The Insurer Has AI. Who Is Sitting on Your Side of the Table? Artificial intelligence is beginning to reshape insurance. Insurers are using it to price risk, assess claims, detect fraud, automate customer service, monitor behaviour and distribute products more efficiently. Source: How AI will reshape the economics of insurance: A CEO’s guide to strategy, … Continue reading Citizen AI in the Insurance Market: Why We Need Countervailing Agency Infrastructure
Month: July 2026
When Clients Become Assets: What the £4m SJP Court Dispute Reveals
SJP partners in court over £4m client bank sale dispute A £4 million court dispute between St James’s Place partners has cast an uncomfortable light on the trade in so-called “client banks”. Helen Rogers alleges that the portfolio of around 800 clients she acquired from retiring partners contained serious problems, including clients who had not … Continue reading When Clients Become Assets: What the £4m SJP Court Dispute Reveals
Financial Iceberg: ChatGPT Exposes Hidden Truths
Today I came across this post on LinkedIn: I ACCIDENTALLY UNLOCKED "GOD MODE" IN CHATGPT,AND IT STARTED TEACHING ME THINGS I DIDN'T KNEW EXISTED.HERE ARE THOSE 7 CHATGPT PROMPTS THAT WILL CHANGE EVERYTHING FOR YOU:Forbidden Wisdom DecoderPrompt:What are the lesser-known, under-the-surface truths about [insert topic/field] that are rarely shared publicly because they challenge mainstream thinking? … Continue reading Financial Iceberg: ChatGPT Exposes Hidden Truths
The Academy Community Is Now Live on WhatsApp
Most people do not need a financial adviser beside them all the time. They need the right tools, somewhere trustworthy to ask questions, and access to an independent second brain when life becomes complex, stressful or uncertain. That is the thinking behind the new Academy of Life Planning Community on WhatsApp, now open to all … Continue reading The Academy Community Is Now Live on WhatsApp
Do You Understand the Business Model Behind Your SJP Advice?
A clarity check for more than one million St. James’s Place clients Your adviser may know your family, your ambitions and your worries. They may have helped you through retirement, bereavement, a business sale or a difficult investment decision. You may trust them—and that trust may be well deserved. But there is another question worth … Continue reading Do You Understand the Business Model Behind Your SJP Advice?
Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them?
From Assets Under Management to Agency Under Development. For decades, the financial-services business model has been built around a simple proposition: People do not understand money well enough to manage it themselves. So they should delegate. Delegate the analysis.Delegate the decisions.Delegate the implementation.Delegate the ongoing management. Then pay someone, often indefinitely, for the privilege. Artificial … Continue reading Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them?
From Registered Life Planner to Total Wealth Planner
Fifteen years ago, I completed the Registered Life Planner pathway with the Kinder Institute. It changed the way I listened, the way I planned and the way I understood the relationship between money and life. Today, I am a Total Wealth Planner. That journey was not a rejection of life planning. It was the next … Continue reading From Registered Life Planner to Total Wealth Planner
You Don’t Have to Abandon Advice to Start Restoring Agency
Many regulated financial advisers can see that the relationship between clients, technology and professional expertise is changing. They understand the argument for greater client capability. They recognise that AI is reducing information asymmetry. They may even agree that financial planning should leave people more able to understand, choose and act for themselves. But agreement does … Continue reading You Don’t Have to Abandon Advice to Start Restoring Agency
Agency Story No. 2: The Couple Who Came Back When the Decision Changed
Rachel and David did not need someone permanently managing their financial lives. They needed a way to explore retirement for themselves, followed by focused human support when the remaining decisions became more complex. Names and certain identifying details have been changed to protect client confidentiality. The underlying circumstances, planning process and client quotations remain faithful … Continue reading Agency Story No. 2: The Couple Who Came Back When the Decision Changed
The Hot Shower: Jimmy Carr’s Outlook on Gratitude, Perspective and Modern Luxury
The Hot Shower Thought Most of us step into a hot shower without giving it a second thought. Jimmy Carr suggests we should. He points out that no king, emperor or celebrated figure from a century ago could reliably enjoy what millions of ordinary people now experience every morning: clean, instantly available hot water, delivered … Continue reading The Hot Shower: Jimmy Carr’s Outlook on Gratitude, Perspective and Modern Luxury
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