Why Success Today Can Blind You to Opportunity Tomorrow There’s a pattern emerging across the advice profession right now that deserves thoughtful attention — not alarm, not hype, just clarity. In recent conversations with advisers internationally, one theme keeps surfacing: many advisers are earning more than ever and working less than before — so change … Continue reading From Financial Planner to Total Wealth Planner
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The AI Tipping Point for Financial Planners — And What Comes Next
A recent leader column in Money Marketing by Tom Browne captures a pivotal moment for the profession: artificial intelligence is already embedded in advice workflows, yet governance, training, and regulatory clarity are lagging behind. This isn’t a future trend. It’s a structural shift already underway. Below is a strategic reading of what the article signals … Continue reading The AI Tipping Point for Financial Planners — And What Comes Next
Why the Future of Financial Planning Belongs to Human Capital Thinkers
A strategic briefing for planners approaching the transition toward Total Wealth Planning The Hidden Asset Most Financial Plans Ignore Traditional financial planning models are built on a narrow definition of capital: money, markets, and measurable returns. Yet research shows that human prosperity is actually driven by a broader set of capabilities—health, cognition, emotional regulation, and … Continue reading Why the Future of Financial Planning Belongs to Human Capital Thinkers
The Regulation Illusion: Why “Authorised” Doesn’t Always Mean Lower Risk
Many thoughtful professionals share a common concern when considering whether to refer clients to a non-regulated financial planning service: “If it isn’t regulated, it must be riskier.” It’s an understandable conclusion. Regulation feels like protection. It signals oversight, standards, and accountability. But when examined through a professional risk lens rather than a psychological comfort lens, … Continue reading The Regulation Illusion: Why “Authorised” Doesn’t Always Mean Lower Risk
Only 19% Would Use an Adviser — Why This Headline Doesn’t Mean What the Industry Thinks
A new headline reported by Financial Planning Today claims that only 19% of people would use a financial adviser. Predictably, the industry response is already forming: we need more trust campaigns, more education about advice, more marketing to rebuild confidence. That interpretation is wrong. Not slightly wrong. Structurally wrong. Because the statistic is not a … Continue reading Only 19% Would Use an Adviser — Why This Headline Doesn’t Mean What the Industry Thinks
The Missing Asset in Most Financial Plans — And Why AI Is About to Expose It
If your financial plans don’t measure human capital, they’re not complete plans. They’re partial forecasts. For decades, traditional advice models have focused almost entirely on financial capital: pensions, ISAs, investments, protection products. That made sense in a world where modelling tools were limited and client data was sparse. But a growing body of research — … Continue reading The Missing Asset in Most Financial Plans — And Why AI Is About to Expose It
The Quiet Crossing: Why Respected Professionals Are Publicly Stepping Into Total Wealth Planning
There is a moment in every industry shift that rarely makes headlines. It isn’t when commentators predict change.It isn’t when technology launches.It isn’t even when regulators announce reforms. It’s when respected insiders begin moving — calmly, visibly, and without drama. That moment is now happening in financial planning. Across LinkedIn and professional forums, established practitioners … Continue reading The Quiet Crossing: Why Respected Professionals Are Publicly Stepping Into Total Wealth Planning
The Fastest Way to Future-Proof Your Income as a Financial Professional — Without Leaving Your Current Role
The financial profession is changing faster than at any point in its history. Technology is accelerating.Regulation is tightening.Margins are compressing.Clients are questioning value. And beneath all of that sits a deeper truth: The model that built yesterday’s careers will not build tomorrow’s security. For many professionals, the instinctive response is to consider a full career … Continue reading The Fastest Way to Future-Proof Your Income as a Financial Professional — Without Leaving Your Current Role
Why Financial Planners Must Integrate Human Capital Into Lifetime & Succession Cash-Flow Planning
Lessons from Three Major Studies Most Planners Overlook Financial planning that ignores human capital is structurally incomplete.If your models focus only on assets, withdrawals, and investment returns, you are planning around the reservoir—not the spring that fills it. Modern research across economics, development theory, and organisational science converges on a single conclusion: Wealth is generated … Continue reading Why Financial Planners Must Integrate Human Capital Into Lifetime & Succession Cash-Flow Planning
AI Isn’t Replacing Advisers. It’s Replacing Intermediation.
Recent market tremors tell a revealing story. When news broke that Altruist launched an AI-driven planning engine capable of generating personalised strategies in minutes, investors reacted instantly. Share prices across major wealth firms — including St James’s Place, AJ Bell, and Quilter — fell sharply. The market’s response wasn’t about one tool.It was about what … Continue reading AI Isn’t Replacing Advisers. It’s Replacing Intermediation.
Academy of Life Planning 