“Wealth is not what you have—it’s what you grow in yourself, your family, and your community.” As holistic wealth planners, we know that prosperity is more than numbers on a balance sheet. It’s about empowering people to thrive in every dimension of life—financially, socially, emotionally, and spiritually. Yet the reality is stark: inequality is rising, … Continue reading Reducing Inequality, Building Sustainable Prosperity: Lessons for Holistic Wealth Planners
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Why become a Holistic Wealth Planner professional?
The Holistic Wealth Planner (HWP) pathway is designed for professionals who want to redefine financial planning for the 21st century. Unlike product-driven advice, Holistic Wealth Planning is client-centred, transparent, and empowerment-focused, equipping you to help people align their money with their values, purpose, and well-being. As a Holistic Wealth Planner, you’ll gain the skills, tools, … Continue reading Why become a Holistic Wealth Planner professional?
📰 From Headlines to Justice: How Citizen Investigators Can Use AI to Track Their Cases
“Information is power — but only if you can keep hold of it.” One of the biggest frustrations for victims of financial exploitation is that stories flare up in the news and then… nothing. Months go by. Updates are hidden behind paywalls or buried in regulatory filings. By the time the next development surfaces, it’s … Continue reading 📰 From Headlines to Justice: How Citizen Investigators Can Use AI to Track Their Cases
FCA Opens Door to Adviser Charging for Targeted Support – But Who Will Pay?
The Financial Conduct Authority (FCA) has on Friday published its latest consultation paper (CP25/26), opening the door for adviser firms to charge consumers for “targeted support”. This new category of regulated activity is pitched as a middle ground between full financial advice and generic guidance, aimed at helping millions of people who may not be … Continue reading FCA Opens Door to Adviser Charging for Targeted Support – But Who Will Pay?
📉 Consolidation or Collapse? What Deauthorisations Mean for Holistic Wealth Planners
A new Landscape Report based on FCA Register data has revealed that 7,860 FCA-registered firms have deauthorised in 2025 alone. That’s almost 3,500 net exits in just eight months. While headlines may focus on the “winners” — St. James’s Place, Quilter, and other large networks expanding adviser headcount — the real story is one of … Continue reading 📉 Consolidation or Collapse? What Deauthorisations Mean for Holistic Wealth Planners
Human Capital, Life Expectancy, and the Planner’s Role in Breaking Poverty Traps
“When we invest in people, we invest in life itself.” A recent economic study on Human Capital Inequality, Life Expectancy and Economic Growth offers profound insights that resonate directly with the mission of Holistic Wealth Planners. It shows how education, health, and opportunity are deeply interconnected — and why planning that focuses only on money … Continue reading Human Capital, Life Expectancy, and the Planner’s Role in Breaking Poverty Traps
⚖️ Who Trains the Machines? Preventing the Oligopoly from Owning the Next Generation of Advice
It’s easy to get dazzled by headlines like: “Digital adviser Aida passes the CII diploma.”An AI, trained by intermediaries, outperforming most human advisers in product-based exams. The industry hails it as progress. But we must stop and ask: progress for whom? The Problem: Exams Built on the Old Paradigm When I sat the CII exams … Continue reading ⚖️ Who Trains the Machines? Preventing the Oligopoly from Owning the Next Generation of Advice
🌍 From Exploited to Empowered: The Unified Vision of the Academy of Life Planning
For too long, financial systems have been built on extraction—where ordinary citizens lose out while institutions and intermediaries take more than their share. At the Academy of Life Planning (AoLP), we believe it’s time for a new story. One that replaces extraction with empowerment. That’s why we created M-POWER, the global movement for financial sovereignty, … Continue reading 🌍 From Exploited to Empowered: The Unified Vision of the Academy of Life Planning
🌑 From Shadow to Stewardship: Why Our Pricing Is Changing
🧭 Our Pricing Compass At the Academy of Life Planning, pricing is never arbitrary. It follows a relational framework that ensures fairness, transparency, and stewardship: By Means Full Market Rate — when the client has the capacity to pay. Discounted Rate — when means are limited. Pro Bono / Free to Need — when support … Continue reading 🌑 From Shadow to Stewardship: Why Our Pricing Is Changing
🌀 M-POWER: Replacing Exploitation with Empowerment
Most people don’t need a financial middleman clipping fees from their hard-earned wealth. What they need are the right tools, the right support, and the confidence to run their own affairs. That’s where M-POWER—the Money Empowerment Movement—steps in. We are holistic wealth planners, and our mission is simple:👉 To help you avoid exploitation,👉 To help … Continue reading 🌀 M-POWER: Replacing Exploitation with Empowerment
Academy of Life Planning 