The financial planning profession stands at a crossroads. For decades, the dominant model has been extraction—advisers taking a percentage of client assets under management, year after year, regardless of whether real value was delivered. But a profound shift is under way, and those who fail to adapt risk being left behind. The Great Wealth Transfer … Continue reading Why Now? Why Financial Planners Must Switch from Extraction to Empowerment →

When the UK Chancellor, Rachel Reeves, told private equity bosses she plans to “take out more regulators,” she was clear: oversight is no longer a priority. Growth is. In recent months, Reeves has: Sacked the Chair of the Competition and Markets Authority (CMA), Shut down the Payments Regulator, “Severely constrained” the Financial Ombudsman Service (FOS), … Continue reading Regulators Retreat, Empowerment Must Rise →

This week, the UK government announced that a new AI tool helped recover nearly £500 million lost to fraud in just one year. Ministers hailed it as the largest anti-fraud clawback ever achieved, with savings now earmarked for public services. On the surface, this is good news. It proves something important: AI works in the … Continue reading AI for the Treasury vs. AI for the People: Why Justice Must Be Bottom-Up →

It’s no secret that regulated financial advisers tend to target a very specific group of people: wealthy delegators. These are often older clients, time-poor but asset-rich, who are happy to pay for someone else to manage their finances. As long as their portfolios grow ahead of inflation and their lifestyle feels secure, they are unlikely … Continue reading Lies, Damn Lies, and Advice Statistics →

A recent study (Human Capital: The Tool for Economic Growth and Development, Dr. Mahesh U. Daru) offers profound lessons for those of us committed to holistic wealth planning. Its insights confirm what many of us already sense: true wealth lies not only in money, but in people. 1. Human Capital is the Core Asset The … Continue reading Human Capital: The Hidden Wealth Planners Can’t Afford to Ignore →

Recently, a colleague in Italy raised an important concern: many advisers are well-trained in offering financial solutions, yet not sufficiently equipped to help clients truly discover their goals and purpose. Without clarity at this stage, even the most technically sound financial plan risks being “a good solution to the wrong problem.” This challenge is not … Continue reading Beyond the Three Questions: Towards a Fuller Life Planning Practice →

"Wealth is not just what you own. It is who you become." For decades, mainstream economics measured growth in narrow terms: GDP, output, financial assets. Yet research consistently shows that these traditional factors—capital, land, labour—cannot alone explain the drivers of prosperity. What’s missing is human capital—the knowledge, health, relationships, and inner strengths that enable people … Continue reading Why Holistic Wealth Planners Must Embrace the Whole-Person Paradigm →