I’ve sat in the room. I’ve experienced the training.The deep listening.The powerful questions.The emotional breakthroughs. And to be clear—there is real value in that work. For many advisers, it’s the first time they: Slow down Truly listen See the person before the portfolio It can feel transformative. But after the experience fades, a quieter question … Continue reading AI Didn’t Kill Financial Planning. It Exposed What Was Missing.
Tag: artificial-intelligence
The BSPS Scandal Wasn’t a Failure. It Was a Warning Ignored.
And the system still hasn’t learned the lesson. The FCA says the system worked.The Commissioner says it failed. Both can’t be true. For over 20 years, the UK regulator has known there is a problem in the defined benefit (DB) pension transfer market. Not suspected.Not emerging.Known. The original pension mis-selling scandal of the 1990s exposed … Continue reading The BSPS Scandal Wasn’t a Failure. It Was a Warning Ignored.
Salary or Self-Employment? For new planners, which path is actually safer in the age of AI?
For new planners, which path is actually safer in the age of AI? There is one objection that keeps coming up in conversations with Academy prospects: “I’d love to become a Total Wealth Planner, but I need the security of a salary.” It is a fair concern. It is also a revealing one. Because behind … Continue reading Salary or Self-Employment? For new planners, which path is actually safer in the age of AI?
From 90/10 to 99/1: The End of Intermediation
Why AI won’t just change financial advice — it will remove the need for it The financial advice industry is still asking the wrong question. “How can AI support advisers?” It’s the wrong lens. Because it assumes the adviser remains central. They don’t. The shift has already happened For decades, the model relied on three … Continue reading From 90/10 to 99/1: The End of Intermediation
AI Won’t Create a Golden Age of Financial Advice: It Will End It
The financial advice industry is asking the wrong question. Most commentary right now sounds like this: “How can firms use AI to improve advice?” It’s a comfortable question.A safe one. But it assumes something that is no longer true: 👉 That advice remains the centre of the system It doesn’t. The Real Shift Isn’t Technological … Continue reading AI Won’t Create a Golden Age of Financial Advice: It Will End It
When a £1bn Fraud Takes 20 Years: This Isn’t Failure — It’s Structural Untrustworthiness
“When a £1bn fraud takes over 20 years to resolve, with victims still waiting and institutions investigating themselves, the issue isn’t operational failure — it’s structural untrustworthiness.” Let’s be clear. This is not about one bank.It’s not about one regulator.And it’s not about one historical scandal. This is about the architecture of trust in the … Continue reading When a £1bn Fraud Takes 20 Years: This Isn’t Failure — It’s Structural Untrustworthiness
AI Is Making Financial Advice Faster. We’re Making It Optional.
There’s a growing consensus across the financial advice sector:AI is here to stay—but it must remain firmly in a supporting role. Recent commentary from advisers and technology providers reinforces a familiar narrative: AI improves efficiency Humans retain control Advice remains central On the surface, this sounds reasonable. Even reassuring. But underneath, something far more significant … Continue reading AI Is Making Financial Advice Faster. We’re Making It Optional.
Human Capital in the Age of AI: Why Financial Planning Must Evolve Beyond Money
“The real wealth of a nation—and a person—is not money. It is capability.” For decades, financial planning has been built on a simple premise: Accumulate financial capital → optimise returns → sustain retirement. But the evidence is clear. This model is incomplete.And in the age of AI, it is becoming obsolete. 1. The Blind Spot: … Continue reading Human Capital in the Age of AI: Why Financial Planning Must Evolve Beyond Money
AI Is Not the Risk. Loss of Control Is.
The financial services industry is beginning to push back. Not against AI itself—but against what AI represents. Because for the first time in decades, individuals are starting to make financial decisions without needing permission. And that changes everything. The Headline Says “Risk.” The Reality Says “Shift.” The Financial Conduct Authority has announced plans to accelerate … Continue reading AI Is Not the Risk. Loss of Control Is.
Four Pathways to the Future of Financial Planning
Why the advisers who move now will define the next decade The Profession Has Already Changed Something has shifted in 2026. For years, advisers have understood the argument for moving beyond product-led advice. The logic has always been clear: Clients want clarity, not complexity Trust comes from alignment, not incentives Planning should lead — products … Continue reading Four Pathways to the Future of Financial Planning
Academy of Life Planning 