When AI Is Captured: What City Banks’ AI Ambitions Mean for Citizen Investigators

Lessons for Get SAFE users from the front line of “bankers and bots” Artificial intelligence is often framed as a great equaliser — faster analysis, lower costs, better decisions.But as the City’s largest banks roll out agentic AI at scale, a more uncomfortable truth is emerging: AI does not automatically democratise power.It amplifies whoever already … Continue reading When AI Is Captured: What City Banks’ AI Ambitions Mean for Citizen Investigators →

Planning for Total Wealth: Why Human Capital Must Be at the Heart of Lifetime Planning

Most new financial advisers are taught to plan only half a life. The familiar model—accumulation, transition, retirement, legacy—has become so normalised that few stop to ask a more fundamental question: What exactly are we planning? The answer, in practice, is almost always the same:financial capital. Savings. Investments. Pensions. Decumulation strategies. Estate planning. All important.All necessary.But … Continue reading Planning for Total Wealth: Why Human Capital Must Be at the Heart of Lifetime Planning →

AI Cash-Flow Planning vs Traditional Lifetime Cash-Flow Tools

A reflection for planners navigating what comes next For decades, lifetime cash-flow planning tools have played a central role in professional financial planning. They brought structure, consistency, and a sense of rigour to conversations about the future. Many advisers built their confidence — and their practices — around them. So it’s understandable that the emergence … Continue reading AI Cash-Flow Planning vs Traditional Lifetime Cash-Flow Tools →

Rebuilding Agency in an Age of Demoralisation

Why Life Planning Must Come Before Financial Planning There is a growing sense, across society and within financial services, that something deeper than “bad information” is at work. People are not simply confused.They are not simply misinformed.And they are not unintelligent. Many are demoralised. Demoralisation is not about ignorance. It is about loss of inner … Continue reading Rebuilding Agency in an Age of Demoralisation →

Confidential Settlements, Tomlin Orders, and What They Mean for Victims

For many people harmed by financial misconduct, a settlement can feel like the end of a long and exhausting journey. The letters stop. The court process pauses. There is, at last, some financial relief. But for many victims, settlement is not the end of the story.It is simply a quieter chapter—often one marked by confusion, … Continue reading Confidential Settlements, Tomlin Orders, and What They Mean for Victims →

When “Financial Education” Isn’t Neutral

A guide for citizen investigators — and a preparedness note for Wealth Planners Financial education is having a moment. Advice firms are launching education arms.Coaching, guidance, and “lighter-touch” services are expanding fast.Social media is full of content promising clarity, confidence, and control. Much of this is well-intended. Some of it is genuinely helpful. But for … Continue reading When “Financial Education” Isn’t Neutral →

AI Isn’t Eating Your Lunch — It’s Changing Who Brings It to the Table

Introducing the Total Wealth Plan™ licensing options A quiet shift in how clients prepare for advice More and more clients are arriving having already used AI to: explore scenarios compare options question fees and sense-check decisions Not because they want to bypass their adviser —but because AI now gives them agency before the meeting. For … Continue reading AI Isn’t Eating Your Lunch — It’s Changing Who Brings It to the Table →

Audit Reform “Before the Next Scandal”: What Citizen Investigators Must Learn from the FRC’s Warning

In January 2026, the UK’s audit regulator issued an unusually candid warning. The Chief Executive of the Financial Reporting Council (FRC), Richard Moriarty, urged government to pass audit reform legislation before the next corporate collapse—rather than waiting for a scandal to force action. For those involved in Get SAFE cases, this will sound uncomfortably familiar. … Continue reading Audit Reform “Before the Next Scandal”: What Citizen Investigators Must Learn from the FRC’s Warning →

Human Capital Is Not a Soft Idea

Why Total Wealth Planners Are Closer to Economic Reality Than the Mainstream For over two centuries, economists have been telling us something the financial services industry still struggles to hear: Wealth is created by people, not products. A recent academic review of human capital theory traces this insight from Adam Smith through to modern growth … Continue reading Human Capital Is Not a Soft Idea →

Why It’s Worth Challenging Initial FOS Decisions

How AI checks can help consumers reclaim fairness — not just faster closure By Get SAFE – Support After Financial Exploitation A new industry briefing reports that the Financial Ombudsman Service (FOS) intends to resolve 80% of cases within six months, processing up to 245,000 cases in 2026/27. On the surface, that sounds like progress. … Continue reading Why It’s Worth Challenging Initial FOS Decisions →