Why Does a Three-Hour Problem Lead Naturally to a Thirty-Year Commercial Relationship? If you can now earn a good living solving people's financial problems without capturing their assets, why are you still making surrender of the assets a condition of helping them? A person walks into a financial planner's office with a problem. Perhaps they … Continue reading Why Does a Three-Hour Problem Lead Naturally to a Thirty-Year Commercial Relationship?
Category: Uncategorized
Before You Plan Your Money, Find the Direction of Your Life
I’ve built a new app. But this one begins with no money at all. No pensions.No investments.No budgets.No retirement calculators. Just four questions: What are you good at?What do you love?What does the world need?What could you be paid for? Those four questions sit at the heart of the Japanese idea of Ikigai — often … Continue reading Before You Plan Your Money, Find the Direction of Your Life
When Trust Breaks, Fraud Finds the Gap
What this case reveals about investment-fraud grooming, the failure of financial services to support victims, and why evidence restores agency where warnings often fail. By the time the police arrived at his home, the warnings were no longer coming from one direction. His wife believed the investment was a scam. His father had become sufficiently … Continue reading When Trust Breaks, Fraud Finds the Gap
I Was Wrong About the Financial Concierge
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
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?
