Optimism as Decision Capital: Why the Way We See the Future May Shape How Long We Can Live in It

There is a quiet shift taking place in the science of ageing. Not in pharmaceuticals.Not in genetics.But in something far less tangible — and far more accessible. A recent longitudinal study spanning the United States and Finland, tracking nearly 9,000 older adults over more than a decade, has added weight to an emerging idea: Those … Continue reading Optimism as Decision Capital: Why the Way We See the Future May Shape How Long We Can Live in It

Applied Institutional Economics for Personal Wealth

Conley, S. (2026).Applied Institutional Economics for Personal Wealth: The Case for Personal Wealth Governance.Academy of Life Planning. The Total Wealth Planning framework synthesises insights from institutional economics, behavioural economics, human capital theory, and decision science to develop a practical governance model for personal wealth. Why Wealth Governance Is the Missing Discipline in Financial Planning For … Continue reading Applied Institutional Economics for Personal Wealth

A New Profession Is Emerging in Financial Planning

Introducing the Total Wealth Planner For decades, financial planning has been organised around a simple idea: Help clients manage their financial capital. Investments.Pensions.Insurance.Portfolios. That model made perfect sense in a world where financial markets were opaque, products were complex, and consumers had little direct access to financial tools. But that world is changing rapidly. Three … Continue reading A New Profession Is Emerging in Financial Planning