Another advice firm has chosen to leave St. James's Place. SRB Financial Planning, a business responsible for approximately £250 million of client assets, has joined Quilter Financial Planning after reviewing its future strategic options. The firm said it selected Quilter for its greater investment flexibility, technology, operational support and broader platform. The move adds to … Continue reading Another Adviser Firm Walks Away from SJP. Coincidence—or the Start of a Structural Shift?
Tag: ai
UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
For years, discussions about artificial intelligence in financial planning have centred on one question: How will AI affect financial advisers? A new analyst note from UBS, reported by Citywire, suggests that question is no longer theoretical. UBS has accelerated its assumptions about AI disruption, bringing forward the point at which it expects AI to affect … Continue reading UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
"The question is no longer whether to allow AI, it is who is AI going to serve?... the answer must be citizens."— Sheldon Mills, AI and the Future of Retail Financial Services (2026) The publication of the Mills Review marks an important moment in the evolution of financial services. For the first time, a major … Continue reading The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
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
Opinion: The AI Debate Is Missing the Most Important Participant
Why the future of financial planning won't be decided by firms adopting AI—but by citizens doing the same. Every week there seems to be another discussion about artificial intelligence in financial services. Should advisers build their own AI? Should firms rely on specialist providers? Will AI replace paraplanners? Are the productivity gains worth the investment? … Continue reading Opinion: The AI Debate Is Missing the Most Important Participant
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
Proportional Planning™: Support when it adds value. Agency remains yours.
The right support at the right time. For decades, we have framed financial planning as a choice between two extremes. Do it yourself. Or hand responsibility to an adviser. Neither reflects how most people actually make decisions. Most of us are capable of managing much of our own lives. We seek help when life becomes … Continue reading Proportional Planning™: Support when it adds value. Agency remains yours.
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
Financial Regulation Should Create Trust. So Why Do So Many Victims Never Find Justice?
As Parliament debates reforms to the Financial Services and Markets Act (FSMA), much of the discussion has focused on economic growth, regulatory efficiency and reducing unnecessary burdens on business. Those are legitimate objectives. But there is another question that deserves equal attention. When financial regulation fails an individual, how does that individual obtain justice? For … Continue reading Financial Regulation Should Create Trust. So Why Do So Many Victims Never Find Justice?
AI Is Reshaping Financial Planning. But Is It Reshaping the Whole Picture?
AI and the Two-Sided Transition of Financial Planning The Financial Planning Standards Board (FPSB) has released an important new Practice Guidance Note on the use of artificial intelligence in financial planning. It is a timely and well-considered document that addresses one of the profession's most significant emerging challenges. Its central message is clear. Artificial intelligence … Continue reading AI Is Reshaping Financial Planning. But Is It Reshaping the Whole Picture?
Academy of Life Planning 