Three-quarters of employees are now cutting back on routine healthcare because of the cost of living. That should stop us in our tracks. This is not just about people delaying a dental appointment, skipping an eye test, or putting off physiotherapy. It is a warning sign that financial pressure is spreading into every area of … Continue reading When Money Worries Become Health Worries: Why Income Security Is a Whole-Person Issue
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When You’re Told to Get Legal Advice — But Can’t Afford It
When You’re Told to Get Legal Advice — But Can’t Afford It Some of the people who need legal advice most are the very people least able to get it. A settlement arrives. There is a confidentiality clause. You are told you cannot discuss it. You cannot share it. You cannot talk openly about what … Continue reading When You’re Told to Get Legal Advice — But Can’t Afford It
By the Time the FCA Writes the Warning Letter, the Shirt Has Already Done the Selling
By the Time the FCA Writes the Warning Letter, the Shirt Has Already Done the Selling The Financial Conduct Authority’s warning to football clubs over sponsorship deals with unauthorised financial firms raises a much bigger question than football sponsorship. It asks us to look at how trust is created, transferred and monetised before most people … Continue reading By the Time the FCA Writes the Warning Letter, the Shirt Has Already Done the Selling
Lessons Learnt: Agency Restoration, Narrative Harm, and the Role of the Total Wealth Planner
Today’s events brought an important lesson into sharp focus. The greatest risk during periods of complexity, stress, or change is not always lack of information. It is the loss of agency. This matters deeply for Total Wealth Planners because people rarely lose agency all at once. It is often eroded gradually by complexity, professional authority, … Continue reading Lessons Learnt: Agency Restoration, Narrative Harm, and the Role of the Total Wealth Planner
Nearly One Million Young People Are Stuck Outside Work and Education. We Need a First Step Back to Agency.
The app is here, accessible for all and available free of charge: http://www.get-secure.app It will not solve everything. But it may help someone take the first step from drift to direction. Nearly one million young people in the UK are not in education, employment or training. Alan Milburn’s recent review into young people and work … Continue reading Nearly One Million Young People Are Stuck Outside Work and Education. We Need a First Step Back to Agency.
One Mission. Four Doors.
Restoring human agency in financial and life decisions — through human support, AI-assisted systems, practitioner training, and safe recovery after financial harm. There is a simple idea sitting at the heart of the Academy of Life Planning. People do not need more systems that make them dependent. They need systems that help them recover their … Continue reading One Mission. Four Doors.
The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
For years, policymakers, regulators, pension providers, and financial institutions have worried about the "advice gap." How do we get more people saving? How do we encourage better pension outcomes? How do we help people invest for the future? These are important questions. But they overlook a more fundamental reality. You cannot save money you do … Continue reading The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
Introducing Get Secure: The Bridge to Freedom
For more than a decade, I have been asking a simple question. Why is it that the people who most need high-quality planning are often the people least able to access it? Traditional financial planning has largely been built around people who already have assets, investments, pensions, and wealth to manage. Yet millions of people … Continue reading Introducing Get Secure: The Bridge to Freedom
KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
KPMG's AI in Finance 2026 report concludes that AI is moving from an experimental technology to a core operating capability, with 76% of organisations now using AI in financial planning and 71% reporting that it meets or exceeds ROI expectations. The greatest benefits are not coming from cost reduction or automation alone, but from improved … Continue reading KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
AI may be the most scalable anti-poverty and anti-dependency tool humanity has ever created.
AI Is Not Replacing Human Capital. It Is Multiplying It. For decades, economists have argued that human capital is one of the most important sources of wealth creation. The term "human capital" refers to the knowledge, skills, experience, health, creativity, motivation, relationships, and capabilities that allow people to create value in the world. It is … Continue reading AI may be the most scalable anti-poverty and anti-dependency tool humanity has ever created.
