Tag: artificial-intelligence

Mind the Gap: A Day Inside Britain’s Financial Illusion — and the Quiet Resistance Rising Against It

Thursday 13 November 2025 will go down as one of the most revealing days of my career. It was a tale of two worlds. In the morning, I stood in the ExCeL Centre surrounded by more than 2,000 advisers at the PFS “Power” Conference — a rally called Mind the Gap. The message repeated all … Continue reading Mind the Gap: A Day Inside Britain’s Financial Illusion — and the Quiet Resistance Rising Against It →

🔹 The Age of Empowerment: How AI Is Liberating Financial Planning

Over half of UK adults are no longer waiting for the financial industry to “look after them.” They’re taking matters into their own hands — and turning to AI tools like ChatGPT to help manage money, research investments, and even make sense of pensions and debt. According to new research from Lloyds Banking Group, 56% … Continue reading 🔹 The Age of Empowerment: How AI Is Liberating Financial Planning →

2026: The Extinction of Lifetime Cashflow Modeller Businesses

2026 will mark the end of an era for lifetime cashflow modelling software — and possibly for many advisers who depend on it. We’ve seen them all: Voyant, Timeline, Prestwood Truth, CashCalc — once considered cutting-edge tools for financial planning. These systems were designed to help advisers demonstrate value and justify asset-based fees by answering … Continue reading 2026: The Extinction of Lifetime Cashflow Modeller Businesses →

Holistic Wealth Planners in the Age of Agentic AI: How to Lead with Wisdom When Machines Can Think

As AI gains agency, the role of the planner shifts from expert to orchestrator — from authority to conscience. Introduction Artificial intelligence is evolving faster than any technology in living memory. The latest frontier—agentic AI—can not only generate ideas but act upon them, executing complex, multistep tasks once thought uniquely human. For CEOs, this shift … Continue reading Holistic Wealth Planners in the Age of Agentic AI: How to Lead with Wisdom When Machines Can Think →

When Oversight Becomes Theatre: What the FCA Teaches Us About True Empowerment

By Steve Conley, Academy of Life Planning “A watchdog that must keep its masters solvent cannot bite.” Britain is often praised for having one of the most tightly regulated financial systems in the world. Yet, time and again — from PPI to car-finance commissions — we witness the same grim pattern: abuse, denial, exposure, compensation, … Continue reading When Oversight Becomes Theatre: What the FCA Teaches Us About True Empowerment →

Case Study: When Compliance Goes Wrong — How the Academy of Life Planning Stepped In to Restore Fairness and Professional Standards

A true story (with identifiers removed) illustrating why conduct supervision and mentorship matter — both inside and outside the FCA perimeter. 1. The Background: From Adviser to Empowered Planner After years working in a traditional financial-advice firm, one planner decided to take a bold step: to leave the world of product intermediation and build a … Continue reading Case Study: When Compliance Goes Wrong — How the Academy of Life Planning Stepped In to Restore Fairness and Professional Standards →

🧭 Who Owns the Intention?

The Hidden Divide Between Captured and Sovereign AI Across financial planning, a quiet revolution is taking place. Artificial intelligence is learning to listen, analyse, and even sound like us. It can explain pensions, model cashflows, and deliver answers in seconds. But beneath the surface of this technological leap lies a deeper question — who owns … Continue reading 🧭 Who Owns the Intention? →

Why ChatGPT Users Aren’t the Industry’s Next Leads — They’re the Industry’s Successors

By Steve Conley, Founder, Academy of Life Planning When St James’s Place AI lead Peter Ferguson recently told the Money Marketing conference that “people using ChatGPT for advice could be a good thing,” he was half right. Yes — it is a good thing.But not for the reason he imagines. Ferguson suggested that AI users … Continue reading Why ChatGPT Users Aren’t the Industry’s Next Leads — They’re the Industry’s Successors →

🌍 Beyond Robo-Advice: How Life-First AI Can Redefine Wealth for Humanity

“If we train AI on product pipelines, it will entrench dependency.If we train it on human purpose, it will amplify sovereignty.” Artificial intelligence is transforming finance — but so far, it’s been trained to think like a salesperson, not a human being. Recent moves by big tech into financial advice (see below) signal a powerful … Continue reading 🌍 Beyond Robo-Advice: How Life-First AI Can Redefine Wealth for Humanity →