Inheritance Tax (IHT) is becoming a growing concern for many families, as HMRC’s latest figures reveal a relentless increase in tax receipts. With the government taking in a record-breaking £639m in IHT in January alone—a 15% jump from last year—more estates are being dragged into the tax net. If you’re looking for ways to protect … Continue reading How to Avoid the Inheritance Tax Grab: Why You Need a Holistic Financial Planner
Tag: investing
How the GAME Plan Empowers Individuals to Take Control of Their Financial Futures
Taking control of your financial future can feel overwhelming. The world of money is often shrouded in complexity, with jargon-filled advice that leaves many feeling disconnected from their own financial decisions. But what if there was a way to make financial planning clear, empowering, and truly centred on you? That’s exactly what the GAME Plan … Continue reading How the GAME Plan Empowers Individuals to Take Control of Their Financial Futures
The Strengths of the GAME Plan: A Revolutionary Approach to Financial Planning
Psychological Acceleration & Consciousness Expansion Traditional financial planning focuses primarily on numbers—assets, liabilities, and long-term wealth accumulation. However, the GAME Plan introduces a paradigm shift by moving individuals from ego-focus to soul connection. This transformation is not just about money; it is about self-actualisation and higher consciousness. Breaking Free from Conditioning: The GAME Plan aligns … Continue reading The Strengths of the GAME Plan: A Revolutionary Approach to Financial Planning
A New Route into Financial Planning – No Sales Targets, No Barriers, Just Impact
If you’re considering a career in financial planning but only know the traditional route—the one that’s been around since the 1980s, where it was all about commission, sales targets, and high startup costs—it can feel daunting. The big academies still operate on that old model, tying new advisers into restrictive agreements and product sales to … Continue reading A New Route into Financial Planning – No Sales Targets, No Barriers, Just Impact
Unlocking Economic Potential Despite Health Impediments
We live in a world where traditional employment structures assume that if health challenges prevent someone from working in a conventional way, their economic contribution must cease, leaving them dependent on state benefits. But in the age of information and remote work, this outdated view no longer holds true. It’s surprising what can be achieved, … Continue reading Unlocking Economic Potential Despite Health Impediments
The Advent of AI in Lifetime Cashflow Forecasting: A Paradigm Shift
The Advent of AI in Lifetime Cashflow Forecasting: A Paradigm ShiftBy Steve Conley The Public’s New Power: AI-Driven Lifetime Cashflow Forecasting Recent advancements in artificial intelligence have heralded a transformative shift in financial planning. No longer must individuals rely solely on traditional financial advisers to obtain an initial assessment of their long-term financial standing. With … Continue reading The Advent of AI in Lifetime Cashflow Forecasting: A Paradigm Shift
How to Protect Your Pension from Inheritance Tax
How to Protect Your Pension from Inheritance Tax, by Steve Conley The rules around pensions and inheritance tax are changing, and it’s important to be prepared. From April 2027, pensions will no longer be exempt from inheritance tax (IHT), meaning that without careful planning, a significant portion of your hard-earned savings could end up with … Continue reading How to Protect Your Pension from Inheritance Tax
Breaking Free from the Product Sales Trap in Financial Services
The financial services industry has long been fixated on one thing—selling products. Providers, advisers, regulators, the financial press, and even emerging AI agents all seem to be caught in the same endless cycle: product, product, product. No matter how much they talk about helping people, it always comes back to selling something. Providers can’t just … Continue reading Breaking Free from the Product Sales Trap in Financial Services
The Power of Taking Control: Why Self-Directed Investing Beats Wealth Management Firms
Imagine working hard your entire life, diligently saving for retirement, only to realise that a significant portion of your investment returns is quietly being absorbed by wealth management fees. It’s a reality for many investors who entrust their financial future to traditional wealth managers, often without fully understanding the long-term impact of fees on their … Continue reading The Power of Taking Control: Why Self-Directed Investing Beats Wealth Management Firms
How Do I Invest for My Retirement? SIPP, ISA, or GIA?
The landscape of retirement planning has shifted dramatically over the years. Since Pension Freedom was introduced in 2015, many financial advisers have encouraged clients to use pensions both as an income source and an inheritance planning tool. However, with the recent changes announced in the 2024 Autumn Budget, retirement planning strategies require a serious rethink. … Continue reading How Do I Invest for My Retirement? SIPP, ISA, or GIA?
Academy of Life Planning 