From Earning Capacity to Human Possibility: Human Capital Lessons for the Total Wealth Planner The central argument is that conventional financial planning tends to treat human capital as an assumption behind the cashflow forecast—salary, retirement age and perhaps future earnings growth. The literature we have reviewed suggests something much richer. Human capital is an asset … Continue reading The Asset You Live Inside
Tag: economics
Finance Is Growing. But Are People?
A Campaign for Citizen Outcomes, Saver Sovereignty and Human Agency Britain is repeatedly told that what is good for the financial sector is good for the country. More capital must be “unlocked.” More pension money must be directed towards productive investment. Regulation must become less burdensome. Consumers must become more comfortable with risk. The financial … Continue reading Finance Is Growing. But Are People?
Human Capital Funds Growth. Financial Capital Only Finances It.
Introducing the Paper What Is the Major Relationship Between Human Capital and Economic Growth? is an article review prepared by Abdella Mohammed Ahmed (M.Sc.) of the Department of Economics at Oda Bultum University’s College of Business and Economics. The paper examines a question that is often obscured by conventional discussions of investment and growth: does … Continue reading Human Capital Funds Growth. Financial Capital Only Finances It.
The Government Wants Finance to Drive Growth. But Finance Does Not Create Wealth on Its Own
Restoring human agency in a structurally untrustworthy system The Government says it wants growth. Few would disagree with the objective. Britain needs greater productivity, stronger businesses, higher incomes and sustainable public finances. The more important question is: What actually causes an economy to grow? The Government’s Financial Services and Markets Bill appears to begin with … Continue reading The Government Wants Finance to Drive Growth. But Finance Does Not Create Wealth on Its Own
Andy Burnham will give mayors and councils responsibility for helping a “lost generation”
How to get nearly one million young people into work. Burnham to give mayors powers to help ‘lost generation’ of Neets. The regional devolution plan will shift Whitehall budgets to local authorities as unemployment among young people hits record high across the country. The story is about a significant proposed shift in how the UK … Continue reading Andy Burnham will give mayors and councils responsibility for helping a “lost generation”
The finance curse is devouring the UK
Is the Finance Industry Devouring the UK Economy — or Have We Forgotten What Creates Wealth? A recent article by Prem Sikka asks a provocative question: has Britain's obsession with finance come at the expense of the real economy? It is a question worth asking. For decades, successive governments have treated the financial services sector … Continue reading The finance curse is devouring the UK
Total Wealth OS: The World’s First Sovereign Wealth Operating System
Total Wealth OS: The World’s First Sovereign Wealth Operating System Artificial intelligence is changing the structure of financial power. For decades, people have been told that wealth management means handing over control. Delegate to the adviser. Trust the platform. Follow the institution. Accept the product menu. Pay the ongoing fee. That model was built for … Continue reading Total Wealth OS: The World’s First Sovereign Wealth Operating System
Financial Planning or Financial Conditioning? Why the Honours System Reveals What Financial Services Still Rewards
The King’s Birthday Honours List 2026 offered a small but revealing moment for anyone watching the future of financial planning. Chris Hulatt, co-founder of Octopus Group, was awarded a CBE for services to entrepreneurship. On one level, this is easy to understand. Octopus has become one of the most visible entrepreneurial success stories in UK … Continue reading Financial Planning or Financial Conditioning? Why the Honours System Reveals What Financial Services Still Rewards
The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
For decades, financial planning has been built around a narrow idea of wealth. Money. Assets. Investments. Pensions. Portfolios. Tax wrappers. These things matter. But they are not the whole story. In many cases, they are not even the starting point. The deeper question is this: What enables a person to live well, adapt, contribute, recover, … Continue reading The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
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.
