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?
Tag: artificial-intelligence
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.
If AI Agents Are Going to Make Financial Decisions, Who Should They Work For?
This week, FCA Chief Executive Nikhil Rathi made it clear that artificial intelligence is moving beyond assistance and into action. The next phase, he argued, is not simply AI helping people analyse information. It is the emergence of agentic systems that can coordinate, transact and execute decisions on behalf of others. The FCA has signalled … Continue reading If AI Agents Are Going to Make Financial Decisions, Who Should They Work For?
Agency Starts With Owning Your Own Data
For decades, we have been encouraged to place our trust in institutions. Banks hold our money. Platforms hold our conversations. Governments hold our records. Technology companies hold our digital lives. In return, we are promised convenience. Most of the time, the arrangement works. Until it doesn't. A company is acquired. A platform changes its terms. … Continue reading Agency Starts With Owning Your Own Data
Is AI Making Investors More Reckless — or More Capable?
If AI is already influencing how affluent investors research, assess and feel about risk, is the real question whether advisers can control its use — or whether they can help clients use it wisely while keeping final agency with the individual? HSBC’s research suggests AI is no longer peripheral. Among nearly 10,000 affluent and high-net-worth … Continue reading Is AI Making Investors More Reckless — or More Capable?
Why We Stopped Designing Apps and Started Designing Agency Infrastructure
At first, we thought we were building a collection of tools. My Life™ began as a sovereign personal record. Navigator™ emerged as a way of helping people make sense of complexity. Investigator™, The Leveller™, Get SAFE™, Get Secure™, and Goliathon™ each addressed a different challenge that people encounter when navigating financial systems, life transitions, or … Continue reading Why We Stopped Designing Apps and Started Designing Agency Infrastructure
The Trusted Agency-Restoration Layer: Helping People Use AI Without Being Used by AI
Financial services is entering a new phase. For decades, the industry has been organised around products, advice, distribution, regulation, platforms, documentation, and disclosure. The consumer has usually sat at the end of that chain: informed, nudged, sold to, advised, protected, categorised, risk-rated, and asked to consent. But something deeper is now changing. Artificial intelligence is … Continue reading The Trusted Agency-Restoration Layer: Helping People Use AI Without Being Used by AI
