In light of recent proposals by financial institutions like Phoenix Group, which suggest raising pension contributions from 8% to 12%, it is imperative to assess the broader implications of such measures, especially amidst a gripping cost-of-living crisis. While ostensibly aimed at securing a stable financial future for retirees, these calls for increased contributions risk deepening … Continue reading Rethinking Retirement: A Call for Innovation Over Increased Contributions
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Happy Financial Advisers: Optimal Asset Strategies for Retiring From Regulated
Let me show you the tools of Holistic Financial Planning and apply them to a Financial Intermediary as a client. The Master Framework is called the GAME Plan; Goals and Actions Means Execution. There are planning frameworks within the framework. For simplicity, we joined the conversation at M for Means. Here, we have the adviser's … Continue reading Happy Financial Advisers: Optimal Asset Strategies for Retiring From Regulated
Balancing Act: The FCA’s Proposed Public Naming Policy and Its Impact on Firms and Consumers
The Financial Conduct Authority (FCA) in the UK finds itself at a crossroads, wrestling with the delicate balance of transparency and confidentiality. Recently, the FCA proposed changes to its current policy, which would involve publicly naming firms and individuals at the very start of an enforcement investigation. This bold step aims to enhance market integrity … Continue reading Balancing Act: The FCA’s Proposed Public Naming Policy and Its Impact on Firms and Consumers
Holistic Financial Planning: The New Paradigm in Personal Wealth Management
In a rapidly changing financial landscape, the traditional methods of planning are being overtaken by a more comprehensive approach known as holistic financial planning. Unlike conventional strategies that primarily focus on financial assets, holistic planning considers the entire spectrum of an individual's tangible and intangible assets. It's a philosophy that integrates the facets of mind, … Continue reading Holistic Financial Planning: The New Paradigm in Personal Wealth Management
Redefining Retirement: Embracing a Holistic Approach to Financial Resilience
Shifting the Focus: From Enriching Bankers to Fostering Sustainable Livelihoods for All In recent discussions within the financial sector, see FT Adviser 'Retirement needs to be considered in the wider picture of financial resilience', a prevalent narrative pushed by many bankers and supported implicitly by governmental actions is the utilisation of pension funds to bolster … Continue reading Redefining Retirement: Embracing a Holistic Approach to Financial Resilience
Unmasking the Highway Robbers: New Strategies at Companies House to Safeguard Your Wealth
Introducing ECCTA In an era where financial security is paramount, the Academy of Life Planning emphasises not just the importance of wealth in every area of life but also the necessity of vigilance against the insidious threat of economic crime. The newly implemented Economic Crime and Corporate Transparency Act 2023 (ECCTA) introduces robust measures aimed … Continue reading Unmasking the Highway Robbers: New Strategies at Companies House to Safeguard Your Wealth
Rebirth at Sixty: The Cultural Significance of Kanreki (還暦) in Japanese Tradition
Kanreki is a traditional Japanese celebration that marks a person's 60th birthday. This significant milestone is based on the ancient East Asian sexagenary cycle, which completes a full cycle every 60 years, meaning that a person who reaches the age of 60 has completed one full cycle of the zodiac calendar. The term "Kanreki" literally … Continue reading Rebirth at Sixty: The Cultural Significance of Kanreki (還暦) in Japanese Tradition
Filling the Support Gap in Financial Services: An Affordable Path for Everyone
In the financial advisory sector, there's a common narrative that 95% of the UK population does not receive financial advice annually, primarily due to limited wealth and high adviser thresholds. This phenomenon is often labelled as "the advice gap." I propose a different perspective: this isn't an advice gap; it's a "support gap." Redefining the … Continue reading Filling the Support Gap in Financial Services: An Affordable Path for Everyone
The Courage to Choose Integrity Over Profit: A Reflection on Financial Transparency and Consumer Advocacy
Visit: https://www.theenoughisenoughmarchforjustice.org/ Twelve years ago, I made a decision that dramatically altered the course of my professional life. After years of working in a lucrative position within the financial sector in the City of London, I chose to depart from a path lined with personal financial gain to one that aligned more closely with my … Continue reading The Courage to Choose Integrity Over Profit: A Reflection on Financial Transparency and Consumer Advocacy
Bridging the Real Retirement Gap: A Blueprint for Sustainable Livelihoods
In the UK, an alarming trend is emerging among those nearing retirement. Nearly 1.2 million adults aged 60 to 65 are entrenched in poverty, marking the highest poverty rate for any adult age group. This demographic is caught in a precarious 'cash flow valley'—a period too young for state pensions but often too old to … Continue reading Bridging the Real Retirement Gap: A Blueprint for Sustainable Livelihoods
Academy of Life Planning 