In financial planning, we talk endlessly about assets under management and portfolio returns. But there’s a bigger, more powerful driver of wealth that rarely makes it into the conversation: human capital. If financial capital is the reservoir where your wealth is stored, human capital is the river that fills it. It is your skills, knowledge, … Continue reading Human Capital: The Missing Giant in Financial Planning
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£10 Trillion in The City — But How Much in Your Pocket?
The Investment Association (IA) has announced that the UK investment management industry has hit a record £10 trillion in assets under management (AUM). City firms are celebrating. Government ministers, keen to push their “growth agenda,” have supported calls for lighter regulation and measures to funnel even more capital their way. But here’s the uncomfortable truth: … Continue reading £10 Trillion in The City — But How Much in Your Pocket?
When the Rules Change, So Must We: Why Survivors Should Consider the Goliathon & Get SAFE Approach
The Financial Ombudsman Service (FOS) is consulting on major changes to its case-fee model. Buried in the detail is a development that could reshape how victims of financial harm choose to seek justice. The proposed shift means professional representatives—claims management companies (CMCs) and law firms—may face outcome-linked fees and higher charges for cases that go … Continue reading When the Rules Change, So Must We: Why Survivors Should Consider the Goliathon & Get SAFE Approach
From Victim to Victor: How the Goliathon Helps Survivors Fight Back Against Financial Injustice
By Steve Conley, Founder of Get SAFE (Support After Financial Expoitation) and the Academy of Life Planning. I am a champion of the people — the voice of the little person on the street.I fight for justice. I stand up for what I believe in. For too long, ordinary people have been losing against the … Continue reading From Victim to Victor: How the Goliathon Helps Survivors Fight Back Against Financial Injustice
Inheritance Tax Raid Rumours: When “Warm Hands” and “Cold Hands” Make No Difference
The government is once again rumoured to be eyeing the assets of those who have worked hard all their lives—this time by tightening inheritance tax (IHT) rules. According to reports in the Times today, Treasury officials are exploring measures that could make it harder for people to pass on wealth to their children without a … Continue reading Inheritance Tax Raid Rumours: When “Warm Hands” and “Cold Hands” Make No Difference
The Deregulation Time Machine: From Lehman to Sizewell — Same Plot, Higher Stakes
Deregulation Across Sectors: The Hidden Risks to People, Planet, and Prosperity We have seen the dangers of deregulation before. In 2008, the global financial crisis cost the world economy an estimated $10 trillion. Beyond the economic damage, research shows it directly contributed to more than 10,000 suicides in Western countries alone. Entire communities lost jobs, … Continue reading The Deregulation Time Machine: From Lehman to Sizewell — Same Plot, Higher Stakes
From Jobs Crisis to Growth Crisis: Why the UK Must Shift from Financial Capital to Human Capital Strategies
The latest KPMG and REC survey confirms what many of us have been warning about: the UK labour market is cooling fast. Starting salaries are growing at their slowest rate since March 2021, vacancies are contracting at their fastest pace in over three years, and the availability of workers has surged to levels not seen … Continue reading From Jobs Crisis to Growth Crisis: Why the UK Must Shift from Financial Capital to Human Capital Strategies
The Plot Twist: Option 5 – Retire from Regulation, Not from Clients
When financial advisers start thinking about stepping back, the conversation is usually framed around the “big exit.” Consolidators, phased buyouts, successors — the market is full of templates for selling up. But what if you could cash in your business without cashing out on the relationships that matter most? What if you could have your … Continue reading The Plot Twist: Option 5 – Retire from Regulation, Not from Clients
Trapped in the SJP Debt Cycle? Here’s the Alternative They Don’t Teach You
The headlines tell a stark story: St. James’s Place advisers now owe a staggering £847 million—and that figure is climbing by £1.5 million every week. This debt isn’t just a number. It’s a heavy chain around the necks of thousands of advisers, often taken on to buy books of business or entire practices under the … Continue reading Trapped in the SJP Debt Cycle? Here’s the Alternative They Don’t Teach You
Why Human Capital Strategies Are the Missing Piece in Most Financial Plans – And How You Can Try Them for Just £4.99
After decades in financial planning, I’ve noticed a surprising gap in even the most experienced advisers’ toolkits: human capital strategies. Many planners I meet still operate under the assumption that financial capital—the money you’ve saved and invested—represents the total picture of wealth. But that couldn’t be further from the truth. Over the course of a … Continue reading Why Human Capital Strategies Are the Missing Piece in Most Financial Plans – And How You Can Try Them for Just £4.99
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