Many people assume that financial advice and financial planning are interchangeable terms – two ways of describing the same thing. However, this could not be further from the truth! The key difference between a financial planner and a financial adviser lies in their approach and focus. Understanding this distinction can make all the difference in … Continue reading Financial Advice is an Industry, Financial Planning is a Profession
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Factoring Inheritance into Your Lifetime Cashflow Plan: The Risks and Alternatives
Many of us dream of reaching significant milestones, whether it's buying a home, starting a business, or planning that long-awaited adventure. In recent years, some have come to rely on the idea of an inheritance to help fund these major life events. But while it can be tempting to factor in an expected windfall into … Continue reading Factoring Inheritance into Your Lifetime Cashflow Plan: The Risks and Alternatives
Understanding Financial Planning: Your Guide to Non-Regulated Advice and Empowering Your Financial Future
When it comes to financial planning, it’s important to understand that not all advice is the same—especially when it comes to regulation. Financial planning that doesn't involve specific financial advice is not considered a regulated activity. This can be reassuring for those looking to seek or provide guidance on broader financial strategies without the complexity … Continue reading Understanding Financial Planning: Your Guide to Non-Regulated Advice and Empowering Your Financial Future
Why Choosing the Right Professional Body Matters for Your Financial Planning Career
Starting your career as a financial planner is an exciting yet crucial journey. You’re not just looking to build a profession; you’re embarking on a path that will influence the financial wellbeing of your clients for years to come. One of the most important early decisions you'll need to make is aligning with the right … Continue reading Why Choosing the Right Professional Body Matters for Your Financial Planning Career
8 Essentials that Differentiate Holistic Financial Planning from Traditional Financial Planning
Traditional financial planning often revolves around intermediating services provided by financial advisers. Holistic financial planning, however, offers a broader and deeper approach. Here, we explore eight features that distinguish holistic financial planning from its traditional counterpart. Authenticity Holistic financial planning begins with a process of self-discovery, often called values-based financial planning. Planners help clients identify … Continue reading 8 Essentials that Differentiate Holistic Financial Planning from Traditional Financial Planning
The Future of Financial Planning: Why the Academy of Life Planning Should Become a Professional Body
In today's rapidly evolving financial planning landscape, there is a clear and growing need for professional financial planners who are not tied to product sales. As market dynamics shift, the need for a dedicated professional body that represents these non-intermediating financial planners has never been more apparent. The Academy of Life Planning (AoLP) is uniquely … Continue reading The Future of Financial Planning: Why the Academy of Life Planning Should Become a Professional Body
Discover “The Weekly Waffle” – Your Gateway to Empowered Financial Planning
Are you a personal or professional financial planner seeking to develop holistic financial plans? If so, the Academy of Life Planning’s weekly newsletter, "The Weekly Waffle," is tailored just for you. Unlike traditional financial advisers, our target audience comprises empowered, autonomous planners of tomorrow who prioritise client empowerment and financial literacy over mere delegation. Why … Continue reading Discover “The Weekly Waffle” – Your Gateway to Empowered Financial Planning
“Take Control of Your Financial Future with HapNav”
HapNav is the world's first end-user financial planning app integrated with Open Banking, designed to empower Gen XYZs to take control of their finances without relying on distrusted intermediaries. Priced affordably at just £6.99 per month, HapNav offers an accessible, user-friendly solution to manage your financial journey from wisdom to security, freedom, and beyond. Why … Continue reading “Take Control of Your Financial Future with HapNav”
The Call for an Impartial Financial Education Hub
In the ever-evolving landscape of financial education, there is an increasing call for the creation of a centralised educational hub. This hub aims to bridge the gap between financial influencers (finfluencers) and financial firms, ensuring that the public receives accurate, unbiased financial education. However, for this initiative to succeed, it is imperative to maintain a … Continue reading The Call for an Impartial Financial Education Hub
Financial Planning is a Profession, Financial Intermediation is an Industry: Why the CII and PFS are in Trouble
The Chartered Insurance Institute (CII) and the Personal Finance Society (PFS) have long stood as pillars in the world of financial services. Yet, their recent struggles indicate a fundamental misunderstanding of the evolving landscape of financial planning and intermediation. As a Chartered Insurer since 1989 and a Chartered Financial Planner since 2017, I have witnessed … Continue reading Financial Planning is a Profession, Financial Intermediation is an Industry: Why the CII and PFS are in Trouble
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