client behaves “rationally” It’s a neat system.It’s also … Continue reading Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
Crossing the Bridge: From Advice‑Only to Total Wealth Planning
A gentle map of where the profession is heading — and why it matters There is a quiet shift happening in financial planning. It is not loud. It is not revolutionary (yet). And it is not being announced as a paradigm change. But if you look closely at how progressive advisers are evolving their fee … Continue reading Crossing the Bridge: From Advice‑Only to Total Wealth Planning
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