Lessons for Financial Planners Aspiring to Become Total Wealth Planners For decades, financial planning has been built around financial capital: portfolios, products, performance and projections. Yet one of the most consistent findings in economic research tells a different story. Human capital—not financial capital—is the primary driver of long-term prosperity. A 2012 study published in the … Continue reading Why the Future of Financial Planning Is Human Capital-Led
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Lessons for Citizen Investigators: What the Psychology of Scams Really Teaches Us
Why understanding harm matters more than spotting tricks. In 2009, the Office of Fair Trading commissioned a major piece of research into the psychology of scams. It was rigorous, humane, and ahead of its time. It also quietly disappeared. Not because it was wrong — but because it was inconvenient. For anyone involved in Get … Continue reading Lessons for Citizen Investigators: What the Psychology of Scams Really Teaches Us
Untethering Action: Why Insight Alone Isn’t Enough — and How AI Can Help Clients Lift Off
One of the quiet frustrations in financial planning is this:many clients understand what needs to change — yet still don’t move. The motivation is there.The logic is sound.The desire for a better future is real. And still… nothing happens. Insight isn’t the problem — overload is At a recent professional session, a powerful analogy was … Continue reading Untethering Action: Why Insight Alone Isn’t Enough — and How AI Can Help Clients Lift Off
An Invitation to Experience the GAME Plan
Why AI GAME Plan v3.5 Is Being Shared Freely with the Academy Community For a long time, I’ve tried to explain the GAME Plan. I’ve explained the framework.I’ve explained the methodology.I’ve explained how it differs from traditional financial planning. And yet, something kept nagging at me. Because the truth is this: The GAME Plan can’t … Continue reading An Invitation to Experience the GAME Plan
Agentic AI: Liberation Tool or the Next Layer of Invisible Intermediation?
Artificial intelligence is about to become your new financial intermediary. Not in a branch.Not in a suit.Not even on a Zoom call. But embedded quietly inside the apps, platforms, and “smart assistants” that will soon recommend what you save, what you invest, what you insure, what you borrow — and eventually what you do with … Continue reading Agentic AI: Liberation Tool or the Next Layer of Invisible Intermediation?
From “Safetyism” to Sovereignty: Why the UK’s Capital Markets Don’t Have a Risk Problem — They Have a Trust Architecture Problem
An Academy of Life Planning perspective on deregulation, retail investing, and what citizen investigators and future Total Wealth Planners need to understand now. Executive Summary The Investment Association’s call to defeat UK “safetyism” frames post‑crisis consumer protections as an obstacle to growth. But this diagnosis misses the real issue. People aren’t irrationally risk‑averse. They are … Continue reading From “Safetyism” to Sovereignty: Why the UK’s Capital Markets Don’t Have a Risk Problem — They Have a Trust Architecture Problem
AI Is Taking Jobs — But It Can Also Create Wealth. The Choice Is Ours.
Why the Total Wealth Plan is the missing bridge between technological disruption and human empowerment. Introduction: The Alarm Bell Britain Can’t Ignore According to business editor Jon Rees at The Times, artificial intelligence is now costing more jobs in the UK than it is creating. Research from Morgan Stanley found that UK firms using AI … Continue reading AI Is Taking Jobs — But It Can Also Create Wealth. The Choice Is Ours.
Why the Hybrid Total Wealth Planner Will Win in the Age of AI
And why the future of planning is human-led, AI-powered, and life-first Artificial intelligence is changing everything. It can draft emails.Build financial models.Summarise documents.Generate plans in seconds. And yet… It still can’t decide what kind of life is worth building.It can’t sit with someone in grief.It can’t hold moral complexity.It can’t help a human being choose … Continue reading Why the Hybrid Total Wealth Planner Will Win in the Age of AI
Cross the Bridge: Join the Total Wealth Plan Beta and Shape the Future of Planning
The future of financial planning isn’t product-led.It isn’t adviser-centric.And it definitely isn’t built around hourly dependency. It’s client-empowered, AI-supported, and life-centred. And it’s already happening. If you’re a financial adviser standing at the bridge between the old model and what comes next, this is your invitation to help shape it — and to stay meaningfully … Continue reading Cross the Bridge: Join the Total Wealth Plan Beta and Shape the Future of Planning
“I Didn’t Have a Mental Health Problem. I Had a Lloyds Problem.”
There is a crucial truth that almost no safeguarding framework, regulator, or victim support service is willing to name. Most victims of financial wrongdoing do not develop suicidal thoughts because they are mentally ill. They develop them because they are being actively crushed by an unresolved injustice that will not stop. As one survivor put … Continue reading “I Didn’t Have a Mental Health Problem. I Had a Lloyds Problem.”
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