The UK investment regulator, the Financial Conduct Authority, suggests relaxing sales rules for £90bn in consumer savings to be switched to assets it regulates. The FCA has spotted nearly nine million people holding cash of £10,000 or more, which it describes as “investable assets” (money that could be switched to regulated investments). They suggest that … Continue reading What Kind Of Fools… is the investment industry voting on its own pay? →

The average Brit household faces an unsecured debt of half annual pay, which at minimum payments would take 30 years to repay. But a million consumers are in for a big shock this Spring. I’m writing to highlight that the regulators and bankers are calling in unsecured debt under the guise of doing good - … Continue reading Persistent Debt Regulations Hit One Million Credit Card Holders →

“Ninety percent of people seem to live ninety percent of their lives on cruise control, which is to be unconscious,” according to Richard Rohr, the author of Falling Upwards. The problem with surveys is that whatever the majority says is the truth. The problem when researching wellbeing when asking the public what the essential elements … Continue reading The Sixth Wellbeing Essential →

“There are fields, Neo, endless fields where human beings are no longer born. We are grown... What is the Matrix? Control. The Matrix is a computer-generated dream world built to keep us under control in order to change a human being into this [showing a battery].” - Morpheus The Game Plan is as we say … Continue reading Release From Captivity: By Following The Framework →

The Wealth Strategist: Cash Flow Planning For The Great Level Up Are you a financial professional who wants to help those made poorer by the pandemic? Britain’s wealth gap ballooned after two punishing years of covid on top of a decade of harsh austerity. A lack of spending opportunities forced the wealthiest families to save; … Continue reading The Wealth Strategist: The Business Of Building Back Better →

The SM Builder Transitioning from financial planner to non-intermediating financial planner is not about simply removing intermediation. Successful firms offer services 100-times greater than before. Here are eleven changes a financial planner needs to consider to succeed. Firstly, members of the Academy ask their clients what an ideal life would look like. We then put … Continue reading 11 Steps For A Financial Adviser To Take To Become A Life Planner →

Here's a shocking statistic: Over 30 million people, ten per cent of the workforce, have quit their jobs so far this year in the US. It's called "The Great Resignation". They are starting new businesses, joining the trillion dollars' gig economy' or following their passion and purpose in other ways. Millions more join the entrepreneur … Continue reading The Great Reset: Are Financial Planners Missing A Massive Opportunity? →

Work Scrap Heap In future, automation, globalisation, living wage constantly throws mid-skilled workers on the scrap heap. Whole industries will obsolesce. People will need to reinvent themselves repeatedly, often involving an intense period of exploration, experimenting, innovating, prototyping, and re-skilling. People must frequently fund these valleys of transformation from savings as they explore exciting possibilities … Continue reading Upgrade Your Financial Planning Model: Version 3.0 to 5.0. →

Financial Life Planning Were you once a financial planner? Do you enjoy working with people, but not the regulation? Do you feel you have a few more years left in you? Could you do with the extra money? If yes, setting up as a Non-Intermediating Financial Planner could be for you. When you remove products … Continue reading Ten Things You Need To Know To Be A Non-Intermediating Financial Planner →

The Happiness Navigator - HapNav Our mission at the Academy of Life Planning is to make you happier, healthier, and better equipped to face the future – whatever it holds. So, I’m excited to announce that The Happiness Navigator (or HapNav, as we call it) is live. HapNav is a financial planning tool for DIY … Continue reading A New Movement In Financial Planning →