When Clients Become Assets: What the £4m SJP Court Dispute Reveals

SJP partners in court over £4m client bank sale dispute A £4 million court dispute between St James’s Place partners has cast an uncomfortable light on the trade in so-called “client banks”. Helen Rogers alleges that the portfolio of around 800 clients she acquired from retiring partners contained serious problems, including clients who had not … Continue reading When Clients Become Assets: What the £4m SJP Court Dispute Reveals →

Financial Iceberg: ChatGPT Exposes Hidden Truths

Today I came across this post on LinkedIn: I ACCIDENTALLY UNLOCKED "GOD MODE" IN CHATGPT,AND IT STARTED TEACHING ME THINGS I DIDN'T KNEW EXISTED.HERE ARE THOSE 7 CHATGPT PROMPTS THAT WILL CHANGE EVERYTHING FOR YOU:Forbidden Wisdom DecoderPrompt:What are the lesser-known, under-the-surface truths about [insert topic/field] that are rarely shared publicly because they challenge mainstream thinking? … Continue reading Financial Iceberg: ChatGPT Exposes Hidden Truths →

Do You Understand the Business Model Behind Your SJP Advice?

A clarity check for more than one million St. James’s Place clients Your adviser may know your family, your ambitions and your worries. They may have helped you through retirement, bereavement, a business sale or a difficult investment decision. You may trust them—and that trust may be well deserved. But there is another question worth … Continue reading Do You Understand the Business Model Behind Your SJP Advice? →

Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them?

From Assets Under Management to Agency Under Development. For decades, the financial-services business model has been built around a simple proposition: People do not understand money well enough to manage it themselves. So they should delegate. Delegate the analysis.Delegate the decisions.Delegate the implementation.Delegate the ongoing management. Then pay someone, often indefinitely, for the privilege. Artificial … Continue reading Could You Make a Living Teaching Citizens to Use AI—Instead of Managing Their Money for Them? →

You Don’t Have to Abandon Advice to Start Restoring Agency

Many regulated financial advisers can see that the relationship between clients, technology and professional expertise is changing. They understand the argument for greater client capability. They recognise that AI is reducing information asymmetry. They may even agree that financial planning should leave people more able to understand, choose and act for themselves. But agreement does … Continue reading You Don’t Have to Abandon Advice to Start Restoring Agency →

Is SJP Redesigning the Value of Advice—or the Economics of Intermediation?

St James’s Place is changing how it pays its advisers. From March 2027, ongoing advice remuneration that was previously paid annually will be distributed monthly. Partners will receive a transitional payment to bridge the change, while remuneration relating to mortgages and individual protection is also being revised. SJP says the changes will give partners smoother … Continue reading Is SJP Redesigning the Value of Advice—or the Economics of Intermediation? →

Planner Story No. 1: The Financial Adviser Who Discovered Clients Would Pay to Become More Capable

Planner Story No. 1 The Financial Adviser Who Discovered Clients Would Pay to Become More Capable After more than twenty years in financial advice, Mushtaq Jaigirdar faced a question many experienced advisers quietly carry: would people still value his expertise if it was no longer attached to products, portfolios or permanent dependency? The breakthrough did … Continue reading Planner Story No. 1: The Financial Adviser Who Discovered Clients Would Pay to Become More Capable →

Why Agency Is Preferable to Advice

The purpose of a Total Wealth Planner is not to become indispensable. It is to make the individual progressively more capable of navigating life without unnecessary dependence on any expert—including themselves. Advice creates dependency. Agency builds capability. A good adviser solves today's problem.A Total Wealth Planner helps someone solve tomorrow's problem themselves. Advice transfers decisions. … Continue reading Why Agency Is Preferable to Advice →

Don’t Just Optimise for AI. Build the Capability AI Will Recommend.

Every organisation seems to be asking the same question. "How do we get AI to recommend us?" It's the wrong question. The better question is: What are we teaching AI about who we are? Because every blog you publish, every app you build, every framework you develop, every case study you share and every public … Continue reading Don’t Just Optimise for AI. Build the Capability AI Will Recommend. →

Introducing GiftFlow™: Restoring Human Agency, One Gift at a Time

Today we're delighted to announce the launch of GiftFlow™, the latest addition to the Academy OS ecosystem. GiftFlow is available now at: https://gift-flow.app/ GiftFlow exists for one simple reason. Most families don't struggle because inheritance tax law is complicated. They struggle because the evidence disappears. Seven years of gifts.Bank transfers spread across multiple accounts.Regular support … Continue reading Introducing GiftFlow™: Restoring Human Agency, One Gift at a Time →