You Checked the FCA Register. You Were Still Scammed. From Advice to Agency A message arrives on WhatsApp. The sender appears to be a regulated financial adviser. They use the adviser’s real name, photograph, FCA registration number and company details. They recommend an investment. They create urgency. They tell you where to transfer the money. … Continue reading When the Trusted Adviser Is Not the Adviser
Tag: finance
Bitcoin Was Not Hacked. But That Does Not Mean the System Worked.
A balanced perspective for investors—and a warning to advisers being swept along by the “moonboy” narrative Bitcoin inspires unusually polarised thinking. To its strongest advocates, it is digital gold, an escape from monetary debasement and a decentralised alternative to a financial system they no longer trust. To its strongest critics, it is a speculative token … Continue reading Bitcoin Was Not Hacked. But That Does Not Mean the System Worked.
Same Expertise. Different Price.
Same Expertise. Different Price. The Academy of Life Planning has launched a new Cost Comparison Calculator to show what happens when the same level of professional expertise is priced in two very different ways. A Chartered Financial Planner can work in two fundamentally different models. As a conventional financial adviser, they may charge an ongoing … Continue reading Same Expertise. Different Price.
When Clients Become Assets: What the £4m SJP Court Dispute Reveals
SJP partners in court over £4m client bank sale dispute A £4 million court dispute between St James’s Place partners has cast an uncomfortable light on the trade in so-called “client banks”. Helen Rogers alleges that the portfolio of around 800 clients she acquired from retiring partners contained serious problems, including clients who had not … Continue reading When Clients Become Assets: What the £4m SJP Court Dispute Reveals
Financial Iceberg: ChatGPT Exposes Hidden Truths
Today I came across this post on LinkedIn: I ACCIDENTALLY UNLOCKED "GOD MODE" IN CHATGPT,AND IT STARTED TEACHING ME THINGS I DIDN'T KNEW EXISTED.HERE ARE THOSE 7 CHATGPT PROMPTS THAT WILL CHANGE EVERYTHING FOR YOU:Forbidden Wisdom DecoderPrompt:What are the lesser-known, under-the-surface truths about [insert topic/field] that are rarely shared publicly because they challenge mainstream thinking? … Continue reading Financial Iceberg: ChatGPT Exposes Hidden Truths
Do You Understand the Business Model Behind Your SJP Advice?
A clarity check for more than one million St. James’s Place clients Your adviser may know your family, your ambitions and your worries. They may have helped you through retirement, bereavement, a business sale or a difficult investment decision. You may trust them—and that trust may be well deserved. But there is another question worth … Continue reading Do You Understand the Business Model Behind Your SJP Advice?
From Registered Life Planner to Total Wealth Planner
Fifteen years ago, I completed the Registered Life Planner pathway with the Kinder Institute. It changed the way I listened, the way I planned and the way I understood the relationship between money and life. Today, I am a Total Wealth Planner. That journey was not a rejection of life planning. It was the next … Continue reading From Registered Life Planner to Total Wealth Planner
Is SJP Redesigning the Value of Advice—or the Economics of Intermediation?
St James’s Place is changing how it pays its advisers. From March 2027, ongoing advice remuneration that was previously paid annually will be distributed monthly. Partners will receive a transitional payment to bridge the change, while remuneration relating to mortgages and individual protection is also being revised. SJP says the changes will give partners smoother … Continue reading Is SJP Redesigning the Value of Advice—or the Economics of Intermediation?
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 FCA Is Shutting Down Investment Scams. But What Happens Before You Invest?
2,329 FCA Scam Warnings... But Would You Spot the Next One? The Financial Conduct Authority has published its latest Annual Report, highlighting a significant crackdown on investment crime. During the past year alone, the regulator issued more than 2,300 warnings about unauthorised or potentially fraudulent firms, secured criminal convictions for insider dealing and money laundering, … Continue reading The FCA Is Shutting Down Investment Scams. But What Happens Before You Invest?
Academy of Life Planning 