For too long, the lines between professional financial advice and product sales have been blurred. This lack of clarity has not only led to a series of high-profile mis-selling scandals and service failures but has also undermined public trust in financial services. To restore integrity and confidence, we need to build a clear wall between … Continue reading A Wall Between Advice and Product: Restoring Market Integrity to Financial Services
Tag: Financial Planning
Building Prosperity: How Human Capital Insights Empower GenIFAs to Guide Clients Out of Poverty
The study by Minh Quang Dao presents a powerful lens through which we can understand poverty and income inequality in developing nations. For Generic Independent Financial Advisers (GenIFAs) focused on enabling sustainable financial well-being, these findings can be transformative. Let’s explore how this research can guide actionable steps in financial planning to alleviate poverty. The … Continue reading Building Prosperity: How Human Capital Insights Empower GenIFAs to Guide Clients Out of Poverty
Unlocking Potential: Why Human Capital Matters in Financial Planning
When you think about financial planning, you probably picture bank accounts, pensions, or investments—what we typically call "financial capital." But there’s something just as important, if not more so, that often gets overlooked: human capital. This is your unique potential—the skills you’ve built, the knowledge you’ve gained, and the energy you bring to creating a … Continue reading Unlocking Potential: Why Human Capital Matters in Financial Planning
Are Financial Advice Firms as Secure as They Seem?
When you seek financial advice, you might assume that working with a firm registered and regulated by the Financial Conduct Authority (FCA) offers reassurance and guarantees. After all, these firms are required to maintain professional indemnity (PI) insurance to cover potential claims. However, recent trends suggest that consumers may need to reassess how much protection … Continue reading Are Financial Advice Firms as Secure as They Seem?
Presencing in Financial Planning: Shifting from Ego to Soul for Meaningful Client-Centred Solutions
In today's rapidly evolving financial landscape, there's a growing movement towards a more holistic, client-centred approach known as "presencing." This method shifts the focus from traditional, ego-centric financial planning—which often prioritises assets and transactions—to a soul-centric model that emphasises genuine human connection and the client's overall well-being. Understanding Presencing in Financial Planning Presencing, a concept … Continue reading Presencing in Financial Planning: Shifting from Ego to Soul for Meaningful Client-Centred Solutions
The Case for a Wall Between Advice and Product Sales
“There should be a wall, between advice and products, between advice and large institutions, and between our regulators and large institutions. We need an integrity that is impeccable. Until we actually institute a way of bringing good heart, great integrity, and a fiduciary relationship that is sustainable into the industry, we are going to fail. … Continue reading The Case for a Wall Between Advice and Product Sales
Financial Conduct Authority (FCA) and Conduct Risk: Inside and Outside the Perimeter
The Financial Conduct Authority (FCA) was established to regulate financial conduct in the UK. As the name suggests, its primary role is to ensure that firms and individuals within its regulatory perimeter act in ways that protect consumers, maintain market integrity, and promote competition. But not all financial planners operate within this perimeter, and understanding … Continue reading Financial Conduct Authority (FCA) and Conduct Risk: Inside and Outside the Perimeter
The Academy of Life Planning: Empowering the Next Generation of Holistic Wealth Planners
Welcome to a future-ready approach to financial planning, where your career aligns with your values, and your clients’ lives are genuinely transformed. The Academy of Life Planning (AoLP) offers an inspiring alternative to traditional financial adviser academies, free from product sales targets, regulatory burdens, and corporate red tape. Here, you are not just trained to … Continue reading The Academy of Life Planning: Empowering the Next Generation of Holistic Wealth Planners
Breaking Away from the Old Paradigm: Financial Planning for a New Generation
For decades, the financial planning profession has operated within a paradigm shaped by product intermediation. The old way trained advisers to act as intermediaries, bridging clients with financial products. While this served a purpose in its time, it left advisers with an incomplete toolkit, particularly for solving life’s bigger, more complex problems. Today, we’re at … Continue reading Breaking Away from the Old Paradigm: Financial Planning for a New Generation
Where is the Old-School Financial Planning Model Heading?
The financial planning profession is at a crossroads. For decades, the old-school model dominated—a system where financial planners often doubled as financial advisers, wearing two hats. These professionals combined strategic financial planning with product-driven advice, often charging fees as a percentage of assets under management (AUM). However, cracks are forming in this model, and new … Continue reading Where is the Old-School Financial Planning Model Heading?
Academy of Life Planning 