Not every financial planning career is built to achieve the same purpose. A growing number of graduates are entering financial planning because they genuinely want to help people. They enjoy personal finance. They care about psychology. They like solving problems. They want to make a positive difference to people's lives. The profession needs people like … Continue reading Before You Accept That Graduate Financial Planning Job, Ask Yourself One Question
Tag: Financial Planning
From AI User to Total Wealth Planner: A Different Kind of Client Journey
What happened when one person spent weeks exploring Academy OS before asking for human support. For years, I've argued that artificial intelligence won't eliminate the need for financial planners. Instead, I believe it will change when people seek support, why they seek it, and what they expect from the conversation. Recently, I saw that theory … Continue reading From AI User to Total Wealth Planner: A Different Kind of Client Journey
Academy OS Is Now Live: AI That Strengthens Human Agency
For the past year, I've been building something that has gradually become much bigger than a collection of AI tools. Today, I'm pleased to announce the launch of the new Academy OS page on the Academy of Life Planning website. This isn't simply a software catalogue. It represents a different philosophy about the relationship between … Continue reading Academy OS Is Now Live: AI That Strengthens Human Agency
The Great Unbundling of Financial Planning
What Happens When AI Can Do Most of the Regulated Work? For thirty years, financial planning and financial advice have largely travelled together. In practice, most consumers have experienced financial planning through the lens of regulated financial advice. The planner gathered information, analysed circumstances, made recommendations, arranged products, implemented transactions, reviewed outcomes, and managed ongoing … Continue reading The Great Unbundling of Financial Planning
Restore Human Agency — and What That Means for the Future of Financial Planning
For years, the financial planning profession has largely been built around one central assumption: People need experts to take control. Control of investments.Control of products.Control of complexity.Control of decision-making. That model made sense in an era where financial information was scarce, expensive, fragmented, and difficult for ordinary people to access. But the world has changed. … Continue reading Restore Human Agency — and What That Means for the Future of Financial Planning
The FCA’s Tone Has Changed. And So Has the Risk.
Your Money or Your Life — Part II Last year, the Financial Conduct Authority effectively told the advice market not to panic. After two years of scrutiny into ongoing advice services, the regulator concluded that: 83% of reviews had taken place, 15% of clients had declined or ignored reviews, and fewer than 2% involved no … Continue reading The FCA’s Tone Has Changed. And So Has the Risk.
Renewal or Recycling? What Falling Adviser Age Really Signals
The industry is celebrating. A younger adviser profile.More academy entrants.A narrative of “renewal.” On the surface, it sounds like progress. For over a decade, the average UK adviser has been around 57–58.Recent data suggests that’s now falling into the late 40s—but with half the profession still over 50 and fewer than 6% under 30, this … Continue reading Renewal or Recycling? What Falling Adviser Age Really Signals
Four Pathways to the Future of Financial Planning
Why the advisers who move now will define the next decade The Profession Has Already Changed Something has shifted in 2026. For years, advisers have understood the argument for moving beyond product-led advice. The logic has always been clear: Clients want clarity, not complexity Trust comes from alignment, not incentives Planning should lead — products … Continue reading Four Pathways to the Future of Financial Planning
Five Sentences Advisers Say Before Leaving the Traditional Advice Model
Every profession evolves. Financial advice is no exception. For decades, the industry has been structured around a simple model: gather assets, construct portfolios, and charge a percentage of assets under management. But something is changing. Artificial intelligence is automating technical tasks. Clients are arriving more informed. And advisers themselves are beginning to question whether the … Continue reading Five Sentences Advisers Say Before Leaving the Traditional Advice Model
Claude Can Now Draft a Lifetime Cashflow Forecast, for Free!
What that means for client agency — and the future of “advice” in 2026 A quiet line has just been crossed. For decades, a lifetime cashflow forecast has been positioned as something you need software for… and often need a professional to operate. In 2026, that’s no longer true. With a general-purpose AI tool like … Continue reading Claude Can Now Draft a Lifetime Cashflow Forecast, for Free!
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