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
Tag: human-capital
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.
From Intermediation to Ownership:
What the US Adviser Awakening Signals for Global Total Wealth Planners in 2026 2025 may go down as the year the wealth-management industry finally admitted what many advisers had quietly felt for years: The ground has shifted — structurally, technologically, and psychologically. In the US, record consolidation, forced platform migrations, and accelerating breakaways exposed a … Continue reading From Intermediation to Ownership:
Human Capital First:
Why Total Wealth Planning Is the Future of Financial Planning For decades, financial planning has focused on allocating money. But the evidence is clear:money does not create wealth — people do. A peer-reviewed academic study, Human Capital: The Tool for Economic Growth and Development, reinforces a truth that sits at the very heart of the … Continue reading Human Capital First:
From Human Capital to Human Capability
Why Total Wealth Planning Is the Next Evolution of the Profession For decades, financial planning has rested on a deceptively simple assumption:that if people are given the right information and the right products, good outcomes will follow. But reality keeps proving otherwise. Despite ever more sophisticated modelling, ever thicker reports, and ever greater volumes of … Continue reading From Human Capital to Human Capability
Why Aspiration Alone Fails
And What Total Wealth Planners Must Do Instead For decades, policymakers and educators have believed that the key to social mobility lies in raising aspirations. If people can just see a better future, surely they will find a way to reach it. A major UK-based body of economic research tells a more uncomfortable truth. Aspirations … Continue reading Why Aspiration Alone Fails
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, Finology, and the Human-to-Human Economy
Extending the Vision of Financial Planning 3.0 “AI won’t replace planners. But planners who embrace AI — and truly understand human beings — will replace those who don’t.” Partha Iyengar recently left a comment on LinkedIn that stopped me in my tracks. He celebrated Human Capital and Human-to-Human Connections as the real drivers of progress … Continue reading Human Capital, Finology, and the Human-to-Human Economy
The Green Dividend: Why Human Capital Is the New Renewable
“The energy of the future is not stored in batteries or barrels—it’s stored in people.” As the world races toward a green energy future, most conversations still orbit around technology: solar panels, wind turbines, hydrogen, and storage systems. Yet, according to a 2024 study published in Academia Green Energy, the true catalyst of the energy … Continue reading The Green Dividend: Why Human Capital Is the New Renewable
Academy of Life Planning 