The FCA’s Tone Has Changed. And So Has the Risk.

Your Money or Your Life — Part II Last year, the Financial Conduct Authority effectively told the advice market not to panic. After two years of scrutiny into ongoing advice services, the regulator concluded that: 83% of reviews had taken place, 15% of clients had declined or ignored reviews, and fewer than 2% involved no … Continue reading The FCA’s Tone Has Changed. And So Has the Risk.

From Victim Silence to Structural Trust: A Message to Financial Planners

I’m often told my framing of financial planners as either exploiting or empowering is too binary — and I understand why that can offend. It’s not meant to. If you’ve ever felt accused by my words, please know this: my frustration isn’t directed at you. It’s born from the voices I hear daily — people … Continue reading From Victim Silence to Structural Trust: A Message to Financial Planners

Whole-Person Wellbeing: The Key to Happiness is Social Fitness

What does it take to lead a happy and fulfilled life? For decades, this question has intrigued researchers, philosophers, and everyday people alike. A landmark study, launched by Harvard University in 1938 and spanning 85 years, has provided a striking answer: happiness is deeply rooted in the quality of our social relationships. While money, career … Continue reading Whole-Person Wellbeing: The Key to Happiness is Social Fitness

The GAME Plan vs. “Manifest and Grind”: A New Way to Empower Young People

Economic inactivity among young people is a pressing issue, and tackling it effectively demands more than traditional approaches. Alice Thomson’s article in The Times rightly highlights the need for greater support for the young. However, her proposed solution—a mix of tough love and systemic tweaks—still clings to outdated assumptions about work as drudgery and success … Continue reading The GAME Plan vs. “Manifest and Grind”: A New Way to Empower Young People