What Three Landmark Studies Teach Total Wealth Planners For decades, financial planning has treated human capital as a background assumption—future earnings, career trajectory, or “capacity for work.”The evidence tells a very different story. Across three major studies—spanning poverty, inequality, life expectancy, and economic growth—a consistent message emerges: Human capital is not merely an input to … Continue reading Human Capital Is Not a Footnote to Financial Planning
Tag: history
Lessons on Human Capital for Total Wealth Planners
Lessons on Human Capital for Total Wealth PlannersWhat long-term economic growth teaches us about life-first planning Most financial planning still treats people as inputs into a system: earn, save, invest, retire.The attached study on human capital as a determinant of long-term economic growth quietly dismantles that assumption. Its core finding is simple but profound: Sustainable … Continue reading Lessons on Human Capital for Total Wealth Planners
Inequality Isn’t a Moral Failure — It’s a Planning Failure
Why Total Wealth Planners are emerging as the quiet antidote For decades, inequality has been treated as a political problem. Argued over.Moralised.Weaponised. But beneath the noise sits a quieter truth that rarely gets airtime: Most inequality is not caused by malice or ideology — it is caused by structural mis-planning of human capital. Not bad … Continue reading Inequality Isn’t a Moral Failure — It’s a Planning Failure
Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Why Inequality Persists — and Why Total Wealth Planning Works Inequality is often framed as a failure of effort, intelligence, or morality.The evidence tells a quieter, more uncomfortable truth. People are not failing.Systems are misallocating human potential. This study on human capital and economic development shows that even when people are educated, skilled, and motivated, … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Inequality Isn’t a Moral Failure. It’s a Design Failure.
Why Total Wealth Planners Are the Antidote — Without Ideology For decades, inequality has been argued as if it were a moral contest. One side says inequality is the price of growth.The other says inequality is proof the system is broken. Both miss the point. Inequality is not primarily a question of values.It is a … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure.
Britain’s Second Empire: How Cayman Law Is Being Used to Strip Billions from British Investors
And why the Crown can no longer pretend it has no responsibility “The soldiers left the colonies, but the bankers never did.”— The Spider’s Web For years, the phrase “Britain’s Second Empire” sounded conspiratorial to those who still believed imperial power ended with flags and gunboats. But the evidence is now too substantial to ignore. … Continue reading Britain’s Second Empire: How Cayman Law Is Being Used to Strip Billions from British Investors
From Human Capital to Human Flourishing
Why Total Wealth Planning Must Replace Individualised Finance For decades, mainstream economics — and by extension much of financial planning — has rested on a deceptively simple idea: People earn what they are worth because they are productive. This belief, known as human capital theory, is so embedded in modern thinking that it often goes … Continue reading From Human Capital to Human Flourishing
Human Capital: The Forgotten Foundation of Total Wealth – Part 2
“A society that invests in machines but neglects its people is not advancing—it is automating its own inequality.” For decades, financial planners and policymakers alike have placed their faith in education as the great equaliser. Build skills, gain qualifications, increase productivity—and wealth will follow.Yet new research reveals a disturbing paradox: in advanced economies, human capital … Continue reading Human Capital: The Forgotten Foundation of Total Wealth – Part 2
🕊️ The Lost Essenes of Anglesey: Rome’s Forgotten Genocide of the Druids
How empire tried to extinguish the light of natural wisdom — and failed History is written by the victors, but truth is carried by the survivors.Among the most haunting silences in European history is the story of Anglesey (Ynys Môn) — the sacred island once known as the spiritual heart of Britain, where Rome waged … Continue reading 🕊️ The Lost Essenes of Anglesey: Rome’s Forgotten Genocide of the Druids
From the Age of Exploitation to the Age of Empowerment
By Steve Conley, Founder – Academy of Life Planning For two thousand years, humanity has lived under the long shadow of the Age of Pisces — the age of empire, conquest, and control. It began with the Romans and spread across continents through systems of colonisation that divided spirit from matter, body from soul, and … Continue reading From the Age of Exploitation to the Age of Empowerment
Academy of Life Planning 