Why the trailblazers of financial planning are moving from the regulated 1% to the human 100% Most financial planners did not enter the profession because they wanted a licence to sell products. They entered because they wanted to help people. They wanted to help people make better decisions, avoid costly mistakes, prepare for uncertainty and … Continue reading Who Said Financial Planning Needed a Product Licence?
Tag: finance
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?
The Salary Trap: What Is a Graduate Really Signing Up For in an AUM Advice Firm?
The Graduate Advice Trap: Your Salary, Their Assets, Someone Else’s Business A graduate enters financial services wanting to become a financial planner. They want to help people understand money, make better decisions and build a life around what matters. The industry offers them something apparently reassuring: A salary. Training. Professional qualifications. A career path. Perhaps, … Continue reading The Salary Trap: What Is a Graduate Really Signing Up For in an AUM Advice Firm?
When the Trusted Adviser Is Not the Adviser
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
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
Academy of Life Planning 