For years, the financial advice industry has told itself a comforting story. That story says the public needs advice because money is complex, regulation is difficult, products are technical, and ordinary people cannot be expected to make good decisions without professional guidance. There is some truth in that. Money decisions can be complex. Pensions, tax, … Continue reading The Advice Diaspora: Why the Future of Planning May Belong to Those Who Leave the Old System Behind
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The Financial Advice Market Is Still Selling Dependency. Consumers Are Moving Towards Agency.
How should we understand the emerging shift from dependency to agency in the financial advice market, particularly as AI reduces information asymmetry and increases consumers’ ability to understand, model and challenge financial decisions for themselves? My working hypothesis is that the supply side of the market remains relatively rigid and anchored in the traditional dependency … Continue reading The Financial Advice Market Is Still Selling Dependency. Consumers Are Moving Towards Agency.
The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
There are two easy stories about AI and jobs. The first says everything will be fine. Technology makes work cheaper, the economy grows, people move into better roles, and the disruption eventually settles into progress. The second says the opposite. AI will wipe out millions of jobs, hollow out professions, and leave people stranded before … Continue reading The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
AoLP as an Agency-Restoration Ecosystem
How do we restore human agency in the age of AI and institutional power asymmetry? The defining question of the AI age may not be whether machines become more intelligent. It may be whether human beings become less capable of acting for themselves. For decades, individuals have lived with a growing power asymmetry between themselves … Continue reading AoLP as an Agency-Restoration Ecosystem
AI Does Not Just Need a Pause. It Needs a Purpose: Restoring Human Agency Before Power Concentrates Beyond Reach
Anthropic, the company behind Claude, has reportedly called for the option of a global pause or slowdown in frontier AI development. Its argument is stark. If the development of more powerful AI systems could be slowed effectively, the world would have more time to understand and manage the consequences. The concern is not simply that … Continue reading AI Does Not Just Need a Pause. It Needs a Purpose: Restoring Human Agency Before Power Concentrates Beyond Reach
AI or Nothing: The Missing Question in the Financial Advice Debate
When most people cannot access financial advice, should we be asking whether AI threatens advisers — or whether it finally gives the unsupported majority a first step back to agency? Source: 9 in 10 advisers expect AI to affect client relationships, Financial Planning Today, 5th June 2026. The story says 68% of advisers are concerned … Continue reading AI or Nothing: The Missing Question in the Financial Advice Debate
Goliathon v2.0 Has Arrived: Building an Evidence Dossier Just Became Much Easier
"When you're overwhelmed, the hardest part is often knowing where to start." For many people affected by financial exploitation, negligence, maladministration, or other forms of harm, the evidence exists. The problem is not the lack of evidence. The problem is organising it. Letters. Emails. Screenshots. Medical notes. Regulatory correspondence. Court papers. Phone records. Photographs. Hundreds … Continue reading Goliathon v2.0 Has Arrived: Building an Evidence Dossier Just Became Much Easier
KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
KPMG's AI in Finance 2026 report concludes that AI is moving from an experimental technology to a core operating capability, with 76% of organisations now using AI in financial planning and 71% reporting that it meets or exceeds ROI expectations. The greatest benefits are not coming from cost reduction or automation alone, but from improved … Continue reading KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
Move first or fall behind: How AI is rewriting the rules of banking
AI is poised to reshape banking not just by cutting costs, but by redistributing profits, redefining customer relationships, and accelerating competition. How should banks respond? Source: McKinsey Report, 29th may 2026. There is a great deal here that reinforces themes the Academy has been exploring for years, but there are also some important cautions. At … Continue reading Move first or fall behind: How AI is rewriting the rules of banking
The Age of Human Agency Has Arrived
Why AI Could Be the Greatest Empowerment Tool in Human History A recent newspaper article in the Telegraph explored an emerging battle between the world's largest consulting firms and Silicon Valley AI companies. The story focused on how firms such as OpenAI and Anthropic are moving beyond software and into consultancy services, challenging the dominance … Continue reading The Age of Human Agency Has Arrived
Academy of Life Planning 