Most new financial advisers are taught to plan only half a life. The familiar model—accumulation, transition, retirement, legacy—has become so normalised that few stop to ask a more fundamental question: What exactly are we planning? The answer, in practice, is almost always the same:financial capital. Savings. Investments. Pensions. Decumulation strategies. Estate planning. All important.All necessary.But … Continue reading Planning for Total Wealth: Why Human Capital Must Be at the Heart of Lifetime Planning
Tag: finance
AI Cash-Flow Planning vs Traditional Lifetime Cash-Flow Tools
A reflection for planners navigating what comes next For decades, lifetime cash-flow planning tools have played a central role in professional financial planning. They brought structure, consistency, and a sense of rigour to conversations about the future. Many advisers built their confidence — and their practices — around them. So it’s understandable that the emergence … Continue reading AI Cash-Flow Planning vs Traditional Lifetime Cash-Flow Tools
Human Capital Is Not a Soft Idea
Why Total Wealth Planners Are Closer to Economic Reality Than the Mainstream For over two centuries, economists have been telling us something the financial services industry still struggles to hear: Wealth is created by people, not products. A recent academic review of human capital theory traces this insight from Adam Smith through to modern growth … Continue reading Human Capital Is Not a Soft Idea
When the Debt Letters Arrive: Why Advisers Need a Bridge Before Legal Action
Over the past year, a quiet but troubling pattern has been emerging inside adviser networks. First, firms are deauthorised.Then advisers are moved, paused, or left in limbo.And only later do the debt letters arrive. A recent Citywire investigation has brought this pattern into sharp focus. The Morrinson Wealth case One of St James’s Place Wealth … Continue reading When the Debt Letters Arrive: Why Advisers Need a Bridge Before Legal Action
Beware the Open Gate: Why Stepping Outside the Regulatory Perimeter Puts You at Risk
A Get SAFE warning for citizens, savers, and investors There is a quiet but dangerous shift happening in UK financial regulation. The Financial Conduct Authority has proposed changes that would make it easier for individuals to be classified as “professional investors” — even without significant wealth — provided they pass a subjective assessment by a … Continue reading Beware the Open Gate: Why Stepping Outside the Regulatory Perimeter Puts You at Risk
When Your Lender Isn’t Really Your Lender
What the UK’s Private Credit Boom Means for People Who Lose Forbearance Overnight If you’ve ever been told: “We can’t help you anymore — the account is in default,”despite years of good conduct, illness, or temporary hardship — this article is for you. Recent warnings from the House of Lords confirm something Get SAFE members … Continue reading When Your Lender Isn’t Really Your Lender
Adviser Bridge: Why the Academy of Life Planning Supports Advisers Before Lawyers Get Involved
Transitions are part of modern financial advice. Yet for many regulated advisers, leaving a firm or changing structure has become one of the most stressful and disempowering moments of their professional lives. Exit conditions, repayment demands, Business Start-Up or support arrangements, restrictive correspondence, and unclear obligations often surface all at once — frequently accompanied by … Continue reading Adviser Bridge: Why the Academy of Life Planning Supports Advisers Before Lawyers Get Involved
Human Capital Is the Missing Asset Class: What Total Wealth Planners Must Learn from the Energy Transition
What Do We Mean by the “Energy Transition”? The energy transition refers to the global shift from fossil-fuel-based energy systems (coal, oil, and gas) toward cleaner, lower-carbon sources such as renewables, electrification, and energy efficiency. At its core, it is not just a technological upgrade. It is a structural transformation of how economies produce, distribute, … Continue reading Human Capital Is the Missing Asset Class: What Total Wealth Planners Must Learn from the Energy Transition
What Best-Practice Client Onboarding Looks Like for a Total Wealth Planner — and Why It Matters
In financial services, most problems don’t start with bad advice. They start with bad beginnings. Confused expectations.Blurred roles.Too much given away too early — or too little structure when it mattered most. Total Wealth Planning exists precisely to correct that. Not by adding complexity, but by restoring clarity, boundaries, and client ownership from the very … Continue reading What Best-Practice Client Onboarding Looks Like for a Total Wealth Planner — and Why It Matters
From Evidence to Empowerment: Why Financial Literacy Tests Are Necessary — and Why They Are Not Enough
An Academy of Life Planning perspective on Britain’s overdue reckoning Last week, Michael Mainelli, Chairman of Z/Yen Group and former Lord Mayor of the City of London, published a sharp and timely intervention calling on the UK to stop avoiding international scrutiny and finally participate in the OECD PISA Financial Literacy Assessment. His argument is … Continue reading From Evidence to Empowerment: Why Financial Literacy Tests Are Necessary — and Why They Are Not Enough
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