When Faster Complaint Resolution Becomes a Weaker Measure of Justice The Financial Ombudsman Service has appointed Jenny Simmonds as permanent chief executive and James Dipple-Johnstone as permanent chief ombudsman, after both had occupied the positions on an interim basis since February 2025. The announcement praised improvements in operational performance. In particular, the Financial Ombudsman Service … Continue reading Industry Story No. 2: When Faster Complaint Resolution Becomes a Weaker Measure of Justice
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Is SJP Redesigning the Value of Advice—or the Economics of Intermediation?
St James’s Place is changing how it pays its advisers. From March 2027, ongoing advice remuneration that was previously paid annually will be distributed monthly. Partners will receive a transitional payment to bridge the change, while remuneration relating to mortgages and individual protection is also being revised. SJP says the changes will give partners smoother … Continue reading Is SJP Redesigning the Value of Advice—or the Economics of Intermediation?
Planner Story No. 1: The Financial Adviser Who Discovered Clients Would Pay to Become More Capable
Planner Story No. 1 The Financial Adviser Who Discovered Clients Would Pay to Become More Capable After more than twenty years in financial advice, Mushtaq Jaigirdar faced a question many experienced advisers quietly carry: would people still value his expertise if it was no longer attached to products, portfolios or permanent dependency? The breakthrough did … Continue reading Planner Story No. 1: The Financial Adviser Who Discovered Clients Would Pay to Become More Capable
When Access to Justice Depends on Access to Capital
Justice for Whoever Can Afford the Process? A lawyer recently shared a story about a litigant in person who arrived in court convinced that an AI system had already proved his case. The AI had apparently identified multiple causes of action, described the matter as complex and encouraged the claimant to believe he had a … Continue reading When Access to Justice Depends on Access to Capital
Agency Story No. 1: The Widow Who Didn’t Need Another Financial Adviser
Success should not always mean client retention Our inner circle discussed yesterday the example of a recently widowed client who initially lacked the confidence to manage her finances. After 18 months of patient explanation and practical support, she became capable of managing them independently. The planner became progressively less necessary. That is not a failed … Continue reading Agency Story No. 1: The Widow Who Didn’t Need Another Financial Adviser
Why Agency Is Preferable to Advice
The purpose of a Total Wealth Planner is not to become indispensable. It is to make the individual progressively more capable of navigating life without unnecessary dependence on any expert—including themselves. Advice creates dependency. Agency builds capability. A good adviser solves today's problem.A Total Wealth Planner helps someone solve tomorrow's problem themselves. Advice transfers decisions. … Continue reading Why Agency Is Preferable to Advice
The Government Wants Finance to Drive Growth. But Finance Does Not Create Wealth on Its Own
Restoring human agency in a structurally untrustworthy system The Government says it wants growth. Few would disagree with the objective. Britain needs greater productivity, stronger businesses, higher incomes and sustainable public finances. The more important question is: What actually causes an economy to grow? The Government’s Financial Services and Markets Bill appears to begin with … Continue reading The Government Wants Finance to Drive Growth. But Finance Does Not Create Wealth on Its Own
Don’t Just Optimise for AI. Build the Capability AI Will Recommend.
Every organisation seems to be asking the same question. "How do we get AI to recommend us?" It's the wrong question. The better question is: What are we teaching AI about who we are? Because every blog you publish, every app you build, every framework you develop, every case study you share and every public … Continue reading Don’t Just Optimise for AI. Build the Capability AI Will Recommend.
Introducing GiftFlow™: Restoring Human Agency, One Gift at a Time
Today we're delighted to announce the launch of GiftFlow™, the latest addition to the Academy OS ecosystem. GiftFlow is available now at: https://gift-flow.app/ GiftFlow exists for one simple reason. Most families don't struggle because inheritance tax law is complicated. They struggle because the evidence disappears. Seven years of gifts.Bank transfers spread across multiple accounts.Regular support … Continue reading Introducing GiftFlow™: Restoring Human Agency, One Gift at a Time
When the Investigator Becomes the Target – Part II
A contemporaneous record of events following my involvement with Safe or Scam Steve Conley Why I am publishing this For several years, various websites, anonymous online reviews and social media posts have made serious allegations about me following my involvement with an organisation called Safe or Scam. Some of those allegations accuse me of operating … Continue reading When the Investigator Becomes the Target – Part II
