For years, the financial advice industry has told itself a comforting story. That story says the public needs advice because money is complex, regulation is difficult, products are technical, and ordinary people cannot be expected to make good decisions without professional guidance. There is some truth in that. Money decisions can be complex. Pensions, tax, … Continue reading The Advice Diaspora: Why the Future of Planning May Belong to Those Who Leave the Old System Behind
Tag: ai
The Financial Advice Market Is Still Selling Dependency. Consumers Are Moving Towards Agency.
How should we understand the emerging shift from dependency to agency in the financial advice market, particularly as AI reduces information asymmetry and increases consumers’ ability to understand, model and challenge financial decisions for themselves? My working hypothesis is that the supply side of the market remains relatively rigid and anchored in the traditional dependency … Continue reading The Financial Advice Market Is Still Selling Dependency. Consumers Are Moving Towards Agency.
The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
There are two easy stories about AI and jobs. The first says everything will be fine. Technology makes work cheaper, the economy grows, people move into better roles, and the disruption eventually settles into progress. The second says the opposite. AI will wipe out millions of jobs, hollow out professions, and leave people stranded before … Continue reading The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
AoLP as an Agency-Restoration Ecosystem
How do we restore human agency in the age of AI and institutional power asymmetry? The defining question of the AI age may not be whether machines become more intelligent. It may be whether human beings become less capable of acting for themselves. For decades, individuals have lived with a growing power asymmetry between themselves … Continue reading AoLP as an Agency-Restoration Ecosystem
What Should I Do When I Get a Legal Demand Letter in the Post?
A legal demand letter can change the atmosphere in a home. One moment you are getting on with your day. The next, an envelope lands on the mat carrying unfamiliar words, formal deadlines, reference numbers, threats of action, and an amount of money you may or may not understand. For many people, the first reaction … Continue reading What Should I Do When I Get a Legal Demand Letter in the Post?
AI Does Not Just Need a Pause. It Needs a Purpose: Restoring Human Agency Before Power Concentrates Beyond Reach
Anthropic, the company behind Claude, has reportedly called for the option of a global pause or slowdown in frontier AI development. Its argument is stark. If the development of more powerful AI systems could be slowed effectively, the world would have more time to understand and manage the consequences. The concern is not simply that … Continue reading AI Does Not Just Need a Pause. It Needs a Purpose: Restoring Human Agency Before Power Concentrates Beyond Reach
AI or Nothing: The Missing Question in the Financial Advice Debate
When most people cannot access financial advice, should we be asking whether AI threatens advisers — or whether it finally gives the unsupported majority a first step back to agency? Source: 9 in 10 advisers expect AI to affect client relationships, Financial Planning Today, 5th June 2026. The story says 68% of advisers are concerned … Continue reading AI or Nothing: The Missing Question in the Financial Advice Debate
Get SAFE Update — Goliathon: What’s New Today
Get SAFE Update — Goliathon: What's New Today 4 June 2026 When someone affected by financial exploitation starts trying to make sense of their case, they are often carrying years of documents, unanswered questions, conflicting explanations, and a growing feeling that everyone else understands the system better than they do. Goliathon exists to help change … Continue reading Get SAFE Update — Goliathon: What’s New Today
When You’re Told to Get Legal Advice — But Can’t Afford It
When You’re Told to Get Legal Advice — But Can’t Afford It Some of the people who need legal advice most are the very people least able to get it. A settlement arrives. There is a confidentiality clause. You are told you cannot discuss it. You cannot share it. You cannot talk openly about what … Continue reading When You’re Told to Get Legal Advice — But Can’t Afford It
Goliathon Version 3 Has Arrived: Turning Evidence into Action Just Became Easier
When people are harmed by powerful institutions, the first barrier is rarely the absence of evidence. More often, the barrier is overwhelm. The documents are there. The letters are there. The emails are there. The statements, decisions, timelines, contradictions and red flags are often scattered across inboxes, folders, drawers and memory. But when someone is … Continue reading Goliathon Version 3 Has Arrived: Turning Evidence into Action Just Became Easier
Academy of Life Planning 