How UK Banks Manufactured Defaults and Profited Through Unregulated SPVs Executive Summary This white paper reveals a hidden architecture within British banking that converts human distress into financial yield. Beneath the surface of ordinary mortgages and small-business loans lies a complex network of concealed credit lines, manufactured defaults, and unregulated securitisation vehicles. Together, these mechanisms … Continue reading White Paper | From Hidden Credit Lines to Hidden Owners
Tag: business
🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
💡 The Academy Welcomes Budget 2025: Britain Finally Puts Human Capital First “Strong Foundations, Secure Future” — that’s the slogan of the UK’s 2025 Budget. But beneath the fiscal charts and economic forecasts lies a much deeper signal: the government has finally recognised that the true foundation of wealth is human capital. This year’s Budget … Continue reading 🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
🚖 Waymo vs. Uber: When the Driver Becomes the Passenger
Let me tell you a story. A friend of mine was in San Francisco recently and decided to try one of those new Waymo autonomous taxis.You just open an app, order a car, and a few minutes later, up it rolls — completely empty.No driver. No small talk. No “Sorry, mate, wrong turn.”Just a quiet … Continue reading 🚖 Waymo vs. Uber: When the Driver Becomes the Passenger
“Earn While You Learn” or “Sell While You Serve”? What the New LIBF Apprenticeship Pathway Really Means for Financial Planning
A new “degree apprenticeship” route into financial advice has just been launched by the London Institute of Banking & Finance (LIBF) and Future Financial Adviser (FFA). It promises an appealing blend of “earn while you learn” opportunities, government-funded qualifications, and a fast track to chartered status. At first glance, it seems like a welcome move … Continue reading “Earn While You Learn” or “Sell While You Serve”? What the New LIBF Apprenticeship Pathway Really Means for Financial Planning
Human Capital Is the Hidden Engine of Holistic Wealth
Lessons for Holistic Wealth Planners from the Human Capital–Gallup Correlation MapBy Steve Conley | Academy of Life Planning Holistic Wealth Planners already know that numbers alone don’t create wealth — people do. Johan’s insightful mapping between Dr Mahesh Daru’s Human Capital Framework and Gallup’s Microeconomic Pathway makes this truth undeniable. It shows, with data and … Continue reading Human Capital Is the Hidden Engine of Holistic Wealth
After the Applause
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
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
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