Are you an SJP adviser feeling the pressure?Or do you know someone stuck in that system—frustrated, exhausted, conflicted? If so, you’re not alone.And there is another way. ✅ Let’s start with two simple questions: Do you want to run a planning business built around your values, not someone else’s targets? Do you believe clients deserve … Continue reading Is It Time to Leave St. James’s Place? Discover a New Path in Financial Planning
Tag: Financial Planning
“Nothing to See Here”: How Cognitive Bias and Conflicts of Interest Keep Wealthy Investors Asleep
By Steve Conley, Academy of Life Planning In the world of financial services, we like to think we’re rational. Professional. Unbiased. But dig a little deeper and you’ll find a system that may be blind—wilfully or otherwise—to its own conflicts of interest and the cognitive biases they produce. A Tale of Two Markets While trade … Continue reading “Nothing to See Here”: How Cognitive Bias and Conflicts of Interest Keep Wealthy Investors Asleep
🌍 Why ISO 22222 Backs the Aquarian Shift in Financial Planning
Does Finance Fulfil Purpose? Part 2: How international standards support client-led, purpose-driven advice models In the Age of Aquarius, we are witnessing a profound shift in how financial planning is delivered—and more importantly, who holds the power. At the Academy of Life Planning, we champion a model where the client, not the planner, retains full … Continue reading 🌍 Why ISO 22222 Backs the Aquarian Shift in Financial Planning
🚨 What’s Stopping You? 10 Financial Planning Myths Debunked
This is when the penny drops. You feel it, don’t you? The industry is changing. The clients are changing. You’re changing. And yet, something holds you back from making the shift—from Piscean financial adviser to Aquarian financial planner. Let’s bust the myths and break through the mental hurdles keeping you trapped in an outdated model. … Continue reading 🚨 What’s Stopping You? 10 Financial Planning Myths Debunked
Future-Proof Your Practice: Serve the Empowered Generation Without the Red Tape
As the financial landscape evolves, one truth becomes increasingly clear: we are moving from a generation of wealthy delegators to an new age of empowered decision-makers. Tomorrow's clients don’t just want to be told what to do with their money—they want to be educated, empowered, and guided holistically. For regulated financial planning firms, this shift … Continue reading Future-Proof Your Practice: Serve the Empowered Generation Without the Red Tape
The Perimeter Prefect: Reclaiming Financial Planning Beyond Regulation
What if the future of financial planning didn’t lie within the rules of a product-based system—but just beyond them? In our recent Masterclass, The Perimeter Prefect, we explored how planners, coaches, and changemakers are redefining financial support outside the regulatory perimeter—offering clarity, empowerment, and purpose without the burden of unnecessary red tape. This isn’t about … Continue reading The Perimeter Prefect: Reclaiming Financial Planning Beyond Regulation
The Financial Planning Process for Young People: What Changes?
Financial planning for young people is not a simplified version of retiree planning—it’s a different game entirely. With lives marked by constant change, younger clients require a dynamic, adaptive approach grounded in cash flow management, emotional intelligence, and relationship-based service. At the Academy of Life Planning, we use the GAME Plan—a holistic, cyclical process that … Continue reading The Financial Planning Process for Young People: What Changes?
Pension Planning in Limbo: Ethical Advice in the Shadow of Pending Tax Reform
By Steve Conley, Founder – Academy of Life Planning "Do we plan for what is, or for what is coming?" It’s a question increasingly asked of financial planners as we edge closer to April 2027—the date when unused pension pots may no longer remain exempt from Inheritance Tax (IHT), following proposals made in the 2024 … Continue reading Pension Planning in Limbo: Ethical Advice in the Shadow of Pending Tax Reform
AI Won’t Wait — And Neither Should You
When it comes to preparing for an AI-powered future, Gen Z has been left hanging.Schools aren’t teaching it. Employers aren’t training for it. Policymakers are watching from the sidelines. And yet, AI is transforming the world of work — right now. According to a recent Gallup and Walton Family Foundation report, while 43% of Heartland … Continue reading AI Won’t Wait — And Neither Should You
🧭 India Just Drew a Line — Should the UK Follow?
SEBI, India’s financial regulator, has made a bold and principled move: disentangling financial advice from product distribution. It ruled that Mutual Fund Distributors (MFDs) must not describe themselves as “financial advisers” or “planners” unless they’re formally registered as fee-only fiduciaries (RIAs). Why? Because doing so misleads the public, confuses roles, and masks conflicts of interest. … Continue reading 🧭 India Just Drew a Line — Should the UK Follow?
