And Why Total Wealth Planners Must Think Bigger Than Cashflow Models For decades, the financial planning profession has trained itself to believe one thing above all else: “Accuracy is everything.” The closer a spreadsheet can predict a person’s financial future, the more “professional” the plan is assumed to be. But here is the uncomfortable truth: … Continue reading Why Money Precision Is Not the Point in Later-Life Planning
Tag: investing
Life on the Other Side of Financial Planning
Why Human Capital Strategies Mastery Is Becoming the Bridge to the Profession’s Future There’s a quiet moment many financial planners reach. Nothing has gone wrong.Clients are still engaging.The rules are still being followed.The numbers still add up. And yet something feels incomplete. Not because financial planning has failed —but because the world it serves has … Continue reading Life on the Other Side of Financial Planning
Most of a Person’s Wealth Is Not on a Balance Sheet — It Walks Into Work Every Day
A practitioner insight for Total Wealth Planners Traditional financial planning has taught generations of advisers to look down—at balance sheets, portfolios, wrappers, and projections.Total Wealth Planning asks us to look up—at the living, breathing human being who generates, sustains, and renews all of that capital. A growing body of academic research confirms what many of … Continue reading Most of a Person’s Wealth Is Not on a Balance Sheet — It Walks Into Work Every Day
Case Study: When “Building Your Own Book” Isn’t What It Seems
This case study is drawn from multiple adviser experiences. Details have been anonymised, but the structure and outcomes are real. The starting point: an attractive opportunity An adviser joins a well-known advice practice operating within a large network. They are offered a Business Support Package (BSP), described verbally as: help getting started, an investment in … Continue reading Case Study: When “Building Your Own Book” Isn’t What It Seems
The BSP Trap: What SJP Advisers Are Rarely Told — and How to Get Free If You’re Already In
Business Support Packages (BSPs) are often presented as a helping hand. A bridge.A vote of confidence.A way to “get established quickly”. For many advisers entering or operating within large networks such as St James’s Place, BSPs can feel like the only viable route forward. But what looks like support on the way in can feel … Continue reading The BSP Trap: What SJP Advisers Are Rarely Told — and How to Get Free If You’re Already In
The Planner’s Tension:
Why “Complexity” Doesn’t Increase With Age — It Shifts As more traditional planners explore Total Wealth Planning, a recurring tension often surfaces: “Planning becomes more complex as clients get older.” It’s a reasonable assumption.It’s also incomplete. What actually changes over a lifetime is not the level of complexity, but the composition of wealth — and … Continue reading The Planner’s Tension:
Beware the Open Gate: Why Stepping Outside the Regulatory Perimeter Puts You at Risk
A Get SAFE warning for citizens, savers, and investors There is a quiet but dangerous shift happening in UK financial regulation. The Financial Conduct Authority has proposed changes that would make it easier for individuals to be classified as “professional investors” — even without significant wealth — provided they pass a subjective assessment by a … Continue reading Beware the Open Gate: Why Stepping Outside the Regulatory Perimeter Puts You at Risk
Human Capital Isn’t a “Soft” Concept — It’s the Hardest Driver of Fair Wealth Outcomes
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
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
Academy of Life Planning 