💼 The City Has Grown, But Its Soul Has Shrunk What London’s job boom tells us about the future of financial planning “London financial services jobs have risen 30% since 2019.”At first glance, that sounds like a renaissance story — a post-Brexit, post-pandemic comeback for the Square Mile. But look closer, and a different picture … Continue reading From City Pro to Superhuman: The Rise of the Holistic Wealth Planner
Tag: finance
🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
💡 The Academy Welcomes Budget 2025: Britain Finally Puts Human Capital First “Strong Foundations, Secure Future” — that’s the slogan of the UK’s 2025 Budget. But beneath the fiscal charts and economic forecasts lies a much deeper signal: the government has finally recognised that the true foundation of wealth is human capital. This year’s Budget … Continue reading 🌍 Human Capital is the New GDP: 10 Lessons for Holistic Wealth Planners from Budget 2025
“Earn While You Learn” or “Sell While You Serve”? What the New LIBF Apprenticeship Pathway Really Means for Financial Planning
A new “degree apprenticeship” route into financial advice has just been launched by the London Institute of Banking & Finance (LIBF) and Future Financial Adviser (FFA). It promises an appealing blend of “earn while you learn” opportunities, government-funded qualifications, and a fast track to chartered status. At first glance, it seems like a welcome move … Continue reading “Earn While You Learn” or “Sell While You Serve”? What the New LIBF Apprenticeship Pathway Really Means for Financial Planning
Key lessons for Holistic Wealth Planners
Here are the key lessons for Holistic Wealth Planners drawn from Essays on the Economics of Human Capital (Lucia Rizzica, UCL 2013) — translated from academic economics into the context of AoLP’s human-centred planning philosophy: 1. Aspiration Is an Economic Asset The UK “Widening Participation” study showed that raising non-cognitive traits such as aspiration and … Continue reading Key lessons for Holistic Wealth Planners
The Real Value of Advice: Why We Don’t Charge by the Pound of Assets Under Management
“If your worth is measured by the market, you’ve already sold your soul to it.” Across the financial advice industry, one number continues to dominate — 1%.Whether your wealth grows or falls, the adviser’s fee remains tethered to it. The Citywire Top 100 Firms 2025 and FCA data show the same pattern: ongoing charges clustered … Continue reading The Real Value of Advice: Why We Don’t Charge by the Pound of Assets Under Management
Key lessons for Holistic Wealth Planners
Here are the key lessons Holistic Wealth Planners can draw from Education, Growth and Income Inequality by Coen Teulings and Thijs van Rens: 1. Human Capital Drives Growth—But With Diminishing Returns The study confirms that education (a proxy for human capital) boosts GDP, but each additional year of education contributes less than the last. In … Continue reading Key lessons for Holistic Wealth Planners
AoLP Blog: “Let’s Get the Debate Over With”: You’re all doing financial planning wrong.
You’re all doing financial planning wrong.When one person stands against the crowd, it’s easy to dismiss them as difficult, disruptive, or wrong. But what if that one person simply sees the truth differently? For years, I’ve been that “annoying guy” in your feed saying the financial planning industry has lost its way. It’s not about … Continue reading AoLP Blog: “Let’s Get the Debate Over With”: You’re all doing financial planning wrong.
Reconceptualising Wealth: From Human Capital to Human Capability
In the Academy of Life Planning, we believe wealth is not what you have — it’s what you can do.This philosophy resonates powerfully with a landmark paper by Paula England and Nancy Folbre, Reconceptualizing Human Capital (2000) — a text that redefines what it means to be “wealthy” in human terms. Beyond the Balance Sheet … Continue reading Reconceptualising Wealth: From Human Capital to Human Capability
The Securitisation Trap: The Hidden System Behind UK Repossessions & Why Your Bank Won’t Let You Switch to Interest-Only
How Financial Engineering, Legal Ambiguity and Regulatory Silence Create Structural Risk for Homeowners A Quiet Crisis Behind the Possession Courts Most homeowners believe repossession happens for simple reasons: arrears, expired terms, or a broken agreement with their lender.But behind the scenes, a silent and vastly more complex machine is operating — one that even judges … Continue reading The Securitisation Trap: The Hidden System Behind UK Repossessions & Why Your Bank Won’t Let You Switch to Interest-Only
When “Independent” Advice Firms Disappear — The Plot Twist No One Saw Coming
Why the decline in regulated advice firms is not a crisis, but a turning point for Holistic Wealth Planners The headlines are alarming:“Number of independent advice firms continues to fall.”Commentators talk of consolidation, capacity issues, and the supposed “advice gap.” But the industry’s story is only half the truth. What’s collapsing is the old model … Continue reading When “Independent” Advice Firms Disappear — The Plot Twist No One Saw Coming
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