The GAME Plan Manifesto

A System for Human Agency Every human being is born with the capacity to shape their own life. Yet many of the systems that surround us—economic, institutional, and cultural—quietly encourage the opposite. They train people to follow predefined paths, to defer decisions to experts, and to postpone their own aspirations until some distant future. Over … Continue reading The GAME Plan Manifesto →

The Friday Planner Forum Returns

A safe runway for advisers to land, think, and meet fellow practitioners Something interesting has been happening in conversations with financial planners over the past year. Not loudly.Not dramatically. But quietly, almost in the background. More advisers are beginning to ask the same question: Where is our profession heading next? For the last two decades, … Continue reading The Friday Planner Forum Returns →

Five Sentences Advisers Say Before Leaving the Traditional Advice Model

Every profession evolves. Financial advice is no exception. For decades, the industry has been structured around a simple model: gather assets, construct portfolios, and charge a percentage of assets under management. But something is changing. Artificial intelligence is automating technical tasks. Clients are arriving more informed. And advisers themselves are beginning to question whether the … Continue reading Five Sentences Advisers Say Before Leaving the Traditional Advice Model →

The Planner’s New Role in the Age of AI

Why Financial Advisers Must Become Guides, Interpreters, and Trusted Thinking Partners A simple poll can sometimes reveal more about the future of an industry than a thousand white papers. Earlier this week I asked a straightforward question to advisers on LinkedIn: “What percentage of clients already use AI tools for financial planning or financial questions?” … Continue reading The Planner’s New Role in the Age of AI →

The Missing Exit Strategy for Financial Advisers

Why many advisers feel trapped between selling their firms and walking away — and what a better path might look like For many financial advisers, the end of their career raises a difficult question. What happens to the clients? After decades of building trust, guiding families through life decisions, and helping people navigate financial complexity, … Continue reading The Missing Exit Strategy for Financial Advisers →

AI Won’t Replace Financial Advisers

But It Will Change What Advisers Actually Do A financial adviser told me something interesting this week. He said AI won’t replace advisers. An executive from the company behind Claude had said the same thing. He looked relieved. But the conversation that followed made me realise something much more important. AI may not replace advisers. … Continue reading AI Won’t Replace Financial Advisers →

AI Won’t Replace Financial Planners

But It Will Replace the Old Planning Model At a recent Academy of Life Planning Practice Management Circle, we explored a question that is increasingly appearing across the profession: What happens to cashflow planning when artificial intelligence can model financial scenarios instantly? As you might expect, the discussion sparked strong opinions — thoughtful, constructive, and … Continue reading AI Won’t Replace Financial Planners →

Why Total Wealth Planners Don’t Need to Build Apps

For most of the past thirty years, financial planning technology followed a predictable pattern. If planners wanted to improve their service, they built software. Cashflow modelling tools.Retirement simulators.Tax planning calculators.Risk profiling engines. Every innovation in financial planning seemed to involve building another application. But that model is quietly becoming obsolete. Not because technology has disappeared. … Continue reading Why Total Wealth Planners Don’t Need to Build Apps →

The Asset Most People Forget: Why Human Capital Matters More Than Your Pension

When most people think about financial planning, they think about money. Savings.Investments.Pensions. But there is a far more powerful asset sitting quietly in the background of every financial life. You. Your skills, your health, your experience, your relationships, your creativity, and your ability to adapt. Economists call this human capital — and decades of research … Continue reading The Asset Most People Forget: Why Human Capital Matters More Than Your Pension →

Could Raising Pension Contributions Make Working-Age Poverty Worse?

There is a growing chorus of voices calling for higher auto-enrolment pension contributions in the UK. A recent survey reported that 43% of business leaders support increasing contributions, with many arguing that workers simply are not saving enough for retirement. At first glance, that sounds responsible.Who wouldn’t want people to have more money in later … Continue reading Could Raising Pension Contributions Make Working-Age Poverty Worse? →