AI, Adviser Survival, and the Missing Step Nobody Is Showing

There’s a lot of talk right now about advisers facing an “AI disruption event”. The language is dramatic.Meteorites. Dinosaurs. Extinction. And while the risk is real, the framing is often wrong. What I’m seeing on the ground isn’t complacency or incapability. It’s something far more human. Advisers Aren’t Failing — They’re Overloaded Most advisers I … Continue reading AI, Adviser Survival, and the Missing Step Nobody Is Showing →

The AI Interface Shift: Why Method Beats Advice

(And why time is now your biggest risk) The financial planning profession isn’t being disrupted by better advice. It’s being displaced by a new interface. Increasingly, people don’t start with advisers, websites, or apps.They start with AI. They ask questions.They test ideas.They model scenarios.They explore options — instantly. This is not a future prediction.It’s a … Continue reading The AI Interface Shift: Why Method Beats Advice →

The Missing Asset in Most Cashflow Forecasts: Human Capital

Why financial planners approaching the bridge must rethink what they model For decades, financial planning has been built around a familiar architecture: assets, liabilities, returns, tax, inflation, and longevity. Cashflow forecasting became the gold standard—our way of demonstrating prudence, professionalism, and control. Yet there is a growing problem. Most cashflow forecasts systematically ignore the single … Continue reading The Missing Asset in Most Cashflow Forecasts: Human Capital →

Before You Change Firm — Change Perspective

Why more advisers are stepping beyond retail investment planning Something quiet but profound is happening in the traditional IFA market. It isn’t being driven by regulation alone.It isn’t just about consolidation, succession, or margin pressure. It’s about fit. More and more experienced advisers are sensing that the work they trained for — judgement, stewardship, human … Continue reading Before You Change Firm — Change Perspective →

AI Didn’t Kill Work. It Killed the Old Map.

The debate about AI, work, and Universal Basic Income is accelerating. Government briefings. Think-tank papers. Media panic cycles. This week, the Institute of Economic Affairs reported that ministers are again exploring Universal Basic Income (UBI), driven by fears that AI will lead to mass unemployment. As Kristian Niemietz rightly points out, history doesn’t support that … Continue reading AI Didn’t Kill Work. It Killed the Old Map. →

Life Planning Has Outgrown Its Original Frame

A bridge-safe reflection for planners sensing the next step For many planners, life planning began as a profound shift. A move away from product talk.A deeper conversation.A focus on meaning, freedom, and what really matters to the client. For some, that training was genuinely life-changing. It restored dignity to the profession and reminded us why … Continue reading Life Planning Has Outgrown Its Original Frame →

The £10 Billion Question: Is “Ongoing Advice” Still Fit for a World That Changes Daily?

The UK financial advice profession is facing a quiet but profound contradiction. According to the Financial Conduct Authority, around 4 million clients currently pay for ongoing advice. Together, they generate an estimated £8–10 billion a year in fees—around 80% of total adviser-charge revenue. On the surface, this suggests a healthy, sustainable model. Look closer, and … Continue reading The £10 Billion Question: Is “Ongoing Advice” Still Fit for a World That Changes Daily? →

Why the Future of Financial Planning Is Human Capital-Led

Lessons for Financial Planners Aspiring to Become Total Wealth Planners For decades, financial planning has been built around financial capital: portfolios, products, performance and projections. Yet one of the most consistent findings in economic research tells a different story. Human capital—not financial capital—is the primary driver of long-term prosperity. A 2012 study published in the … Continue reading Why the Future of Financial Planning Is Human Capital-Led →

Untethering Action: Why Insight Alone Isn’t Enough — and How AI Can Help Clients Lift Off

One of the quiet frustrations in financial planning is this:many clients understand what needs to change — yet still don’t move. The motivation is there.The logic is sound.The desire for a better future is real. And still… nothing happens. Insight isn’t the problem — overload is At a recent professional session, a powerful analogy was … Continue reading Untethering Action: Why Insight Alone Isn’t Enough — and How AI Can Help Clients Lift Off →

An Invitation to Experience the GAME Plan

Why AI GAME Plan v3.5 Is Being Shared Freely with the Academy Community For a long time, I’ve tried to explain the GAME Plan. I’ve explained the framework.I’ve explained the methodology.I’ve explained how it differs from traditional financial planning. And yet, something kept nagging at me. Because the truth is this: The GAME Plan can’t … Continue reading An Invitation to Experience the GAME Plan →