There is a moment in every profession where the ground quietly shifts. Not overnight. Not with a single announcement.But gradually—until one day, what used to work… no longer does. We are in that moment now. Artificial Intelligence is not just changing financial planning.It is redefining who holds agency, where value sits, and what clients expect. … Continue reading The Future of Financial Planning Is Being Rewritten — The Question Is: Where Do You Stand?
Month: March 2026
Financial Literacy Has Failed. Here’s What Comes Next.
For over 20 years, we’ve been trying to fix financial outcomes with education.It hasn’t worked. That’s not a criticism.It’s now being acknowledged at the highest levels of policy and regulation. At a recent European conference on Investor Trust & Confidence,Alexandra Jour-Schroeder, Deputy Director-General for Financial Stability, outlined the European Commission’s strategy: Build financial capability Restore … Continue reading Financial Literacy Has Failed. Here’s What Comes Next.
When Agency Shifts, What Happens to the Institutions?
Does an industry need to become a profession? There is a quiet shift underway. Not loud. Not yet fully visible.But unmistakable once you see it. It’s a shift in agency. For decades, financial planning has been built on a simple premise: The expert knows.The client delegates. That model made sense in a world where: Information … Continue reading When Agency Shifts, What Happens to the Institutions?
The Category That Doesn’t Exist
We looked at entering the Money Marketing Awards this year. And realised something uncomfortable. There isn’t a category for putting people before products. At first glance, that might sound trivial. Awards are just awards, after all. But look a little closer, and something more revealing emerges. Every category reflects a worldview. And in this case, … Continue reading The Category That Doesn’t Exist
Human Capital: The Asset Most Planners Still Undervalue
Lessons for Total Wealth Planners from Human Capital Development Theory For decades, financial planning has been built around one dominant assumption: Wealth is something you accumulate. Assets.Portfolios.Pensions. But the research tells a very different story. Human capital—your ability to think, earn, adapt, and create—is not just part of wealth. It is the foundation of it. … Continue reading Human Capital: The Asset Most Planners Still Undervalue
Financial Education Has a Blind Spot — And It’s Pointing at the Wrong Problem
Let’s say this clearly Some of the most widely used financial education frameworks todayopenly criticise educators. They say: teachers lack confidence financial professionals can’t teach volunteers don’t understand the subject They even warn that poor educators can cause long-term financial harm. All of that may be true. But it misses the real issue entirely. Because … Continue reading Financial Education Has a Blind Spot — And It’s Pointing at the Wrong Problem
Total Wealth Planning Has Come of Age
Restoring Human Agency in the Age of AI There is a quiet revolution underway. Not in markets.Not in products.But in people. For decades, financial planning has operated on a simple premise:those with money delegate, and those without follow. That model is breaking. The End of Delegated Wealth The traditional system was built around financial capital … Continue reading Total Wealth Planning Has Come of Age
The Future of Financial Planning Isn’t About Managing Money — It’s About Restoring Agency
There’s something quietly broken in financial planning. Not the intentions.Not even the intelligence. But the starting point. For decades, the system has been built around one central question: “How do we gather, manage, and grow assets?” And increasingly, AI is being deployed to accelerate that machine. Faster onboarding.Faster recommendations.Faster asset capture. Because in that world, … Continue reading The Future of Financial Planning Isn’t About Managing Money — It’s About Restoring Agency
Human Capital Isn’t Built by Money Alone
Lessons for Total Wealth Planners from the Economics of Human Capital “The greatest inequality in wealth is not financial.It is the unequal development of human potential.” The Hidden Truth About Wealth For decades, financial planning has focused on optimising capital already accumulated. But the research tells a different story. Human capital—our skills, motivation, health, and … Continue reading Human Capital Isn’t Built by Money Alone
AI Is Making Advisers Faster. But Is It Making Clients Free?
Quilter, SJP, and the Real Question Facing Financial Planning Two announcements this week tell us everything about where traditional financial advice is heading. Quilter is rolling out AI tools to advisers.St James’s Place is doing the same. On the surface, this looks like progress. And it is. But only in one direction. What the Industry … Continue reading AI Is Making Advisers Faster. But Is It Making Clients Free?
Academy of Life Planning 