By the Academy of Life Planning There’s a special kind of moment when a career completes its circle.The firm is thriving, the numbers have aligned, and the offer on the table feels almost poetic — a multiple of recurring revenue that quantifies years of care and craft. You sign the agreement. Messages flood in — … Continue reading After the Applause
Tag: business
The Securitisation Trap: The Hidden System Behind UK Repossessions & Why Your Bank Won’t Let You Switch to Interest-Only
How Financial Engineering, Legal Ambiguity and Regulatory Silence Create Structural Risk for Homeowners A Quiet Crisis Behind the Possession Courts Most homeowners believe repossession happens for simple reasons: arrears, expired terms, or a broken agreement with their lender.But behind the scenes, a silent and vastly more complex machine is operating — one that even judges … Continue reading The Securitisation Trap: The Hidden System Behind UK Repossessions & Why Your Bank Won’t Let You Switch to Interest-Only
When “Independent” Advice Firms Disappear — The Plot Twist No One Saw Coming
Why the decline in regulated advice firms is not a crisis, but a turning point for Holistic Wealth Planners The headlines are alarming:“Number of independent advice firms continues to fall.”Commentators talk of consolidation, capacity issues, and the supposed “advice gap.” But the industry’s story is only half the truth. What’s collapsing is the old model … Continue reading When “Independent” Advice Firms Disappear — The Plot Twist No One Saw Coming
When the Public “Plays Lawyer”: What the Legal Sector Isn’t Seeing — and Why Independent AI Is Now Essential
By Steve ConleyFounder, Get SAFE – Support After Financial ExploitationAcademy of Life Planning Across the legal profession, there is growing frustration with clients who arrive to meetings armed with AI-generated analysis. Blog posts worry about “AI hallucinations,” “scope creep,” and clients who “second-guess” professional advice. See: When clients play lawyer: the hidden cost of AI-assisted … Continue reading When the Public “Plays Lawyer”: What the Legal Sector Isn’t Seeing — and Why Independent AI Is Now Essential
Mind the Gap: A Day Inside Britain’s Financial Illusion — and the Quiet Resistance Rising Against It
Thursday 13 November 2025 will go down as one of the most revealing days of my career. It was a tale of two worlds. In the morning, I stood in the ExCeL Centre surrounded by more than 2,000 advisers at the PFS “Power” Conference — a rally called Mind the Gap. The message repeated all … Continue reading Mind the Gap: A Day Inside Britain’s Financial Illusion — and the Quiet Resistance Rising Against It
The Day the Banks Chose Extraction Over Trust
It was 2011.I was Head of Investments at HSBC and Chair of the British Bancassurance Association’s Steering Group in the run-up to the Retail Distribution Review. I remember sitting in those meetings, confused about why the Sales Director always accompanied me. He never said a word. At the time, I thought it was simply political … Continue reading The Day the Banks Chose Extraction Over Trust
Trust Delivers Growth — Growth Doesn’t Deliver Trust
By Steve ConleyFounder, Academy of Life Planning & Get SAFETransparency Task Force Advisory Group Member When Britain’s regulators talk about “balancing” growth with consumer protection, they reveal that they’ve misunderstood the order of cause and effect. It is trust that delivers growth — not the other way around. No economy, no company, no nation can … Continue reading Trust Delivers Growth — Growth Doesn’t Deliver Trust
🧭 Products and Services Must Be Structurally Trustworthy
Empowerment starts with trust — not just training. The Financial Conduct Authority (FCA) is right to highlight the “understanding gap” under the Consumer Duty. Speaking at the Fair4All Finance Delivering Financial Inclusion Together Conference, chief executive Nikhil Rathi said widening access to financial services without improving understanding risks “points of vulnerability where small decisions carry … Continue reading 🧭 Products and Services Must Be Structurally Trustworthy
🌌 The Six Invisible Laws Every Holistic Wealth Planner Should Know
— How to work with energy, ethics, and timing in the Aquarian Age of Empowerment In the world of holistic wealth planning, numbers and strategies matter — but energy, intention, and alignment matter more. The best planners don’t just design financial blueprints; they harmonise with deeper laws that govern all creation. These laws are not … Continue reading 🌌 The Six Invisible Laws Every Holistic Wealth Planner Should Know
🔹 The Age of Empowerment: How AI Is Liberating Financial Planning
Over half of UK adults are no longer waiting for the financial industry to “look after them.” They’re taking matters into their own hands — and turning to AI tools like ChatGPT to help manage money, research investments, and even make sense of pensions and debt. According to new research from Lloyds Banking Group, 56% … Continue reading 🔹 The Age of Empowerment: How AI Is Liberating Financial Planning
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