Britain does need growth. But we may have spent too long asking the wrong people what growth means. Something revealing happened this week. Britain had a new Prime Minister. And almost immediately, the financial establishment began telling him what he was allowed to do. Andy Burnham was warned that unless he restrained public spending, Britain … Continue reading When the Establishment Gives the Prime Minister His Orders
Tag: economy
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
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
Financial Planning or Financial Conditioning? Why Human Capital May Matter More Than Financial Products
The Octopus Money research is interesting — and in many ways encouraging. People who received guidance, structure, and support reported feeling more resilient, more hopeful, and more engaged with saving and investing. That matters. In summary, the survey suggests that people from lower socioeconomic backgrounds can experience significantly improved financial confidence and resilience when they … Continue reading Financial Planning or Financial Conditioning? Why Human Capital May Matter More Than Financial Products
The Trust Dividend: Why Structurally Trustworthy Financial Systems Would Create More Wealth, Not Less
For years, public debate around financial services has been framed as a battle between markets and consumers. One side argues that finance drives prosperity.The other argues that finance extracts wealth from society. But both sides may be missing something important. The real issue is not whether financial services should exist.The real issue is whether the … Continue reading The Trust Dividend: Why Structurally Trustworthy Financial Systems Would Create More Wealth, Not Less
Human Capital Is Not a Side Note — It Is the Plan
The industry still treats human capital as background noise.The evidence shows it is the signal. For decades, financial planning has been built on a narrow premise:optimise financial capital, and outcomes will follow. But the data tells a different story. The study provides a clear, empirical foundation for what Total Wealth Planners already intuitively understand: Economic … Continue reading Human Capital Is Not a Side Note — It Is the Plan
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
The Bridge Is Real: What the New AR Regime Signals for Financial Planners Considering Their Next Chapter
The regulatory landscape has shifted again — and this time, it’s structural. The recent announcement from HM Treasury confirming consultation on a tougher regime for 34,000 appointed representatives is not just another compliance update. It is a directional signal about where the profession is heading and what kind of planner will thrive in the next … Continue reading The Bridge Is Real: What the New AR Regime Signals for Financial Planners Considering Their Next Chapter
Academy of Life Planning 