Why Human Capital Is Pulling Financial Planning Beyond Its Old Limits Most financial planners were trained in a world where capital meant money, assets, and structures. But a growing body of research — including a widely cited study on the Significance of Human Capital for Economic Growth — points to a quieter truth: Financial capital … Continue reading Standing at the Bridge:
Tag: investing
The Great Wealth Transfer: Why Traditional Advice Models Should Be Paying Attention — and What Comes Next
Here's the thing, the headline figure is arresting: £6 trillion set to change hands across generations in the UK. But the quieter message beneath it is more uncomfortable. According to multiple studies cited at a recent adviser technology conference, existing advisers may only retain around 10% of that wealth. Not because markets collapse. Not because … Continue reading The Great Wealth Transfer: Why Traditional Advice Models Should Be Paying Attention — and What Comes Next
Why the Future of Financial Planning Is Human Capital-Led
Lessons for Financial Planners Aspiring to Become Total Wealth Planners For decades, financial planning has been built around financial capital: portfolios, products, performance and projections. Yet one of the most consistent findings in economic research tells a different story. Human capital—not financial capital—is the primary driver of long-term prosperity. A 2012 study published in the … Continue reading Why the Future of Financial Planning Is Human Capital-Led
Why the Hybrid Total Wealth Planner Will Win in the Age of AI
And why the future of planning is human-led, AI-powered, and life-first Artificial intelligence is changing everything. It can draft emails.Build financial models.Summarise documents.Generate plans in seconds. And yet… It still can’t decide what kind of life is worth building.It can’t sit with someone in grief.It can’t hold moral complexity.It can’t help a human being choose … Continue reading Why the Hybrid Total Wealth Planner Will Win in the Age of AI
Why This Study Quietly Changes Everything for Financial Planners
What Human Capital Inequality Teaches Us About the Future of Advice For decades, financial planning has rested on a comfortable assumption: If people have access to money and good products, they’ll make good long-term decisions. The study “Human Capital Inequality, Life Expectancy and Economic Growth” by Castelló-Climent and Doménech gently — but decisively — dismantles … Continue reading Why This Study Quietly Changes Everything for Financial Planners
Vanguard Cuts LifeStrategy Fees — And Why “Boring” Is Exactly What Most People Need
Vanguard has just announced another round of fee cuts and a new global LifeStrategy range. On the surface, it looks like routine industry news: Fees down from 0.22% to 0.20% Model portfolio costs moving toward ~0.17% Reduced UK home bias A new fully global LifeStrategy range £10m “returned” to UK investors Continued focus on low-cost, … Continue reading Vanguard Cuts LifeStrategy Fees — And Why “Boring” Is Exactly What Most People Need
From Meaningful Advice to Total Wealth Planning
From Meaningful Advice to Total Wealth Planning Why the profession is right about meaning — and why the journey can’t stop there An Academy of Life Planning bridge‑mode explainer for advisers sensing there’s more to come A shared moment of recognition Recent commentary from respected thought leaders within the adviser profession captures something many practitioners … Continue reading From Meaningful Advice to Total Wealth Planning
Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
What a landmark human capital study reveals about the future of financial planning Introduction: A Quiet Problem No One in Advice Talks About Most financial planners were trained inside a narrow frame: Learn the technical rules Model the money Optimise the investments Manage the risks Assume the client behaves “rationally” It’s a neat system.It’s also … Continue reading Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
Crossing the Bridge: From Advice‑Only to Total Wealth Planning
A gentle map of where the profession is heading — and why it matters There is a quiet shift happening in financial planning. It is not loud. It is not revolutionary (yet). And it is not being announced as a paradigm change. But if you look closely at how progressive advisers are evolving their fee … Continue reading Crossing the Bridge: From Advice‑Only to Total Wealth Planning
The Hidden Career Risk Nobody Mentions in Financial Adviser Recruitment
Why “loving your job” marketing needs a reality check Blue Monday: a perfect moment to sell a dream Every January, we’re told it’s Blue Monday — the most depressing day of the year.Whether or not the science stacks up, the emotional truth often does. People are tired.Burned out.Disillusioned with work that feels meaningless, insecure, or … Continue reading The Hidden Career Risk Nobody Mentions in Financial Adviser Recruitment
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