From Earnings to Impact: Redefining Human Capital through Holistic Wealth Planning

From Earnings to Impact: Redefining Human Capital through Holistic Wealth Planning By Steve Conley In the conventional world of financial planning, human capital is often reduced to a mathematical abstraction—the present value of future earnings. This narrow view, rooted in neoclassical economic thought, fails to capture the full spectrum of human potential and the expansive … Continue reading From Earnings to Impact: Redefining Human Capital through Holistic Wealth Planning →

The Great Tax Injustice: Why Ordinary Citizens Pay While Corporations Play

While UK governments talk tough on tightening public finances, their actions tell a different story. In an era of crumbling infrastructure, spiralling inequality, and unprecedented pressure on public services, it is not the wealthiest who are shouldering the burden—but ordinary citizens. From austerity to stealth taxes, successive governments have steadily shifted the financial weight onto … Continue reading The Great Tax Injustice: Why Ordinary Citizens Pay While Corporations Play →

The Growth Agenda Trap: How City Bankers Shape Government Policy to Serve Their Own Interests

For decades, City bankers have dictated the civil service playbook, driving a relentless “growth agenda” that prioritises financial products over real solutions. This leads to a cycle of government-sponsored financial schemes, marketed as the ultimate solution to economic and social challenges. These products, however, rarely deliver on their promises. Instead, they serve the financial institutions … Continue reading The Growth Agenda Trap: How City Bankers Shape Government Policy to Serve Their Own Interests →

Rethinking the UK’s Growth Agenda: Why Banking Alone Isn’t Enough

The UK Government’s focus on UK capital markets as a driver for economic growth raises important questions. While banking is a cornerstone of the economy, relying heavily on it risks overlooking opportunities in faster-growing, innovation-driven sectors. Here's what bankers are sharing with the government, shaping the direction of their "growth agenda": Losing our place as … Continue reading Rethinking the UK’s Growth Agenda: Why Banking Alone Isn’t Enough →

Unlocking Human Potential: A Holistic View of Human Capital

When we think of human capital, education often takes centre stage. But human capital is far more complex and multifaceted. To truly understand its potential for transforming lives and reducing inequality, we need to expand our definition and adopt a holistic approach. Education alone, like maintaining the water temperature in a tropical fish tank, won’t … Continue reading Unlocking Human Potential: A Holistic View of Human Capital →

Exploring Human Capital: An Inclusive Understanding of Intangible Wealth

In the evolving discourse around wealth and income, the interplay between human capital and financial capital takes centre stage. Total wealth, as I see it, is the sum of human capital and financial capital, net of financial liabilities. Here, financial capital represents tangible assets—those you can see and touch. Human capital, in contrast, is an … Continue reading Exploring Human Capital: An Inclusive Understanding of Intangible Wealth →

Raising Living Standards: A Welcome Shift for the Public and Holistic Financial Planners

Last week, Keir Starmer made a decisive shift in focus—moving from a narrow "growth objective" to a broader and far more meaningful goal: raising living standards. For the public and holistic financial planners alike, this is a breath of fresh air and a move in the right direction. Why? Because the old focus on growth … Continue reading Raising Living Standards: A Welcome Shift for the Public and Holistic Financial Planners →

A New Blow to Consumer Rights: The Government’s Plan to Curb Access to Free Dispute Representation

In what can only be seen as another move favouring financial corporations over the public, the Government’s latest initiative looks set to erode consumer rights in financial dispute claims. The proposal? Charging consumers who wish to be professionally represented when making a complaint to the Financial Ombudsman Service (FOS), the very institution that was set … Continue reading A New Blow to Consumer Rights: The Government’s Plan to Curb Access to Free Dispute Representation →

Human Capital Development: A Pathway to Financial Independence

With over 400,000 people facing cuts to their benefits, including those with mobility and mental health issues, it’s easy to feel like the system is failing us. Recent policy changes mean that many who were previously considered unfit for work will now be expected to seek employment, while seeing their financial support reduced. This is … Continue reading Human Capital Development: A Pathway to Financial Independence →