Lessons for Total Wealth Planners from Global Evidence on Income Equality For decades, financial planning has been dominated by one narrow question:How do we grow financial capital? But global evidence increasingly points to a deeper, more foundational truth: Societies that invest in human capital don’t just grow wealth — they distribute it more fairly. A … Continue reading Human Capital Isn’t a “Soft” Concept — It’s the Hardest Driver of Fair Wealth Outcomes
Tag: investing
Human Capital Lessons Every Total Wealth Planner Should Understand
What a global development study reveals about planning, productivity, and prosperity For Total Wealth Planners, human capital is not a soft concept. It is the primary engine of long-term wealth, resilience, and freedom. A major academic study on the development and effective use of human capital in developing countries offers powerful lessons that are just … Continue reading Human Capital Lessons Every Total Wealth Planner Should Understand
Why a Total Wealth Plan Feels So Different from a Financial Plan
Why a Total Wealth Plan Feels So Different from a Financial Plan And why it isn’t a bolt-on People approaching a Total Wealth Plan—whether as individuals or professional advisers—often do so with a familiar mental model. They expect a better financial plan.More depth. More insight. Better projections. That expectation is understandable.It’s also where confusion usually … Continue reading Why a Total Wealth Plan Feels So Different from a Financial Plan
From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
Most financial advisers didn’t enter the profession to sell products. They entered it to help people make better decisions about their lives. And yet, many now find themselves constrained — not by their ethics or competence, but by the narrow scope of the system they work within. This article isn’t a critique of advisers.It’s an … Continue reading From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
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
💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
Steve ConleyDecember 15, 2025 The Personal Finance Society (PFS) has recently announced that more than 400 people have expressed interest in its new Pathway to the Profession initiative — a £1 million recruitment campaign designed to attract and nurture new entrants into financial planning. On the surface, this is welcome news. A profession that genuinely … Continue reading 💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
🌍 Total Wealth Planning™ on the Rise: U.S. Advisors Validate the Global Shift Toward Holistic Advice
When Cerulli Associates released their U.S. Advisor Metrics 2025 report this month, one message stood out loud and clear: financial planning—not product distribution—is now the growth engine of the wealth management industry. Across the United States, advisors are doubling down on comprehensive, client-centred planning. On average, each advisor now offers seven distinct services, of which … Continue reading 🌍 Total Wealth Planning™ on the Rise: U.S. Advisors Validate the Global Shift Toward Holistic Advice
Most financial plans are built on products, not purpose
Yesterday, during our CPD Masterclass The Structurally Trustworthy Architect, a new member challenged me when I said, “Most people’s financial plans are built on products, not purpose.” He was adamant that good financial planners—like him—do factor in human capital strategies when building lifetime cashflow plans. I said, “Then you’re the first financial adviser I’ve met … Continue reading Most financial plans are built on products, not purpose
Academy of Life Planning 