The direct-to-consumer (D2C) investment market outlook in the UK for 2023 is positive, with continued growth expected. The availability of low-cost investment products, the accelerated adoption of digital investment platforms, and the increasing demand for ESG investments drive this growth. However, investors should consider their investment goals and risk tolerance before making investment decisions. The … Continue reading The Future of the Regulated Investment Advice Market: A Shift Towards Direct-to-Consumer Platforms and Advice-Only Services? →

Look… I'm an ambassador for transparency! Should I flag the need for greater transparency, accountability, and consumer protection in the financial advice industry? Many may agree that these issues must be addressed to improve the industry's reputation and better serve clients. However, some may feel that criticism of the industry is unwarranted or unfair, mainly … Continue reading Why We Need to Ask Why: The Importance of Questioning the Investment Industry and Government →

The truth is, financial service industry propositions are designed for rich people. In a rich people money ecosystem, the bucket is overflowing, the expenditure taps are full on, the financial asset well is full, and the frozen asset freezer is stocked to the hilt. Firms offer to run the well for a handsome fee that, … Continue reading The Harsh Reality: The Financial Industry’s Blindness to the Non-Rich Majority →

The consumer revolution is forcing advisory firms to re-evaluate their business models, and the prospect of increasing the threshold levels for new and existing clients is being actively considered. However, the urgent need to serve the underserved and comprehend the unmet requirements of our target demographic is of paramount importance. The crucial priority for this … Continue reading Transforming Financial Planning with Fintech: Embracing a New Business Model to Serve All Consumers →

As an advice-only financial planner, you constantly seek ways to stay ahead of the competition, develop your skills, and provide the best possible service to your clients. If you want a comprehensive and effective way to take your business to the next level, our annual membership programme may be just what you need. With our … Continue reading Accelerate Your Financial Planning Business with Our Annual Membership Programme →

Let's face it; not all financial advisers are created equal. It's like trying to choose between two different ice cream flavours – one may be likeable, but the other is kind. Sure, reasonable people skills are essential, but they don't necessarily indicate that the adviser has your best interests in mind. If you're going to … Continue reading Financial adviser: Trusted or Trustworthy? →

What would a proper financial planning process look like if the only motive was to help the client on their psychological journey? Human psychological development generally refers to the changes in cognitive, emotional, and social abilities and behaviour that occur throughout life. It is often divided into several stages, including: Infancy (birth to 2 years) … Continue reading Ethical Financial Planning for Prosperity and Peace →

The safe drawdown rate refers to the maximum rate at which an investor can withdraw money from their investment portfolio without running out of money. The 4% rule, which states that an investor can withdraw 4% of their initial investment balance each year, adjusted for inflation, has been widely accepted and supported by evidence and … Continue reading How to Optimise Your Investment Portfolio by Understanding Provider Charges →

Are you a millennial seeking a financial solution that fits your tech-savvy lifestyle? With over £50 trillion poised to be inherited by your generation, it's crucial to find a way to effectively manage your wealth. In this blog, we'll discuss the challenges millennials face in financial planning and provide an innovative solution to meet the … Continue reading Financial Planning for Tech-Savvy Millennials: The Future of Wealth Management →

As financial philosophers, we look at the remaining years of our lives and ask – what would be a life of most significance? We plan that. We consider all of us – it's called the whole person paradigm. Financially we need enough for basic needs to be met – physically, mentally, and emotionally. We live … Continue reading What is the beautiful work of a certified life planner? →