The Academy of Life Planning is developing the Independent Retirement Review: a workplace service combining AI-supported pension understanding, lifetime financial modelling and independent human planning. We are inviting accredited Total Wealth Planners to help build and deliver it. The missing employee benefit Employers spend billions providing pensions for their employees. Yet how many employees genuinely … Continue reading Your Pension Is Part of Your Pay. Understanding It Should Be Part of Your Employee Benefits.
Category: Money & Everyday Decisions
Pensions, saving, budgeting, investing and everyday financial understanding and choices.
Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Kakeibo Ledger™: Sometimes the Best Technology Gets Out of Your Way I have been fascinated by Japanese approaches to money, life and human flourishing for a long time. I use Ikigai in life planning. I use Kokoro as a way of thinking about alignment between mind, body, heart and spirit. Even the Academy’s GAME Plan … Continue reading Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
What if financial planning started with your life, rather than your investments? I recently joined Kevin Whelan on the WealthBuilders WealthTalk podcast for a conversation about something much bigger than pensions, investments or financial products. It was about who should ultimately be in control of your financial life. The answer sounds obvious. You should. Yet … Continue reading Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
17 Million Pension Policies. £500 Billion Invested. The FCA Says Many Could Be Poor Value.
The Financial Conduct Authority has issued a clear warning to pension providers. Millions of people holding older unit-linked pension and savings policies may not be receiving fair value. The scale is remarkable. Around 17 million policies. Around £500 billion invested. Many of these products are no longer sold. They sit quietly in the background, often … Continue reading 17 Million Pension Policies. £500 Billion Invested. The FCA Says Many Could Be Poor Value.
Pension transfer protections are changing. Overseas investment risk must not be hidden.
The Government has opened a consultation on new protections for people transferring pensions into Small Self-Administered Schemes, known as SSASs. You can read the Government consultation here:Protecting pension savers: proposals to amend the transfer regulations Some of the proposed changes are welcome. But one part of the proposal should concern anyone who cares about pension … Continue reading Pension transfer protections are changing. Overseas investment risk must not be hidden.
Only 9% Are on Course for a Comfortable Retirement. The Real Problem Is Not Just Pension Saving.
A newspaper headline this week captured something many people already feel in their bones: Only 9% of the working population are on course for a comfortable retirement. Another headline put the figure even more starkly: The £1.2m cost of a comfortable retirement in Britain today. The story is familiar. People are living longer. The cost … Continue reading Only 9% Are on Course for a Comfortable Retirement. The Real Problem Is Not Just Pension Saving.
2.2 Million People Think Pension Engagement Is Pointless. That Should Worry Us All.
Ask My Pension is now in free beta at AskMyPension.app — built to help people ask clearer pension questions before they give up. A new report from People’s Pension should give everyone in financial planning pause. According to research reported by Zoe Wickens, one in eight employees — around 2.2 million people — say it … Continue reading 2.2 Million People Think Pension Engagement Is Pointless. That Should Worry Us All.
Ask Your Pension Anything
Free beta launch — now live at AskMyPension.app Category: Pension Planning · Financial Empowerment · Free Tools · AoLPReading time: 4 minutes We just launched a free app that lets you ask your pension anything. Ask My Pension is now live. It is free to use. It works with UK occupational and statutory pension schemes. … Continue reading Ask Your Pension Anything
12.2 Million People Are Being Told They Face Pension Poverty.
But What If the Missing Asset… Is You? A new retirement report from Scottish Widows says 12.2 million people across the UK are at risk of “pension poverty.” The proposed solutions are familiar: Save more into pensions Increase auto-enrolment contributions Invest more for longer Build larger retirement pots Those things matter. But there is another … Continue reading 12.2 Million People Are Being Told They Face Pension Poverty.
Most People Don’t Understand Their Defined Benefit Pension. Now They Can.
We have built something we should have built years ago The AoLP Occupational Pension Planning Engine gives defined benefit pension scheme members the ability to understand their entitlements, explore their options, and make informed decisions — without waiting for an adviser appointment that may never come. By Steve Conley · Academy of Life Planning · … Continue reading Most People Don’t Understand Their Defined Benefit Pension. Now They Can.
