Where do you think helpful financial support crosses the line into dependency? We extended life. But we did not redesign financial planning around it. That is the central argument in Simon Chan’s recent article on how longer lives are changing what people need from financial advisers. It is an important argument, and much of it … Continue reading Longer Lives Need Better Navigation — Not Longer Dependency
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When the Trusted Adviser Is Not the Adviser
You Checked the FCA Register. You Were Still Scammed. From Advice to Agency A message arrives on WhatsApp. The sender appears to be a regulated financial adviser. They use the adviser’s real name, photograph, FCA registration number and company details. They recommend an investment. They create urgency. They tell you where to transfer the money. … Continue reading When the Trusted Adviser Is Not the Adviser
The Story May Be True. The Narrative May Still Be Misleading.
[Based on The Career Change Newsletter from St James's Place, August 2026.] How the BIG Checker helps prospective recruits examine career success stories before making life-changing decisions At first glance, the story is inspirational. A young woman begins as a part-time administrator in a financial advice practice. She joins the St. James’s Place Financial Adviser … Continue reading The Story May Be True. The Narrative May Still Be Misleading.
Bitcoin Was Not Hacked. But That Does Not Mean the System Worked.
A balanced perspective for investors—and a warning to advisers being swept along by the “moonboy” narrative Bitcoin inspires unusually polarised thinking. To its strongest advocates, it is digital gold, an escape from monetary debasement and a decentralised alternative to a financial system they no longer trust. To its strongest critics, it is a speculative token … Continue reading Bitcoin Was Not Hacked. But That Does Not Mean the System Worked.
Same Expertise. Different Price.
Same Expertise. Different Price. The Academy of Life Planning has launched a new Cost Comparison Calculator to show what happens when the same level of professional expertise is priced in two very different ways. A Chartered Financial Planner can work in two fundamentally different models. As a conventional financial adviser, they may charge an ongoing … Continue reading Same Expertise. Different Price.
Citizen AI in the Insurance Market: Why We Need Countervailing Agency Infrastructure
The Insurer Has AI. Who Is Sitting on Your Side of the Table? Artificial intelligence is beginning to reshape insurance. Insurers are using it to price risk, assess claims, detect fraud, automate customer service, monitor behaviour and distribute products more efficiently. Source: How AI will reshape the economics of insurance: A CEO’s guide to strategy, … Continue reading Citizen AI in the Insurance Market: Why We Need Countervailing Agency Infrastructure
When Clients Become Assets: What the £4m SJP Court Dispute Reveals
SJP partners in court over £4m client bank sale dispute A £4 million court dispute between St James’s Place partners has cast an uncomfortable light on the trade in so-called “client banks”. Helen Rogers alleges that the portfolio of around 800 clients she acquired from retiring partners contained serious problems, including clients who had not … Continue reading When Clients Become Assets: What the £4m SJP Court Dispute Reveals
Financial Iceberg: ChatGPT Exposes Hidden Truths
Today I came across this post on LinkedIn: I ACCIDENTALLY UNLOCKED "GOD MODE" IN CHATGPT,AND IT STARTED TEACHING ME THINGS I DIDN'T KNEW EXISTED.HERE ARE THOSE 7 CHATGPT PROMPTS THAT WILL CHANGE EVERYTHING FOR YOU:Forbidden Wisdom DecoderPrompt:What are the lesser-known, under-the-surface truths about [insert topic/field] that are rarely shared publicly because they challenge mainstream thinking? … Continue reading Financial Iceberg: ChatGPT Exposes Hidden Truths
The Academy Community Is Now Live on WhatsApp
Most people do not need a financial adviser beside them all the time. They need the right tools, somewhere trustworthy to ask questions, and access to an independent second brain when life becomes complex, stressful or uncertain. That is the thinking behind the new Academy of Life Planning Community on WhatsApp, now open to all … Continue reading The Academy Community Is Now Live on WhatsApp
Do You Understand the Business Model Behind Your SJP Advice?
A clarity check for more than one million St. James’s Place clients Your adviser may know your family, your ambitions and your worries. They may have helped you through retirement, bereavement, a business sale or a difficult investment decision. You may trust them—and that trust may be well deserved. But there is another question worth … Continue reading Do You Understand the Business Model Behind Your SJP Advice?
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