Who Are the Enablers in UK Finance?

"The people who walk in darkness are no longer prepared to do so." — Nobel Peace Prize Committee, 2011 The Hidden Hands of Corruption When we think of corruption, our minds often turn to far-off regimes or shadowy despots. But as Frank Vogl — co-founder of Transparency International and author of The Enablers — reminds … Continue reading Who Are the Enablers in UK Finance? →

⚙️ The Battle for Empowerment

Here’s a storyline battle narrative in the tone of MechWarrior, where the pilots use The GAME Plan Notion Template as their battle computer, and Goliathon as their heavy war machine. It ends in victory. ⚙️ The Battle for Empowerment The sky burned red above the city. Towers of the Extractive System loomed like iron titans, … Continue reading ⚙️ The Battle for Empowerment →

From Tragedy to Justice: Why I Built Goliathon for the Financially Exploited

[Me & Jessica on our wedding day, 20 June 2024] After watching the Footballers V11 documentary, and listening to others who’ve been financially scammed or suffered financial injustice, one thing becomes painfully clear: People have no one.They trust no one.And rightly so. So… why trust me? What can I possibly offer? Well, I’ve been there. … Continue reading From Tragedy to Justice: Why I Built Goliathon for the Financially Exploited →

When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service

The Financial Ombudsman Service (FOS) was created to be the independent referee — the place where consumers could seek justice when financial firms failed them. Its role is vital: to provide fairness, transparency, and accountability in a sector where trust is already fragile. Yet evidence suggests a troubling pattern of behaviour inside the organisation. Instead … Continue reading When Oversight Becomes Obstruction: What Evidence Suggests About the Financial Ombudsman Service →

Footballers Deserve Better: Why They Should Not Be Classified as High Net Worth or Sophisticated Clients

Professional footballers are too often treated by the financial system as “high net worth” or “sophisticated” investors. This classification strips them of the vital protections afforded to retail clients by the FCA and the Financial Ombudsman Service. In reality, they are among the most vulnerable groups in society when it comes to financial exploitation. Their … Continue reading Footballers Deserve Better: Why They Should Not Be Classified as High Net Worth or Sophisticated Clients →

🌍 A Vision of Global Empowerment through Life Planning

Imagine a world where every community, no matter how wealthy or resource-constrained, has access to the tools of life planning. Children in schools learn from an early age how to define their goals, recognise their talents, and align their education with purpose. Young adults no longer drift into jobs or debt without direction, but enter … Continue reading 🌍 A Vision of Global Empowerment through Life Planning →

Building Futures in El Salvador: How Life Planning is Driving Social Transformation

In late 2023, the government of El Salvador created a new national institution — the Dirección de Integración — with a bold mission: to strengthen social inclusion, reduce poverty, and foster a culture of integration across the country. At the heart of this initiative is the ADN Program on Poverty and the Culture of Integration, … Continue reading Building Futures in El Salvador: How Life Planning is Driving Social Transformation →

The Future of Financial Planning Is Outside the Regulatory Perimeter

For decades, wealth management has been dominated by financial intermediaries—agents of product companies who sit across the table from clients, selling investments and policies. But the next generation of investors is sending a clear message: they don’t want product pushers, they want professional allies. A seismic shift is underway. Capgemini’s 2025 World Wealth Report finds … Continue reading The Future of Financial Planning Is Outside the Regulatory Perimeter →

Human Capital—not Financial Products—is the True Foundation of Prosperity

We’ve been sold a dangerous illusion: that prosperity comes from financial products. Pensions, ISAs, insurance, investments—these are the shiny wrappers that the industry pushes as the answer to our future security. But let’s be clear: no financial product has ever created real wealth. The true source of prosperity lies elsewhere. It resides in us. The … Continue reading Human Capital—not Financial Products—is the True Foundation of Prosperity →

Football’s Financial Shame: What the V11 Story Teaches Us About Trust, Exploitation, and the Need for Change

When Brian Deane scored the first ever Premier League goal in 1992, it symbolised the dawn of a new era. Money flooded into football, players became celebrities overnight, and with wealth came new risks. Fast-forward thirty years, and we now see the dark side of that era: a generation of players—household names like Danny Murphy, … Continue reading Football’s Financial Shame: What the V11 Story Teaches Us About Trust, Exploitation, and the Need for Change →