Half of Gen X savers now say they fear running out of money in retirement. That statistic has been widely reported across financial media. But something important is missing from the conversation. The narrative assumes that retirement security depends almost entirely on financial capital — the size of your pension pot. For millions of people … Continue reading The Pension Gap Panic: Why Gen X Is Being Scared About Retirement — and Why the Story Is Incomplete →

For more than a decade, the Academy of Life Planning has focused on a simple but powerful principle: Human agency. The ability of individuals to consciously design their lives, make meaningful choices, and shape their own futures. At first glance, this might appear to be a philosophical idea. But over the past twenty to thirty … Continue reading Why “Agency” Is Becoming One of the Most Important Ideas in Economics, Psychology, and Governance →

Why many advisers feel trapped between selling their firms and walking away — and what a better path might look like For many financial advisers, the end of their career raises a difficult question. What happens to the clients? After decades of building trust, guiding families through life decisions, and helping people navigate financial complexity, … Continue reading The Missing Exit Strategy for Financial Advisers →