The right support at the right time. For decades, we have framed financial planning as a choice between two extremes. Do it yourself. Or hand responsibility to an adviser. Neither reflects how most people actually make decisions. Most of us are capable of managing much of our own lives. We seek help when life becomes … Continue reading Proportional Planning™: Support when it adds value. Agency remains yours.
Tag: artificial-intelligence
Academy OS Is Now Live: AI That Strengthens Human Agency
For the past year, I've been building something that has gradually become much bigger than a collection of AI tools. Today, I'm pleased to announce the launch of the new Academy OS page on the Academy of Life Planning website. This isn't simply a software catalogue. It represents a different philosophy about the relationship between … Continue reading Academy OS Is Now Live: AI That Strengthens Human Agency
Financial Regulation Should Create Trust. So Why Do So Many Victims Never Find Justice?
As Parliament debates reforms to the Financial Services and Markets Act (FSMA), much of the discussion has focused on economic growth, regulatory efficiency and reducing unnecessary burdens on business. Those are legitimate objectives. But there is another question that deserves equal attention. When financial regulation fails an individual, how does that individual obtain justice? For … Continue reading Financial Regulation Should Create Trust. So Why Do So Many Victims Never Find Justice?
AI Is Reshaping Financial Planning. But Is It Reshaping the Whole Picture?
AI and the Two-Sided Transition of Financial Planning The Financial Planning Standards Board (FPSB) has released an important new Practice Guidance Note on the use of artificial intelligence in financial planning. It is a timely and well-considered document that addresses one of the profession's most significant emerging challenges. Its central message is clear. Artificial intelligence … Continue reading AI Is Reshaping Financial Planning. But Is It Reshaping the Whole Picture?
When Clients Have AI Too
The profession is asking how advisers should use AI. But the more urgent question may be what advisers should do when clients have AI too. For the past two years, almost every conversation about artificial intelligence in financial planning has centred on the adviser. How can firms become more efficient? How can advisers automate administrative … Continue reading When Clients Have AI Too
What Is Your Financial Planning Business Really Optimising For?
The QBL Financial Planning Firm™ I actually think QBL Financial Planning Firm™ has the potential to become a recognised AoLP framework. It provides a memorable organisational counterpart to Total Wealth Planning. A Total Wealth Planner helps clients optimise across multiple forms of capital; a QBL Financial Planning Firm consciously organises its own business around the … Continue reading What Is Your Financial Planning Business Really Optimising For?
AI Literacy Before AI Leadership: Why Britain Needs an AI-Confident Population
AI Literacy Before AI Leadership: Why Britain Needs an AI-Confident Population By Graham Francis, Academy of Life Planning Member The conversation around Artificial Intelligence is accelerating. Governments are investing billions. Technology companies are competing to build ever more capable systems. Businesses are exploring how AI can improve productivity, reduce costs, and create new opportunities. Yet … Continue reading AI Literacy Before AI Leadership: Why Britain Needs an AI-Confident Population
The Great Unbundling of Financial Planning
What Happens When AI Can Do Most of the Regulated Work? For thirty years, financial planning and financial advice have largely travelled together. In practice, most consumers have experienced financial planning through the lens of regulated financial advice. The planner gathered information, analysed circumstances, made recommendations, arranged products, implemented transactions, reviewed outcomes, and managed ongoing … Continue reading The Great Unbundling of Financial Planning
What does the rise of AI girlfriends tell us about the state of human agency?
If millions of young people are choosing AI companions that never reject them, never challenge them, and never leave them, is the real story about artificial intelligence — or about what modern life is failing to provide? [Based on The terrifying rise of schoolboys making AI girlfriends, by Nicole Mowbray in The Telegraph Magazine. 6 … Continue reading What does the rise of AI girlfriends tell us about the state of human agency?
AoLP helps planners build better businesses, serve clients more effectively, and prepare for the future of planning in an age of AI and restored human agency.
The Academy of Life Planning helps planners become Total Wealth Planners by combining professional community, strategic support, AI-powered planning infrastructure, practical business development, and a philosophy centred on restoring human agency. Based on the mentorship sessions, Academy structure, Total Wealth OS roadmap, and the positioning we've been developing, I would describe the support provided to … Continue reading AoLP helps planners build better businesses, serve clients more effectively, and prepare for the future of planning in an age of AI and restored human agency.
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