From the Advice Gap to the Agency Gap

Why the FCA's AI Review could transform financial planning—if we put citizens first For more than two decades, policymakers have talked about the advice gap. Millions of people cannot afford regulated financial advice, do not qualify for it, or simply choose not to use it. The result has been a familiar debate. Should advice become … Continue reading From the Advice Gap to the Agency Gap →

If Even the FCA Says Investment Documents Are Too Hard to Understand… Perhaps It’s Time to Level the Playing Field

The Financial Conduct Authority has reached a striking conclusion. After reviewing 172 investment disclosure documents, it found that almost all were written at a level too difficult for the average consumer to understand. Only 6% were considered to be written in plain English, and every single document reviewed fell below the level expected for someone … Continue reading If Even the FCA Says Investment Documents Are Too Hard to Understand… Perhaps It’s Time to Level the Playing Field →

Academy OS Is Now Live: AI That Strengthens Human Agency

For the past year, I've been building something that has gradually become much bigger than a collection of AI tools. Today, I'm pleased to announce the launch of the new Academy OS page on the Academy of Life Planning website. This isn't simply a software catalogue. It represents a different philosophy about the relationship between … Continue reading Academy OS Is Now Live: AI That Strengthens Human Agency →

Academy OS: An Ecosystem for Restoring Human Agency in the Age of AI

The Academy of Life Planning has reached an important point in its development. For many years, the Academy has built, tested and refined tools to help people plan their lives before their money. The language has evolved. The technology has improved. The delivery methods have changed. But the underlying purpose has remained steady. The mission … Continue reading Academy OS: An Ecosystem for Restoring Human Agency in the Age of AI →