Most financially capable people manage their own money successfully. You pay the bills. You run the household. You make sensible choices. You understand your income, pensions, savings, mortgage, family responsibilities, and future hopes well enough to get through ordinary life. But some moments are not ordinary. Retirement. Pension drawdown. Inheritance. Tax. Divorce. Bereavement. Later-life planning. … Continue reading Total Wealth Planner™: For Capable People Who Want Clarity Without Handing Over Control
Tag: finance
Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity
Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity Financial planning has a problem. The people who most need help navigating financial insecurity are often the people least likely to receive meaningful planning support. Not because they lack ability. Not because they lack potential. But because the traditional financial advice … Continue reading Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity
Why Are We Teaching Children About Financial Capital Before Human Capital?
The missing asset in school financial education There is a strange imbalance at the heart of financial education. Children are taught about money. They may learn about budgeting, saving, spending, borrowing, interest, pensions, and perhaps investing. These are useful topics. Nobody serious would argue that young people should leave school unable to understand debt, savings, … Continue reading Why Are We Teaching Children About Financial Capital Before Human Capital?
Do Good Works Excuse Asset-Hoovering?
A financial advice firm may do visible good in its local community: supporting charities, funding financial education, sponsoring grassroots sport, planting trees, and gaining credentials such as B Corp status. These activities may be sincere and worthwhile. But they do not, on their own, answer a separate consumer-protection question. If the firm’s commercial model includes … Continue reading Do Good Works Excuse Asset-Hoovering?
When Money Worries Become Health Worries: Why Income Security Is a Whole-Person Issue
Three-quarters of employees are now cutting back on routine healthcare because of the cost of living. That should stop us in our tracks. This is not just about people delaying a dental appointment, skipping an eye test, or putting off physiotherapy. It is a warning sign that financial pressure is spreading into every area of … Continue reading When Money Worries Become Health Worries: Why Income Security Is a Whole-Person Issue
2.2 Million People Think Pension Engagement Is Pointless. That Should Worry Us All.
Ask My Pension is now in free beta at AskMyPension.app — built to help people ask clearer pension questions before they give up. A new report from People’s Pension should give everyone in financial planning pause. According to research reported by Zoe Wickens, one in eight employees — around 2.2 million people — say it … Continue reading 2.2 Million People Think Pension Engagement Is Pointless. That Should Worry Us All.
One Mission. Four Doors.
Restoring human agency in financial and life decisions — through human support, AI-assisted systems, practitioner training, and safe recovery after financial harm. There is a simple idea sitting at the heart of the Academy of Life Planning. People do not need more systems that make them dependent. They need systems that help them recover their … Continue reading One Mission. Four Doors.
The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
For years, policymakers, regulators, pension providers, and financial institutions have worried about the "advice gap." How do we get more people saving? How do we encourage better pension outcomes? How do we help people invest for the future? These are important questions. But they overlook a more fundamental reality. You cannot save money you do … Continue reading The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
Introducing Get Secure: The Bridge to Freedom
For more than a decade, I have been asking a simple question. Why is it that the people who most need high-quality planning are often the people least able to access it? Traditional financial planning has largely been built around people who already have assets, investments, pensions, and wealth to manage. Yet millions of people … Continue reading Introducing Get Secure: The Bridge to Freedom
Former SJP partners hire lawyers to bring claim against advice giant
Group says advice company did not pay fair compensation for clients passed on to other appointed representatives, in case SJP describes as speculative. See Citywire article, 29 May 2026. The story centres on a growing dispute between former advisers of St. James's Place (SJP) and the firm's adviser network model. A group of former SJP … Continue reading Former SJP partners hire lawyers to bring claim against advice giant
Academy of Life Planning 