QUESTION: Can AI help ordinary people see through the complexity, incentives, and institutional narratives embedded within modern financial services? “I’m wondering to what extent AI can genuinely act as an honest advocate for individuals within financial services. Not as a salesperson.Not as an institutional gatekeeper.But as a truth-seeking assistant helping ordinary people navigate complexity, opacity, … Continue reading Can AI Become the Honest Advocate Consumers Never Had in Financial Services?
Tag: ai
We Built Something to Level the Playing Field. It’s Now Live.
By Steve Conley, Founder — Academy of Life Planning & Get SAFE There is a moment most of us have experienced. You are about to sign something. A contract, an agreement, a set of terms and conditions. The other party hands you a document — sometimes thick, sometimes thin, always dense — and waits. There … Continue reading We Built Something to Level the Playing Field. It’s Now Live.
The End of Search Rankings? Why The Leveller May Be Arriving at Exactly the Right Time
For years, app discovery was largely a game of keywords, rankings, and visibility hacks. Developers fought for attention in crowded marketplaces using optimisation tactics designed for algorithms rather than humans. But something fundamental is changing. At Google I/O 2026, Google revealed a major shift in how people will discover apps on Google Play. Instead of … Continue reading The End of Search Rankings? Why The Leveller May Be Arriving at Exactly the Right Time
From Employee Assistance to Human Agency: What Today’s Wellbeing Programmes Reveal About the Future of Planning
For decades, Employee Assistance Programmes (EAPs) have sat quietly in the background of organisational life. Originally designed as counselling and crisis-support services, they were often associated with stress, addiction, bereavement, or workplace difficulties — a safety net for people under pressure. But something is changing. Modern EAPs are no longer simply mental health helplines. They … Continue reading From Employee Assistance to Human Agency: What Today’s Wellbeing Programmes Reveal About the Future of Planning
Choosing AI for Your Practice: Efficiency Tool or Human Agency Operating System?
A new McKinsey study on AI competitive advantage raises important questions for financial planners choosing the next generation of technology platforms. The study makes a simple but profound point: When everyone has access to the same AI models, the real competitive advantage no longer comes from the AI itself. It comes from the operating system … Continue reading Choosing AI for Your Practice: Efficiency Tool or Human Agency Operating System?
The 90/10 Is Becoming the 99/1
What Rising Advice Thresholds Are Really Telling Us About the Future of Financial Planning The latest industry statistics may prove to be one of the clearest signals yet that financial planning is entering a structural transition. According to the latest adviser survey data [Dynamic Planner’s Advice 2026 report], the average minimum investable asset threshold has … Continue reading The 90/10 Is Becoming the 99/1
AI, Human Agency, and the Future of Life Planning
Reflections from a Transparency Task Force Discussion with the Academy of Life Planning There was a noticeable shift in tone during this recent Transparency Task Force session. For once, the conversation was not primarily about another scandal, regulatory failure, or institutional breakdown. Instead, it explored something more foundational: What happens when ordinary people gain access … Continue reading AI, Human Agency, and the Future of Life Planning
Only 7% of Advisers Fully Trust Their Technology Outputs
If Institutional Systems Are Supposed to Be More “Auditable, Accurate and Repeatable”… Why Don’t Advisers Trust Them? For years, one of the major arguments made by large financial services technology providers has been that institutional systems are inherently safer and more reliable than individuals using AI tools independently. The logic usually sounds something like this: … Continue reading Only 7% of Advisers Fully Trust Their Technology Outputs
OpenAI’s New Financial Planning Tool Raises a Bigger Question: Who Shapes the Future of Financial Planning?
This week, OpenAI announced the launch of a new personal finance experience inside ChatGPT for US Pro users. "People are already turning to ChatGPT for help: more than 200 million people come to ChatGPT every month for budgeting, questions about their investments, comparing different paths, planning for future goals, and more." The system allows users to connect financial … Continue reading OpenAI’s New Financial Planning Tool Raises a Bigger Question: Who Shapes the Future of Financial Planning?
If Institutions Have AI, Regulators Have AI, and Scammers Have AI… Then Individuals Need AI Too
For years, technology in financial services was largely discussed as a productivity tool. Faster processing.Better reporting.Lower costs.More automation. But the conversation is now shifting. This week, the Financial Conduct Authority openly discussed the possibility of “robo-regulation” — a future where AI helps monitor firms, identify risks, detect misconduct, and supervise markets in real time. At … Continue reading If Institutions Have AI, Regulators Have AI, and Scammers Have AI… Then Individuals Need AI Too
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