The Metamorphosis of a Financial Planner

Butterfly

What I see when I look at the financial services industry is the incomplete transformation from salespeople to professional advisers. We are largely an industry dedicated to the sale of financial products. We are not yet a profession concerned with the provision of financial advice.

Until the transition is complete it is only right that all investment salespeople be heavily regulated. If you were in the regulators shoes you would have no choice but to create regulations for the lowest common denominator. In poor quality firms, compliance is seen as a problem because they are trying to back-fill the compliance to fit their poor advice.

As a good acquaintance of mine, Brett Davidson said in his article, Get Better Not Bitter: “I recently heard about an adviser who has called it quits and is leaving the profession. The reason? He was totally fed up with the barrage of regulation. For him, the fun had finally left the building.”

But, financial planning and personal coaching is, rightly so, a non-regulated activity. By necessity it is financial intermediation that is regulated as here lies all the conflicted remuneration, where, as the regulator said recently, an adviser may have a strong monetary incentive to recommend one course of action over another. Over time these incentives can have a significant negative financial impact on consumers.

I hear advisers say that surveys show that, having an adviser can have a strong positive financial impact on consumers. The survey will show adviser clients being wealthier, but the analysis is unsubstantiated and results inconclusive. You see there is a selection bias distorting the outcome; where advisers set thresholds on investable assets or income, they only select as clients those consumers that have the prospect of a strong positive financial future; to maximise assets under advice, and thereby maximise future revenue. In so doing, they leave 95% of the population as underserved, and the advice gap can have a significant negative financial impact on consumers.

Whether sales agents hold one agency or many, they are still selling agents and salespeople, and are never truly independent of product providers. Only when they are not an intermediary, are they truly independent. Advisers should be required by the regulator to clearly disclose and explain why they are not independent, impartial or unbiased. But that does not happen.

So far the industry has stopped far short of placing a wall between advice and product. Our regulations even favour vertically integrated firms; where product companies employ advisers exemptions for the disclosure of conflicted remuneration apply. Only when we see blue water between advice and product will we have an integrity that is impeccable.

“There should be a wall, between advice and products, between advice and large institutions, and between our regulators and large institutions. We need an integrity that is impeccable. Until we actually institute a way of bringing good heart, great integrity and a fiduciary relationship that is sustainable into the industry, we are going to fail. We have to make this change, and we have to make it now.” – George Kinder

How can a client trust someone if they are not regulated? “Only a regulated adviser can be trusted”, some might say. And, if advisers are not regulated, they will be unprofessional?

I say, let regulators regulate to the lowest common denominator the industries that lack impeccable integrity. Let professional bodies oversee the professionalism of their members, in markets where integrity is assured, through effective codes of conduct. It is through effective codes that we can restore market integrity. The truly ground-breaking work of collaborating communities like the Market Integrity Team of the Transparency Taskforce will in time improve outcomes for consumers and help restore confidence in the Sector.

When our industry is impeccable we need less regulation, and in lowering the cost of regulation for advisers we can begin to serve the underserved, plug the advice gap and reduce the wealth divide.

The transition for a financial planner from salesperson to professional adviser for me, is the transformation from financial intermediary to non-intermediating financial planner.

If you are ready to begin that metamorphosis, then join us.

Contact us today to find out how the Academy of Life Planning can help you transition from Investment Firm (Regulated) to Non-Intermediating Financial Planning firm (non-regulated).

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The Twin Peaks of Financial Planning: Consider Both Camps

The Twin Peaks of Financial Planning

Business Owners: Do you increase your investment in the intermediary model to dominate the market or is it time to divest the intermediary line?

There are two types of financial planners. There is the Financial Intermediary and the Non-Intermediating Financial Planner.

The Financial Intermediary is regulated by the Financial Conduct Authority on account of having undertaken regulated activity, that is making personal recommendations with a view to the buying or selling of investment products. Financial Planning is not a regulated activity, provided it does not form part of a process containing a regulated activity.

The Non-Intermediating Financial Planner sells financial plans, not products. They do not hold agency agreements with product providers, placing a wall between advice and product. NIFP’s act as an agent of the client, rather than a selling agent. NIFPs are not registered with or regulated by FCA. NIFPs are instead bound by the codes of their professional bodies and trade associations.

Here is the Financial Intermediation (FI) Process (ISO 22222):

1. Establishing client/planner relations.

2. Determining goals and gathering data.

3. Evaluating the client’s financial status.

4. Developing and presenting the financial plan.

5. Implementing recommendations.

6. Monitoring the plan recommendations.

Here is the Non-Intermediating Financial Planning (NIFP) Process (The GAME Plan):

1. Goals. Listen to the client. Determine goals in every area of their life, not just financial goals.

2. Actions. Identify actions clients can take to overcome obstacles and achieve life goals. Produce an action plan. Be a life coach. Plan the client before planning the money.

3. Means. Gather data. Evaluate the client’s financial status. Develop and present the financial plan. Include wealth creation strategies, not simply wealth management/ preservation strategies. Make no product recommendations. Sell no product.

4. Execution. Be a personal coach to the client. Educate them. Show them how as far as possible to DIY on product. Repeat as and when required. Refer to Financial Intermediaries if product research, product recommendations, product implementation or ongoing product management is required.

The difference:

  • The NIFP Planner acts on behalf of the client, the relationship is with the client only. No adviser relationships with product providers exist. The adviser listens to the client from the start of the first meeting, without pulling out a product brochure, and act as the agent of the client. The FI, on the other hand, is a selling agent of one or more product providers and that’s why relations need to be established with the client and brochures pulled out before listening to the client. Unfailingly, product brochures appear in the first 82 seconds of the discovery meeting, as the FI establishes client/ planner relations.
  • The FI begins with the money. Goals and data gathered are financial. Missing out steps is destructive. Planning the money before the client is exhaustive. Planning the client before the money is productive. The NIFP plans the client before the money. The money conversation does not start until step 3.
  • The FI financial plan is all about products. There is a shortfall analysis delivered against the adviser, and their compliance officer’s, perceived view of goals. Protection. Retirement. Investments. Savings and Mortgages. In that order. Typically, to accumulate and preserve wealth as a priority for the best part of 50 years on the bet the client can buy freedom in the last 16 years. The NIFP, on the other hand, asks the client about their life goals, includes stuff money can’t buy, plans against that, and, when planning money, talks about wealth creation as well as wealth management and protection. For it is the client who creates wealth, not any product.
  • The FI researches the market – putting out that their stock selection and market timing will add value to the service. The FI makes a recommendation, calling upon their crystal ball. The FI implements the recommendation, as though implementation was difficult. The FI monitors the wealth management solution as if the product needed monitoring.
  • According to Which? 90% of FIs take fees on a percentage of assets under influence. The accumulation strategy the FI proposes therefore serves the FI’s interest, and the interest of the product providers they hold selling agencies with. There lies the conflict in interest. The poor old client must place their life on hold whilst working for the best part of 50 years on the treadmill of work existence, and 9 in 10 lose the bet of buying happiness in later life.
  • The NIFP simply educates the client that in most cases intermediation, after charges, fails to beat markets and DIY solutions can be set up in minutes to deliver better outcomes as simply as online banking, and held for the duration without the need for ongoing actions. Behavioural economics is general advice and forms part of the education process. Saving the client, a third to a half of their life savings in unnecessary fees and charges.

Does this sound like a harsh view? The FCA who regulate FIs agree. The FCA, according to its latest report Policy Statement PS20/6, is placing its cross-hairs on ongoing charges levied by FIs, which it described as among ‘substantial conflicts of interest’ advisers face. But the FCA goes further. ‘Our view’ it said, ‘is that many consumers would not benefit from ongoing advice, as their circumstances are unlikely to change significantly from year to year.’

An old Cherokee is teaching his grandson about life:

“A fight is going on inside me,” he said to the boy.

“It is a terrible fight and it is between two wolves. One is evil – he is anger, envy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego.”

He continued, “The other is good – he is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion, and faith. The same fight is going on inside you – and inside every other person, too.”

The grandson thought about it for a minute and then asked his grandfather: “Which wolf will win?”

The old Cherokee simply replied, “The one you feed.”

Do you increase your investment in the FI model to dominate the FI market or do you divest the FI line?

As financial planners, virtually all of us have been financial intermediaries. The Non-intermediating Financial Planner is something we had never even heard of before now. It is the same for consumers too. As consumers, we buy hundreds of thousands of products every month. When we talk to a financial planner we expect to be sold a product. That is just the way it is.

Financial Intermediation is itself a service. And just like us, this service has a life cycle. Older, long-established services eventually become less popular, while in contrast, the demand for new, more modern services usually increases quite rapidly after they are launched.

Because most companies understand the different proposition life cycle stages, and that the services they sell all have a limited lifespan, the majority of them will invest heavily in new proposition development in order to make sure that their businesses continue to grow.

I was the lead proposition architect for wealth in the banks for over a decade, and here is what I can tell you.

Proposition Life Cycle Stages Explained

The proposition life cycle has four very clearly defined stages, each with its own characteristics that mean different things for business that are trying to manage the life cycle of their proposition.

Introduction Stage: This stage of the cycle could be the most expensive for a company launching a new service. The size of the market for the service is small, which means sales are low, although they will be increasing. On the other hand, the cost of things like research and development, consumer testing, and the marketing needed to launch the service can be remarkably high, especially if it is a competitive sector.

Growth Stage: The growth stage is typically characterised by a strong growth in sales and profits, and because the company can start to benefit from economies of scale in production, the profit margins, as well as the overall amount of profit, will increase. This makes it possible for businesses to invest more money in the promotional activity to maximise the potential of this stage.

Maturity Stage: During the maturity stage, the service is established and the aim for the service provider is now to maintain the market share they have built up. This is probably the most competitive time for most services and businesses need to invest wisely in any marketing they undertake. They also need to consider any service modifications or improvements to the delivery process which might give them a competitive advantage.

Decline Stage: Eventually, the market for a service will start to shrink, and this is what is known as the decline stage. This shrinkage could be due to the market becoming saturated (i.e. all the customers who will buy the service have already purchased it), or because the consumers are switching to a different type of service. While this decline may be inevitable, it may still be possible for companies to make some profit by switching to less-expensive distribution methods (i.e. robo-advisers) and cheaper markets.

PESTLE on Financial Planning: What are the Market Drivers?

Market drivers are the underlying forces that compel consumers to purchase products and services. When market drivers are positive they signify opportunities for market growth and development. When they are negative they signify trends of market decline and threats to business operation.

Market drivers come in seven distinct types. A PESTLE analysis is a framework to analyse these seven drivers (Political, Economic, Sociological, Technological, Legal and Environmental) influencing an organisation from the outside. See footnotes for details.

By understanding these external environments, firms can maximise the opportunities and minimise the threats to their operations. Let us look at the drivers in more detail in the context of Financial Planning.

Financial Intermediary (FI)

This market is well established and mature. We are seeing reducing numbers of regulated individuals, to just over 25,000, from 400,000 some 20 years ago. Boutique firms are selling out to consolidators and we now have just over 5,000 larger firms. Adviser numbers and firm numbers are dwindling. Big firms dominate. Smaller firms are fast disappearing.

There is a growing compliance burden for market participants. Professional Indemnity Insurance costs are skyrocketing. Barriers to market entry are high. The regulators are placing a downward pressure on margins. Renewal income has come under threat as firms milk for cash while they can. Liabilities chase business owners to the grave. Services retract accordingly, as unprofitable higher risk customer groups are dropped (i.e. DB pension transfers).

The largest unprofitable customer segments to be dropped is mass affluent. Adviser thresholds have increased from £100k to £250k of investible assets. Now, 95% to 98% of the market have been disintermediated. There is a growing advice gap for the British public, which in turn leads to growing wealth inequality.

Whilst international intermediary groups exist, the regulators increasingly restrict operations to UK.

The FI Market is in decline stage.

Non-Intermediating Financial Planning (NIFP)

The NIFP market is in its infancy and in its introduction stage.

There are 400,000 ex financial advisers in UK, many not yet retired who could potentially enter this market. Barriers for market entry are low. Potential for future growth is substantial. Most current market participants are just starting up. Or, are setting up side line NIFP firms.

There is little to no compliance burden for market participants. Professional Indemnity Insurance costs are low, less than £100 per annum. There is truly little price pressure. All the client value lies in the planning not the intermediation. Clients trust this model. Referrals are more easily obtained. Retainer income is more easily established.

There are few, if any, legal liabilities following business owners to the grave.

Market participants can afford to pass on cost savings from little to no compliance, of up to 50% of revenue, passed on to the client. This lowers adviser charges, whilst maintaining adviser margins. This is a more profitable business model. And, a more accessible service for most.

The service is relatively easy to deliver. Businesses can deliver the service relatively quickly. Due to lower price points, NIFP services are more accessible for mass affluent. Plugs the advice gap.

Due to cv-19, people are more inclined to use ZOOM online services. Due to the absence of wet signatures and the handling of client money, NIFP services lend themselves well to online delivery.

The world finds itself in a global money or your life emergency and people need money and life plans. There is a high demand for this service.

Due to lower levels of regulation NIFP services translate across borders, enabling business owners to make global offerings available. NIFP can be delivered from anywhere, to anywhere.

Conclusion

Business Owners: It is time to innovate!

Consider setting up a hybrid financial planning business model. One firm FI, the other NIFP. This diversifies your business portfolio and reduces the risk of interruption to business operations. Keep a wall between the two.

There is still plenty of revenue to be earned from the FI model. But that is not going to last for ever. It is only a matter of time before the increasingly negative outlook for Financial Intermediation is going to be reflected in exit valuations.

The FCA is placing its crosshairs on ongoing charges levied by FIs.

Consider having a foot in both camps.

Footnotes: What is PESTLE?

Political Factors
Political factors relates to the pressures and opportunities brought by political institutions and to what degree the government policies impact the business.

– Government policies
– Government term and change
– Trading policies
– Funding, grants and initiatives
– Lobbying and pressure groups
– Wars, terrorism and conflicts
– Elections and political trends
– Internal political issues
– Inter-country relationships
– Local commissioning processes
– Corruption
– Bureaucracy

Economic Factors
Economic factors relates to economic policies, economic structures and to what degree the economy impacts the business.

– Local economy
– Taxation
– Inflation
– Interest
– Economy trends
– Seasonality issues
– Industry growth
– Import/export ratios
– International trade
– International exchange rates

Social Factors
Social factors relates to the cultural aspects, attitudes, beliefs, that will affect the demand for a company’s products and how the business operates.

– Demographics
– Media views of the industry
– Work ethic
– Brand, company, technology image
– Lifestyle trends
– Cultural Taboos
– Consumer attitudes and opinions
– Consumer buying patterns
– Ethical issues
– Consumer role models
– Major events and influences
– Buying access and trends
– Advertising and publicity

Technological Factors
Technological factors relates to the technological aspects, innovations, barriers and incentives, and to what degree these impact the business.

– Emerging technologies
– Maturity of technology
– Technology legislation
– Research and Innovation
– Information and communications
– Competitor technology development
– Intellectual property issues

Legal Factors
Legal factors relates to the laws, regulation and legislation that will affect the way the business operates.

– Current legislation
– Future legislation
– International legislation
– Regulatory bodies and processes
– Employment law
– Consumer protection
– Health and safety regulations
– Money laundering regulations
– Tax regulations
– Competitive regulations
– Industry-specific regulations

Environmental Factors
Environmental factors relates to the ecological and environmental aspects that will affect the demand for a company’s products and how that business operates.

– Environmental regulations
– Ecological regulations
– Reduction of carbon footprint
– Sustainability
– Impact of adverse weather

10 Steps: Is Your Financial Adviser A Buying Or Selling Agent?

Steve Conley

Channel 4’s Location Location presenters and property experts, Kirstie and Phil, “… offer practical advice and support to those wishing to find their perfect home. Searching across the country, they hunt for the best deals and locations, from cottages in the countryside to houses in the City, Kirstie and Phil have seen it all.”

Imagine if the rest of the Financial Industry worked like this?

Kirstie and Phil are buying agents. Buying agents typically offer their services at the high-end of the property market with ads like this:

“We’re uniquely placed to help you find your dream home. We source the very best city and country, waterside, character and period properties, most of which are not on the open market. Unlike our competitors we are completely independent, with no affiliation or ties with estate agents, no conflicts of interest whatsoever. Our only loyalty is to you.”

“Unlike estate agents we work for the buyer, not the seller, which puts us in the business of finding out exactly what it is our clients are after.”

Who pays the buyer’s agent their fees or commission?

The short answer is that the buyer pays the buyer’s agent their fees or commission. These fees are generally around 1% to 3% of the purchase price of the property and they are payable when the contract goes unconditional. Some buyer’s agents may charge a small fee upfront or they may charge 50% of the fee upfront. But most buyer’s agents would charge a small fee upfront and then the bulk of the payment will happen when your contract goes unconditional.

If the search was for a £1m property rather than a £500k property, would you expect the fee to be twice as much? If not, there are fixed fee options.

There are buyer’s agents who charge fixed fees of around £5,000 to £15,000 and it really just depends on the buyer’s agent that you go with. But at the end of the day you are going to be paying the buyer’s agent if you are the buyer because the buyer’s agent is working for you in order to help you find, research and purchase a successful property that may be your home or maybe an investment property. So they are working for you, they are generally not getting a commission on the sale of the property and so therefore they are just getting paid by you so they are working for your interest therefore they need to be paid and generally they are going to be paid by you.

If they were to be paid an Estate Agent commission, I’m sure you’d want to know about it in advance, and you’d expect it to be taken into consideration when charging you. If they were to be paid referral fees by law firms, removal firms, surveyors, and the like, I’m sure you’d want to know about that too. It’s the same with the rest of financial services.

How would you feel if they were paid by the Estate Agent a percentage based on the price you pay for the property? How would that influence the price negotiation. And, how would you feel if the Estate Agent paid your adviser a percentage every year you stayed in the property. Would you question it and wonder what that was for?

If the agent published the fee on their website, would that make you feel any better? If they disclosed it in your initial phone call, would that ease your concerns? If they told you that it wasn’t a commission, it is a contingent property search charge, would you feel reassured?

So, here’s my question for this post. Is your Independent Financial Adviser a buying agent or a selling agent?

IFAs call themselves “Independent” which would suggest they are. But all that means is they can act as selling agent for the whole of market, rather than being tied or restricted to just a few product companies. It doesn’t mean they are a buying agent.

All IFAs are financial intermediaries. The truth is, they all hold agency agreements with the product providers whose products they sell. Which makes them selling agents. What’s more, few agree to sign up to voluntary fiduciary duties, which is a legal obligation to put your best interest first. You rarely find the commitment you might see from buying agents in the real estate industry.

IFAs generally take an upfront fee (adviser charge) around 1% to 3% of the product they sell, plus an ongoing charge of between 0.25% and 1% per annum on the product you hold with them.

Some may describe this as a “fixed fee”, when clearly there’s nothing fixed about it. For some the payment is payable when the product is bought (conditional adviser charge), making the advice element appear free.

Lack of transparency on job descriptions, and the bundling of buyer and seller fees and services, could be costing you a small fortune. If you had greater transparency and clarity on whose best interest your adviser serves, yours, theirs or the providers, and a separation of fees and services, you would be well placed to make better decisions.

Wouldn’t it be clearer if there was a wall between advice and product? If someone who said they were an adviser was a buying agent? Someone who said they were an intermediary was a selling agent.

There is little to separate advice (buying) and product (selling) fees or services in the UK retail investment market. Services are bundled. Buying and selling costs are bundled. Invoices are not broken down and itemised. You are told you are paying for one service (buying), then you are charged as if for another (selling).

Seven years after the ban on commissions on UK retail investments, you might think things would be clearer. According to Which?, nine out of ten financial advisers still express their advice fees as a percentage of the products they sell you.

That would perhaps be okay if the adviser was just meant to be selling you a product. But the adviser, or financial planner, is not meant to be selling you product. By definition, they are meant to be selling you advice. Or a plan. Or happiness.

Take a look at what money can’t buy. Then ask yourself if these should be missing from your advice or plan.

“It is good to have money and the things that money can buy, but it’s good too, to check up once in a while and make sure you haven’t lost the things money can’t buy.” – George Lorimer, Publisher.

Imagine this customer proposition from your adviser.

“We’re uniquely placed to help you find your dream life. Unlike our competitors we are completely independent, with no affiliation or ties with product providers, no conflicts of interest whatsoever. Our only loyalty is to you. Unlike selling agents we work for the buyer, not the seller, which puts us in the business of finding out exactly what it is our clients are after.”

One way to find out whether your adviser is an agent for the seller, or the buyer, is to look at the way they are paid. How much are you paying for advice, and how much for product? And, how much can you save on adviser charges by taking a DIY approach to products?

Imagine paying your adviser a fixed fee of £1,000. You opt to go it alone and run your own investment on a DIY website. You choose the cheapest index tracking funds. Check your advice firm will accommodate this. If they do, you can be sure they are a buying agent.

If your investment was £200,000. The initial fee saved is between £1,000 and £5,000. The annual fee saved is between £500 and £2,000. After 25 years, you could put 30% more in your life savings (assumes investment growth of 6% per annum). That’s how important knowing the difference can be!

In this day and age, with all the red-tape and regulation, you might expect greater clarity in charges when it comes to your finances; and you might hope to understand with absolute clarity what it is you are paying for; but the reality stops far short of that. The reality is that despite all the regulatory changes, whether your adviser is acting in your best interests or not is less than clear.

Fees are all bundled up, with lack of clarity and separation over what services you are buying and who is acting for whom.

Many advisers can’t even answer a simple question, like am I paying for advice or the product?

A good financial adviser should make all costs and charges explicit to you at outset. So, you know exactly what you are paying and will pay in the future.

In September 2018, Which? Magazine found that only one in five advisers (20%) publish the full details of their charges on their website. A further 34% gave a rough cost. 46% gave no information whatsoever on their website.

When customers picked up the phone, 87% of advisers were willing to provide details of fees on the initial phone call, 62% without prompting.

But, here’s the thing.

Almost eight in ten advisers (79%) took their upfront advice fee as a percentage of the product purchased. And, almost nine in ten (87%) took their ongoing advice fee as a percentage of the product purchased.

Upfront fees averaged between one and three percent of the investment. Ongoing fees, between a quarter and one percent per annum.

Why should an advice fee be calculated as a percentage of product purchased? On large pots, you would not expect advice fees to rise proportionately. But, in nine out of ten cases they do.

What are they doing for the fee? You’d better be getting a good ongoing service.

To begin with, let us understand the services on offer from a financial adviser. There is the advice, which normally involves a financial plan of some sort. Then there is the product recommendation, brokerage service or intermediation. Then there is the product itself.

Now a vertically integrated firm, one that provides all three services, may quote one combined price. The price you pay may even be contingent on you purchasing a product. You pay on completion of product purchase. They may even describe the advice as free. Not much clarity here!

Intermediaries. Those that provide advice and intermediation. You might expect them to charge a fixed fee for the advice. But as you can see, eight out of ten take a fee based on the percentage of product recommended, and nine out of ten take an annual percentage to run the product for you.

Why does only 10 percent of adviser charges relate to the advice and up to 90 percent of adviser charges have to come from the products they sell you? Perhaps this is the best way to determine whether the adviser is a buying agent or a selling agent. Surely a buying agent would charge a fixed fee!

Here’s an idea I had to restore trust and confidence in the advice industry, for you to trust that you are getting what you pay for with none of those conflicts of interest.

A wall between advice and product.

Explicit disclosure of advice fee and product fee. Clear description and breakdown of service. Clear disclosure on whether your adviser is a buying agent or a selling agent.

Here are 10 things we can do to make financial advice more transparent:

  1. Separate advice and product. A clear wall between advice and product. Clear labels. We do this by having financial intermediaries defined as selling agents, holding agency agreements with product providers. And, non-intermediating financial planners who act as buying agents (buying a better plan, not a product), and not holding agency agreements with product providers, as their clients have decided to go the DIY route.
  2. Advisers banned from running products. Advice firms that put themselves out as buying agents should be banned from running inhouse investment propositions and prohibited from using customer money to run these products. We must end the practice of advisers running products to make money.
  3. Advisers are paid to advise. For buying agents, only 10% of income should come from implementation and ongoing management of those assets under advice or influence. Currently, over 90% does!
  4. Prohibit product providers from having controlling interest in advice firms. If they did, then clearly the firm is a selling agent of the product provider.
  5. Give advice firms a year to decide whether they would become a buying agent or selling agent.
  6. Keep selling agents as regulated. Keep buying agents as unregulated, to keep costs to a minimum and bridge the advice gap.
  7. Ban the use of the term adviser or planner for agents of vertically integrated firms. These agents are clearly selling agents.
  8. Prohibit buying agents from having agency agreements with product providers.
  9. Ban contingent adviser charges. Clearly such charges are contingent selling agent charges, not adviser charges, or in Plain English the Commission that was meant to be banned seven years ago.
  10. Prohibit buying agents from taking initial or ongoing fees as a percentage of assets under advice or influence.

Professional bodies can step up to the plate to hold buying agents accountable to codes and oaths. See my white paper here: https://www.transparencytaskforce.org/market-integrity-team/

Until then, my advice is, find a genuine independent financial adviser who will look after your best interests. Take your time about this. Talk to several. Have them explain every penny of costs involved. Have them explain the breakdown of services to you and their associated charges. Have them prove that your interests are aligned.

 “Unlike intermediaries we work for the buyer, not the seller, which puts us in the business of finding out exactly what it is our clients are after.” – Steve Conley is the founder of the non-intermediating financial planning firm, the Academy of Life Planning.

http://www.academyoflifeplanning.com

Where’s the reset button?

Press Reset!

When to Press Reset: Life Events & Life Plans

When might you need to press that life re-set button? You know, the big red one on the top of your head!

Life events are significant events that occur throughout your life; these can range from the birth of a child, to marriage or getting a new job to even losing a close family member. It is on these occasions that you might want a strategy, a financial life plan – that is, The Game Plan.

Crumbs! Maybe you are just at one of these significant milestones, right now. Or, you know of someone else who is.

Should you leave things to fate?

When you start a new relationship or take an existing relationship to a higher level through cohabitating, marriage or even reconciliation, you may take a moment for deeper reflection on each other’s goals for life. You then knit together a new combined pathway that is inspiring and fulfilling in every way for you both. The process can be worrisome, though seldom does the end-result pull you further apart. On the contrary, it will make you fall further in love. Ahh.

Pregnancy and starting a family. What do your financial plans need to look like as your family grows as you give the greatest opportunity for an amazing life to another? When family planning you need a family plan, right?

Children leaving home. What do you do when the nest is empty and roles change? Apart from throw a party!

Leaving full-time education and staring at the empty canvas. Travel!

Moving home to a new town, county or country. Get to know the neighbours?

When a relationship ends through separation, divorce or bereavement, best laid plans can be laid to waste. Financially they can be devastating, as they are emotionally. That settlement perhaps! This is an ideal time to reflect deeply on what you want for yourself in life. It’s time to reassess and reset your direction. The life plan can include anything even the desire for a new love.

Work changes, for you or your partner, are another great occasion to life plan. Resignation. Redundancy. Getting fired. Retirement. Discharge. End of service. Even if you are unhappy at work. These are fabulous occasions to redesign an inspiring and productive future. Sorry, did I say show the boss a finger?

Major business readjustment when self-employed.

Hitting that mid-life-crisis. Let’s put away the jet-pack for just a minute.

Personal injury or illness for yourself or close family member.

Major changes in financial status through insolvency, bankruptcy or making arrangements with creditors.

Leaving prison and integrating back into society (for good).

All these events have one thing in common. It’s time to start afresh. And, press that reset button.

Why leave it to fate? Take control!

The plan must look at all of you: life, money and work. The plan must help you to enjoy wealth in EVERY area of your life.

The plan typically must increase your wealth – in all areas – ten-fold, and must have nothing to do with the sale of any financial products. You must be the client, not your money. It’s a planner you want, not a sales person.

One plan requires one planner, skilled in all these things. Would you agree?

The options available for you at the Academy of Life Planning are as follows:

  1. Plan yourself – buy the book Your Money or Your Life: Unmask the highway robbers – enjoy wealth in every area of your life (£11.99) and/ or attend Born to Be: The change you wish to see in the world (free) research information on the Academy’s website & blogs (aolp.co.uk), or social media pages and open groups (also free).
  2. Be planned – by an expert and experienced in personal online coaching; from £1,500 (£1,800 for couples); this is one off plan – The Game Plan – created over six 90-minute (120-minute couples) sessions over several months, or
  3. Learn to plan – This is the four-day workshop: Your Money or Your Life Bootcamp! 30 hours in a small group. You learn all the techniques required to repeat the cycle over-and-over again-and-again throughout your lifetime. £3,991.

Steve Conley says, “I’ve invested seven years and over £60,000 in personal training to bring you something that can change your life in days and create a 10-fold wealth improvement in every area of your life.”

“Here’s my guarantee!”

If as a consequence of us working together (options 2 and 3). The Game Plan for you isn’t:

  • Something you agree is doable for you at every step, and
  • Forecasting that you will be one-million-pounds better off by doing it.

Then I’ll refund you the ticket price paid in full.

Now you can’t say fairer than that. What have you got to lose?

We live but a thousand months, many behind us and 200 retired. We can easily be £1,000 worse off for every month that goes by, leaving matters to fate. This time next year you could be £12,000 worse off and looking back wishing you’d invested in yourself sooner.

It’s a financial life plan, called The Game Plan. Enjoyed by hundreds of satisfied AoLP clients.

Isn’t it time you didn’t leave matters to the lap of the Gods? Take matters into your own hands. Sometimes the best investment we can make, is when we invest in ourselves.

For further details:

Buy the book – available to order on Amazon CLICK HERE.

Attend Born to Be – FREE tickets CLICK HERE

Or visit the Aolp website – www.aolp.co.uk

What’s missing from your money?

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Is you!

What’s missing from your money?

Ever since money was invented, humans, unlike any other living species, have to pay to live on earth!

How money comes, how you keep it and how it goes are really important issues for you. You’d like help from people who know what’s best. And you’d really like that helping hand to act in your best interest, right? Well right now, as you read this, such help doesn’t exist.

Not anywhere.

There’s a group of us operating behind the scenes to bring it to you. But it could take us 20 to 50 years to change things.

Until then, assuming we make it till then, how do you cope, what can you do, who can you turn to?

Well that’s what this is about – I call myself the financial life coach, or fiduciary.

What’s that then?

In a fiduciary relationship, one person, in a position of vulnerability, justifiably vests confidence, good faith, reliance, and trust in another whose aid, advice, or protection is sought in some matter. In such a relation good conscience requires the fiduciary to act at all times for the sole benefit and interest of the one who trusts.

To better understand the fiduciary relationship, let me explain where it does not exist, though you would think it might. You’d expect it.

The financial services industry does not offer it. The people who run the industry place profit, their profit that is, before principles. To keep it simple, let’s refer to them as greedy bankers.

Greedy bankers!

I’m doing what greedy bankers would be doing if they weren’t being so greedy.

I call myself a financial life coach. The word Fiduciary is not such a familiar term. It’s not a term you hear every day. Why would it be? Greedy bankers prefer to keep it that way.

I would call myself a financial adviser or financial planner. But those titles are already taken by non-fiduciary financial intermediaries. What I mean by that is product sales people.

Yes, their trade bodies, professional bodies and standards boards refuse to adopt fiduciary responsibilities in their codes of conduct. I know because I reviewed all 70 of them and presented a white paper to British parliament on the subject last year. I’m an ambassador for transparency, the paper is here.

These so-called advisers and planners are simply intermediaries between you and product providers. According to their regulator, the Financial Conduct Authority, they are giving advice on, dealing and arranging deals in and managing … investments. By investment, they mean giving your money to greedy bankers.

They are not … as advertised … advising you.

They treat your money as their client, not you.

They listen to you for 82 seconds before pulling out a brochure about your money.

Then they hand your life savings to greedy bankers.

People at the FCA had good intentions about changing things back in 2013; when under the description Retail Distribution Review, they banned commissions on investments. It all became a bit of a dog’s dinner really, as greedy banker lobbyists stepped in – laid off all the retail advisers – and renamed commission as contingent adviser charges for rich people and distorted the financial markets by exempting St James’ Place as a vertically-integrated firm.

Here’s the thing.

When it comes to financial advice … an investment is seldom the best solution or even an answer to your problem. In fact, in most cases it makes the problem worse.

Let’s see … when it comes to keeping your money safe, you give it away to a greedy banker!

They steal off the top and lie to you about how much they have taken. Don’t believe me? See our submission to British parliament on costs and charges then here.

What if … you invested in yourself instead? You invested the money so you no longer had to trade your time for money. You traded your knowhow instead. You created passive income from which you never had to, or wanted to, retire. You created income from what you know and are good at. What you love to do.

Your money avoids the greedy bankers.

Just in the same way that the best book to change your life if the one you write.

Bet on yourself.

All you’ve got to lose is your best life yet. So, go ahead!

Why is it the advisers and planners never mention that one?

Taking your money away to give to greedy bankers, shackled you to a life sentence on the treadmill of work existence; exchanging time for money, taking the bet you can buy freedom in the last 16 years when your time no longer has any use to them.

You’d like to avoid greedy bankers, yes?

You’d like someone who knows the score and is on your side, yes?

Well that’s the financial life coach.

Handing money over to not-so-greedy bankers, without recourse to layers of slice taking middlemen, is sometimes required to generate real returns on life savings. You are shown how to do this, it’s as easy as online banking.

The truth is. The rewards for investing in yourself mindful of the impact on people and planet can be ten-times more profitably in the long-term; as the firms of endearment studies reveal.

The best place to find a helping hand you can trust is at the end of your own arm.

Why’s this former banker any different?

Maybe, you think life coaches are all fluff and ten-a-penny. Everyone’s a life coach, right? Promising happiness … increased performance … improved relationships … anyone with a bit of NLP training. All useful, I’m sure … for the insignificant goals we set ourselves in our limited prison of conditioned thinking.

That’s not me.

I’m a master life planner with the biggest international life planning institute … I think it also takes insider knowledge of the greedy banker system to fully expand upon your biggest dream and move you along your plan in a physical, practical way in a material world.

Let’s face it. Life coaches miss out the money.

Perhaps you see me as a former financial planner and adviser.

The compliance department asked my firm to remove me from the FCA register as I was inactive. You see you are classed as inactive if after one week you have not handed your client’s life savings to a greedy banker. And inactive advisers have to be removed from the FCA register.

Don’t get me wrong. I’m highly qualified. Chartered Financial Planner, Chartered Insurer, twice winner of the British Insurance and Investment Brokers’ Association’s Broker Prize and twice winner of the Insurance Institute of Manchester’s Jubilee Prize Certificate for my performance by examination.

But if you’re shackling clients to the treadmill by handing over their life savings to greedy bankers once a week …

Let’s face it. Financial intermediaries miss out the client.

Potentially he’s one of those unregulated con men. There’s a £4bn per annum black market in the UK open for scammers of all description that are (deliberately) left out of scope by the UK regulators (they don’t want to upset the City and see their HQs move out of London). Flogging dodgy products. Getting rich at the expense of their clients promising some get rich quick scheme that you see all over the internet. Crypto currency, property management, land, hotel rooms, parking spaces, etc.

Pension busters promising illegal access to your pension pot, falsely claiming they’ve spotted a legal loophole. Taking a chunk in charges. And sticking the balance in some dodgy property backed scheme promising high returns for low risk. It disappears. Then HMRC hit you with a tax bill you are unable to pay.

That’s not me either.

I chase those guys and send them to prison. More about that here. And I’m the CEO of Asset Recovery Network (UK) Limited.

So, who am I?

I am what others are not. I do what others should be doing and don’t. I do it … because no-body else will.

If others were really helping you, there would be no need for what I do.

I make financial life changes for the better for you.

Completely on your side. Protecting you from greedy bankers and their agents.

I open your eyes to the greatest version of yourself.

I unmask the higher-way robbers.

Together, we put in place a solid plan to get you to where you were born to be.

Zero greedy banker products are sold in the process.

You need to be told the truth. You need to be told the secrets the greedy bankers didn’t want me to share.

Practical, down-to-earth, proven, tried and tested on millions around the globe, the best financial life planning system you will ever find.

Here’s my guarantee. If you should find a better one. Let me know. I’d like to shake their hand and pass all my clients to them.

What I do is hard. It’s humiliating, gruelling, punishing, draining, exhausting and most of all expensive for me to deliver. They call me Mr Ethical, the Robin Hood of the investment industry, sometimes even a loser and dreamer. I’ve sacrificed so much … they call me stupid!

I’d be one-million pounds better off had I remained in the banks.

See. Now even you think I’m stupid.

But here’s the thing …

If I don’t do it, who will?

If not me, then who? If not now, then when?

The naysayers say to me: “If I had half the brains you have, I’d be at it too. They’re all at it. It pays, and therefore works.”

I’m not born to be a greedy banker.

I’m born to help you.

When you ignore who you were born to be you suffer pain! Real emotional pain.

Lethal.

Society has many remedies to numb the pain and keep you in the rat-race. TV. Politics. Internet. Games. Drugs. Alcohol. Food supplements. Water additives. Chemtrails … the list goes on.

But, the best remedy is to face the truth.

Be who you were born to be.

What you give away, will be returned ten-fold.

Not just financially. You’ll …

enjoy wealth in every area of your life.

For the next 20 years plus of greedy bankers exploiting people and planet until the millennials arrive on the boards, all you have is me. On your side. Showing you how to beat the system.

You start by attending Born to Be. Tickets here. It’s free.

What’s missing from your money?

You!

Learn more at www.academyoflifeplanning.com

Bitter Bonkers but Brilliant!

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Your Money or Your Life: Unmask the highway robbers … Enjoy wealth in every area of your life!

By Steve Conley

An Author’s View (Warning: I hope you’re feeling socially responsible before reading this book!)

Disgruntled ex-banker with an axe to grind?

At first bitter, then bonkers?

Then the author tells you he wasn’t so much forced out … he left in disgust!

When behind the closed doors in Canary Wharf they made decisions that would sentence 95% of the population to a lifetime of debt slavery!

He has remained an investigative campaigner for transparency ever since. He was made an Ambassador and was awarded the Transparency Trophy for his contribution to improving global market integrity.

Who is this Robin Hood?

Why stick the boot in so hard on bankers, of all people?

Financial institutions are run by Baby Boomers (ages 52 to 71) and a few Gen X (ages 36 to 51). And when it comes to MONEY only 1-in-5 of these guys give a toss about people and planet.

They place profit before principles.

Whereas the majority of Millennials (ages 18 to 35) do care!

Think about it. Board decisions are made by a majority vote. We have another 20 years of this!

And, as Bankers force Millennials to hand over their coffers – hard earned on the mundane treadmill of existence we call the rat race – the stark fact is … they may have no future!

Seriously, another 20 years of bank-rolled warmongering parliamentarians in pursuit of plundering the valuable resources of the planet in some kind of intergenerational theft … what will the world be like in 2040?

At retirement there may be no food, no clean water no air to breathe.

So, what’s the alternative?

Here’s the bonkers bit.

We have to start doing the exact opposite of what they tell us to do.

We have to plan our lives before we plan the money.

We must accumulate … mindful of our impact on others … rather than accumulate mindful of just ourselves. We are co-dependant. We are one with others and the Earth.

Don’t get me wrong! It’s hard work reversing decades, if not centuries, of indoctrinated thinking. The key to our salvation … the key to unlock the truth … is found in an ancient truth that has been with us since the very beginning of time.

It is called the ancient natural cycle from creation to manifestation.

We see it in all our beliefs and traditions. We see it even before Noah – from a time when the Sun rose in the West. We see it in nature.

The author has unearthed this ancient wisdom, packaged the keys to freedom and describes it in his book … in the GAME Plan.

The fact is this. If we take control of our own lives and become responsible and accountable for our decisions

Then

The planet will be saved and the world will know peace.

Reverse your thinking …

Before the Earth reverses its rotation once more.

NOW is the time to act. The future of the species of the planet is in the hands of those alive today. Your hands!

NOW

Before West becomes East.

Notes to the Editor:

“Words that come to mind are Bitter Bonkers but Brilliant.
Let me explain.
First half I come over as this disgruntled ex-banker with a gripe. Second half as bonkers using elements to explain the need to reverse thinking. I can imagine the ridicule now as readers plough through it.
Brilliant … but then you realise he’s on to something … we have 20 years of Baby Booming Bankers before the Millennials arrive. And we might not last that long!

Millennials are compelled to save for the future and hand over their coffers to the greedy bankers … what future?

I’m so pleased that when the fingers are pointed by future generations that I can point to this book … our legacy. “

Steve Conley

Your Money or Your Life! Available from 6th June 2019. Pre-order on Amazon today.

£11.99

Create Your Own Future!

mark twain2

For example, you think you’ve been saving for a happy retirement; when the only one that will get one is your banker.

Create Your Own Sunshine!

Have you ever noticed? Humans have an amazing gift. Everyone has this ability to create and manifest in the world! WOW! 7 billion people, creating and manifesting. What for themselves? HELL NO! That would be chaos.

Humans create for the unaccountable hierarchies of profit and power! This is being civilized!!

How do they do that then?

How would you do it?

Picture this. 250 years ago!

1.       I’d create something called MONEY. Print my promises to pay the bearer on worthless bits of paper and kill off the bartering economy. That’d put a stop to people creating for one another.

2.       Then I’d confiscate the common land with forced clearances around the world. Give the land to my friends and family and force commoners to pay to live on earth. Tell everyone they have to pay MONEY to live on Earth. That would put a stop to people creating for themselves.

3.       Then I’d set up creating farms in the main cities and round everyone up using the incentive of easy MONEY, people from rural areas – those that create their own stuff – and cram them in. I’d call global urbanisation ‘progress’. Then that will get loads of people creating my stuff. And, less creating their own. Anyone holding a dollar a month in their hand we can call ‘saved from poverty’, then point to these statistics to show everyone we are the good guys.

4.       But we wouldn’t want people catching on. So, I’d dumb them down at bit. Add stuff to their diets, water supply and air – stuff that we know will do the trick.

5.       Distract them a little. Get them fighting one another. We can even play the hero, saving them from those on the ‘other side’. It also has the side effect of enabling us to manage population, prevent piles of dead MONEY stacking up. When they’re not living in fear, we’ll entertain them, like the Romans did when they built the Coliseum.

6.       We’ll tag them at birth, give them a birth certificate. We’ll indoctrinate them in schools, rewarding compliance and memory for the farms. Use the certificate to know when they are ripe for the farm, give them a National Insurance number and from then on, tax them to live on earth. We’ll tax those contemplating developing critical thinking, with thirty years of crippling tuition fee debt. OK. So, one in six will fall by the wayside. We’ll hire some of them to police, the rest we’ll give addictive substances to, call them our enemy and make their life hell.

7.       OK. So, we need to fool them into thinking they’re free. Tell them they live in a democracy. Give them a couple of our boys to choose from. We can then blame the general consensus of indoctrinated citizens should anything go wrong.

8.       To make sure they don’t find out about us or the Secret, we’ll buy up all the mainstream media. Publish the distracting stories. Ridicule anyone who looks like they’re waking up from the stuff we feed them.

9.       Let’s not forget. We want them to create for us. So, we’ll set that goal for them. If you ever hear anyone suggesting otherwise, get shot of them fast. We’ll define normal. The goals is: give us your best 50 years on the bet you can buy freedom in the last 16. 

10.   It’s going to be tough as they begin to wake up and notice the destruction of the planet. We’ll use our media to deny it, threaten to remove our tax farms, get people fighting over it. Denial, doubt, distraction, delay. That should do it.

How would you find freedom?

Well I know the Secret. That’s easy. We are creators of our own manifestations. It wouldn’t be chaos if we did it. It would be a Golden Civilization, as my friend George Kinder puts it in “A Golden Civilization and The Map of Mindfulness.”

This is how I would do it:

1.       Help one another. Barter. Become more self-sustainable. Go green. Grow your own. Detox my wallet. Use money less.

2.       Use what little land you know to best effect. Respect Earth. She is our Mother, care for her. Connect with her to ground yourself. Land ownership is mental. That is, it is another bit of paper. The ruler stole it. The new ‘owner’ created greatly for the ruler for the paper and is protected by the ruler in return. Don’t be wedded to property ownership by the general populous of indoctrinated citizens.

3.       With technology, our businesses can become virtual. We can return to the place of our hearts. We no longer need the city farms.

4.       We can choose not to eat, drink and breathe that stuff. The less touched the better!

5.       We are one. Not just one species. We are made up of the same stuff as other species, the planet and each other. We share breath. We share spirit. We share the planet.

6.       Yes, we’re chipped at birth. But that doesn’t stop us from recognizing the diversity of gifts we and our children have. All gifts have a useful purpose, and we were given the gifts so that we can serve others. Gifts are intellectual, physical, emotional and spiritual. Use your gift to heal a small part of world grief. That’s your legacy.

7.       Every unit of currency you spend or invest is a very powerful vote for the change you want to see in the world! Choose wisely.

8.       Today, we have access to uncensored information via the internet. Use it. Your spirit is your intuitive guide. You will know intuitively the truth from the untruth. Your heart will tell you. Stay informed.

9.       Set your own goals. Always! Be the architect of your own life. Be the player, not the pawn.

10.   Find your truth. Breakthrough. Transform. Know the Secret. You are a creator. So, create a life you love. Create the change you wish to see in the world. Create your legacy.

Sounds easier said than done.

No, it’s easier done than said.

Remember, it’s harder to convince someone that they’ve been fooled rather than to fool.

Find out more on Facebook or on our website.
Alternatively, join us at our FREE preview event ‘Born to Be in Harrogate’ on Sunday 24th March 2019.

The Full Secret of Creation to Manifestation

There are four states of human existence:

Mind, Body, Heart, Spirit

mbhs

Spirit: Intuitive nudges, believing in our thoughts, imagination of the possible, inspired thought that you can trust. Then there is the journey from creation to an altered state, a state of inspiration. This is the setting of inspiring goals.

Heart: Feelings. Emotions. Feeling good. Being happy. Feeling joy. Inner seeing. When you visualise you materialise? Secret moves to actions.

Body: Instincts. You ground the vision. You act upon it to receive. We begin put in place the Means in our material world.

Mind: Thoughts. You ask you intend it. Speak of it. You Execute. You manifest the end result.

We are creators. Spirit: Intuit and believe, Heart: feel, Body: act, Mind: think … this is how we manifest our creation.

This is The Secret. The Law of Attraction. They thought it went back 2,000 years. It goes back 14,000 years in Shinto, the ancient philosophy of Japan. They call it the ‘natural cycle from creation to manifestation’. I believe from the drawings on the pyramids in Egypt, Mexico and Tibet that it goes back 26,000 years to Atlantis. Here they divided communities based on the natural cycle from creation to manifestation.

We see it in neuroscience. Spirit is frontal cortex where we judge right from wrong. Left brain is relationship and heart. Posterior cortex governs our body. Left brain our intellect and mind. North. East. South. West. Scientists have proved today what mankind has known for over 26,000 years!

This is the creative process known as the ‘natural cycle from creation to manifestation’. This is the Secret. This is the full and authentic secret that the elite don’t want us to know.

Mind. Thoughts and words are powerful. What we think about we bring about. So, be in the attitude of gratitude for what we have. And, speak about what we intend to be.

If you’ve been in the mind, you will go there in the body. But first it requires belief (spirit) and feeling (heart).

Habituate your way of being.

Take the concept of over-population. There isn’t overpopulation. Everyone on the plant, all seven billion plus, could fit in the City of Coventry. What we’re seeing is urbanisation on the planet over the past 250 years by the controlling elite. Most now live in cities. All now need money to live.

Ownership

Where the elite have confiscated lands and forced the population into cities to work to live. The only species to pay to live on earth is homo sapiens.

There’s enough for everyone.

If all the money was divided by all the people, we would all be millionaires.  But if everyone consumed what the average person consumes, we would need four planets. The problem isn’t over-population or over-consumption. The problem is needless consumption of the scarce resource of our planet.

Mother’s ability to provide for the insatiable hunger of mankind is driven by the consensus of popular indoctrinated opinion. Who indoctrinate? The elite!

We are parasitic and extractive in nature, when we were born to be productive caretakers. When we know that the Universe (God) provides, the world will know peace.

I want you to connect with your intuitive body (Spirit). I want you to conceive a goal that is so big it blows your mind.

Tony Robbins said: “People aren’t inherently lazy, they just fail to set inspiring goals.”

Oprah Winfrey said: ” Goals should be set from Spirit!”

In Spirit, inspire!

When you’re in debt, as 60% of the population are, don’t think about debt. Set up a debt repayment plan then think about prosperity. Don’t be a debt slave to the elite.

When you’re in a job you hate, don’t think about the job you hate. Hating Mondays, loving Fridays for 50 years on the bet you can buy freedom in the last 16 years. The time when you serve no economic purpose. Be free. Now.

Think about gratitude, for what it is about what you do that you love.

For what you have.

Then think about the job you love.

And, start doing it.

35% of the population are wage slaves.

Only 5% are financially free!

Life is meant to be abundant in all areas. Mind. Body. Heart. Spirit. It shouldn’t be a choice of Your Money, or Your Life!

Having outer things doesn’t guarantee what we really want … which is happiness.

The order is Spirit, Heart, Body, Mind. In the natural cycle from creation to manifestation, go for the inner things (Spirit and Heart) first … then the outer things appear (Body and Mind).

We are the creators of our Universe. And, every wish is the Universe’s command.

Take relationship. Love yourself until you overflow. Then you attract love.

Love yourself.

In relationship, only focus on what you appreciate about the other person for 30 days. Appreciate daily.

Your joy, your bliss, lies within you!

What you resist persists!

If you’re anti-establishment become pro-freedom!

Be informed by what’s going on in the world, but don’t be inundated. There are enough problems in the world to go around. We all have our part of world grief to heal. Let others heal where your gifts and talents do not lie.

Energy flows where attention goes. This time, is the first time in history that we have been able to gain knowledge at our fingertips. Now is the time.

You are the designer of your story. You are the author. You are the architect.

Don’t think ‘I’m not’. For every single ‘I’m not’ is a creation.

We’re unlimited beings, we have no ceiling.

Margaret Mead said: “Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.”

Your purpose is what you say it is … it’s what part of world grief you were born to heal. Your mission is what you give yourself.

Follow your bliss. This is the lighthouse that guides you.

Be the best you can be.

Be who you were ‘Born to Be’.

Everything you have been through was the perfect preparation for this moment right now!

We are all creators. Intuit and believe, feel, act, think … this is how we manifest our creation.

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