The professional’s job is not to occupy the pathway between the client and their money, but to keep that pathway clear. Why a Total Wealth Planner should be at reception, not permanently in your room For several years, I have described the emerging role of the holistic financial planner as a financial concierge. I still … Continue reading I Was Wrong About the Financial Concierge
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Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Kakeibo Ledger™: Sometimes the Best Technology Gets Out of Your Way I have been fascinated by Japanese approaches to money, life and human flourishing for a long time. I use Ikigai in life planning. I use Kokoro as a way of thinking about alignment between mind, body, heart and spirit. Even the Academy’s GAME Plan … Continue reading Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
NatWest Wants 500,000 Investors. I Suggested Part of the Model Almost 20 Years Ago.
Democratising Coutts investment capability is a good idea. Calling a product-distribution pathway financial planning would not be. There is something rather familiar about NatWest's ambition to grow the number of its retail customers who invest with the bank from around 170,000 to more than 500,000. I know because, almost 20 years ago, I was sitting … Continue reading NatWest Wants 500,000 Investors. I Suggested Part of the Model Almost 20 Years Ago.
Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
What if financial planning started with your life, rather than your investments? I recently joined Kevin Whelan on the WealthBuilders WealthTalk podcast for a conversation about something much bigger than pensions, investments or financial products. It was about who should ultimately be in control of your financial life. The answer sounds obvious. You should. Yet … Continue reading Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
Are You Being Treated Like an Item of Inventory by Your Adviser?
How do you feel about your adviser relationship being sold to another firm? You probably thought you had a relationship with your financial adviser. Perhaps you thought it was a relationship of stewardship. You own your money. You own your life. You make the decisions. Your adviser brings expertise, experience and perspective to help you … Continue reading Are You Being Treated Like an Item of Inventory by Your Adviser?
The Recoverer™ Is Now Live on Academy OS – FREE
Do everything you can, yourself, before you hand this to anyone else. When someone loses money to investment fraud, the first instinct is often to find an expert. A solicitor. A recovery firm. A claims company. Someone who knows what to do. Sometimes that support is necessary. But there is an important question that should … Continue reading The Recoverer™ Is Now Live on Academy OS – FREE
Do You Need a Financial Adviser — Or Just Your Agency Back?
Why a temporary period of complexity should not automatically become a lifetime of advised dependency Most people do not wake up one morning and decide: “I would like to outsource my financial judgement for the rest of my life.” Something usually happens first. A bereavement. A divorce. Retirement. Redundancy. An inheritance. A pension decision. A … Continue reading Do You Need a Financial Adviser — Or Just Your Agency Back?
Why Build a Total Wealth Planning Practice Alone?
Most financial planning businesses begin with one person. One planner. One diary. One network. One set of skills. One person carrying the whole thing. That can work. But it also creates an obvious weakness. If everything depends on you, you may have created a practice — but you have not yet created much organisational resilience. … Continue reading Why Build a Total Wealth Planning Practice Alone?
The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Explore Goliathon and start building the capability to understand your own case before deciding your next move. Johan Häger, CEO and Co-founder of Aloi AI, recently made an important observation about the future of legal services. His argument is that the law firm of the future should not simply produce more legal output. It should … Continue reading The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Vulnerability Should Trigger Support, Not Dependency
What disability rights, FCA regulation and financial planning can teach us about restoring human agency Most people, some of the time, will struggle to make an important decision. Not because they are incapable. Because life happens. Bereavement. Illness. Divorce. Redundancy. Scam victimisation. Retirement. Debt. Cognitive overload. A complex pension decision. A court dispute. A financial … Continue reading Vulnerability Should Trigger Support, Not Dependency
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