How UK borrowers’ payments are routed through a web of orphan companies in London and offshore SPVs — tax-written to minimise leakage and shield investors from insolvency, while borrowers are kept in the dark Banks tell customers: “We’re still your lender.” Behind the scenes the credit has already been sliced, shipped and securitised. The industry … Continue reading The Exploiters’ Playbook
Tag: finance
Most financial plans are built on products, not purpose
Yesterday, during our CPD Masterclass The Structurally Trustworthy Architect, a new member challenged me when I said, “Most people’s financial plans are built on products, not purpose.” He was adamant that good financial planners—like him—do factor in human capital strategies when building lifetime cashflow plans. I said, “Then you’re the first financial adviser I’ve met … Continue reading Most financial plans are built on products, not purpose
Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
For 15 years, the GAME Plan has been the backbone of how we help people design lives of purpose, security, and freedom. Until now, it’s mainly been delivered through one-to-one work, workshops, and courses. Today, that changes. The AI GAME Plan is now live — a fully guided, AI-powered experience that helps anyone, anywhere, in … Continue reading Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
The Rules of the Game Are Being Rewritten — and the Referees Are Looking the Other Way
By the Academy of Life Planning As 2025 draws to a close, the Bank of England has sent a mixed message:⚠️ Financial stability risks are rising, yet 🪓 capital requirements for banks are being cut. It’s a move that captures the paradox of modern finance — one hand tightening supervision of shadow banks like Goldman … Continue reading The Rules of the Game Are Being Rewritten — and the Referees Are Looking the Other Way
Regulators Finally Blink: The Shadow Banking Stress Test Citizens Have Waited For
By Get SAFE – Support After Financial Exploitation For the first time, Britain’s regulators have turned their gaze toward the murky world of shadow banking.This week, the Bank of England confirmed that giants like Goldman Sachs, Oaktree, Carlyle, and ICG will take part in a system-wide “exploratory scenario” — a stress test designed to expose … Continue reading Regulators Finally Blink: The Shadow Banking Stress Test Citizens Have Waited For
💡 When the OECD Calls It a Constraint, We Call It a Recalibration
Why Britain’s New Tax Era Could Unlock Human Capital Growth “A nation can tax wealth and still grow — if it grows its people.”— Steve Conley, Academy of Life Planning ⚖️ The Headlines Mislead The OECD has warned that Rachel Reeves’s record tax rises will “constrain economic growth for years” and “deter saving.”Their logic is … Continue reading 💡 When the OECD Calls It a Constraint, We Call It a Recalibration
🏦 The Rules of the Game Are Being Rewritten Again — and the Referees Are Looking the Other Way
By Steve Conley, Founder, Academy of Life Planning & Get SAFE Initiative The quiet return of deregulation When Paul Thwaite, the chief executive of NatWest, declared this week that the UK is “closer to the start than the finish line” in its mission to overhaul regulation, he wasn’t issuing a warning. He was celebrating. And … Continue reading 🏦 The Rules of the Game Are Being Rewritten Again — and the Referees Are Looking the Other Way
💣 When the Bank Runs Dry: What Lloyds’ 2011 Meltdown Reveals About the Hidden Mortgage Machine
In 2011, Lloyds Banking Group — the trusted black horse of the British high street — was secretly broke. Its CEO, António Horta-Osório, discovered too late that the bank had been surviving not on depositor cash, but on borrowed money — “hundreds of billions of pounds from other institutions,” as the Financial Times later reported. … Continue reading 💣 When the Bank Runs Dry: What Lloyds’ 2011 Meltdown Reveals About the Hidden Mortgage Machine
Calling All Financial Planners: It’s Time to Reskill as a Total Wealth Planner
The financial world is changing fast — and so must you.If you’re a financial planner still focused on products and portfolios, it’s time to invest in yourself. The future belongs to Total Wealth Planners — professionals who help people plan their lives, not just their money. Here’s why this shift isn’t optional — it’s your … Continue reading Calling All Financial Planners: It’s Time to Reskill as a Total Wealth Planner
💠 The Invisible Owner: When a Mortgage Isn’t What It Seems
How Get SAFE Helped Stop a Tragic Eviction Before Christmas Last week, we helped an elderly couple avoid what could have been a fatal injustice.After fourteen years of battling an untraceable lender, they were days away from being evicted from their home — despite serious medical conditions and overwhelming evidence that the bank trying to … Continue reading 💠 The Invisible Owner: When a Mortgage Isn’t What It Seems
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