The government’s upcoming 2025 pensions review has sparked important conversations around the assets that underpin our financial futures. While many are rightly championing the inclusion of rainy day savings and property alongside pensions, the focus needs to go much further. If we stop there, we risk creating a narrow framework that inadvertently favours financial capital … Continue reading Broadening the Horizon: Why the 2025 Pensions Review Must Consider Human Capital
Tag: investing
Exploring Human Capital: An Inclusive Understanding of Intangible Wealth
In the evolving discourse around wealth and income, the interplay between human capital and financial capital takes centre stage. Total wealth, as I see it, is the sum of human capital and financial capital, net of financial liabilities. Here, financial capital represents tangible assets—those you can see and touch. Human capital, in contrast, is an … Continue reading Exploring Human Capital: An Inclusive Understanding of Intangible Wealth
The Game Plan Evolution: CPD Masterclass Series (Season 2)
Building on the success of last year's programme, the Academy of Life Planning is delighted to announce the launch of Season 2 of our Continuous Professional Development Masterclass Programme for 2025. This series, titled "The Game Plan Evolution," is designed to further empower financial planners with the skills and insights needed to excel in an … Continue reading The Game Plan Evolution: CPD Masterclass Series (Season 2)
A Wall Between Advice and Product: Restoring Market Integrity to Financial Services
For too long, the lines between professional financial advice and product sales have been blurred. This lack of clarity has not only led to a series of high-profile mis-selling scandals and service failures but has also undermined public trust in financial services. To restore integrity and confidence, we need to build a clear wall between … Continue reading A Wall Between Advice and Product: Restoring Market Integrity to Financial Services
Unlocking Opportunities: Lessons for GenIFAs from Income Inequality Studies
The role of Generic Independent Financial Advisers (GenIFAs) extends beyond numbers—it’s about empowering clients to achieve financial security and prosperity. Recent studies on income inequality and human capital offer invaluable insights that GenIFAs can use to create meaningful impact. The Core Message: Education as the Great Equaliser Research consistently highlights education’s transformative power in reducing … Continue reading Unlocking Opportunities: Lessons for GenIFAs from Income Inequality Studies
Unlocking Potential: Why Human Capital Matters in Financial Planning
When you think about financial planning, you probably picture bank accounts, pensions, or investments—what we typically call "financial capital." But there’s something just as important, if not more so, that often gets overlooked: human capital. This is your unique potential—the skills you’ve built, the knowledge you’ve gained, and the energy you bring to creating a … Continue reading Unlocking Potential: Why Human Capital Matters in Financial Planning
Are Financial Advice Firms as Secure as They Seem?
When you seek financial advice, you might assume that working with a firm registered and regulated by the Financial Conduct Authority (FCA) offers reassurance and guarantees. After all, these firms are required to maintain professional indemnity (PI) insurance to cover potential claims. However, recent trends suggest that consumers may need to reassess how much protection … Continue reading Are Financial Advice Firms as Secure as They Seem?
🎄What an inspiring year it has been for the Academy of Life Planning! 🎉
As 2024 comes to a close, it’s the perfect time to pause and reflect on the milestones, growth, and impact we’ve achieved together. From empowering individuals to take charge of their financial futures to strengthening the community of values-driven planners, this year has been one of transformation and progress. Let’s take a look back 👇: … Continue reading 🎄What an inspiring year it has been for the Academy of Life Planning! 🎉
Where’s the Justice? The Tenet Collapse and the Cost to Consumers
The collapse of Tenet has left nearly 10,000 customers in financial limbo, raising pressing questions about the effectiveness of consumer protection in the UK’s financial services industry. These individuals, who trusted a Financial Conduct Authority (FCA) registered firm and its advisers, now face a sobering reality: they’re left to rely on the Financial Services Compensation … Continue reading Where’s the Justice? The Tenet Collapse and the Cost to Consumers
Empowerment, Not Nudges: A Better Way to Serve Underserved Communities
The Financial Conduct Authority’s (FCA) proposals on targeted support have been widely discussed as a step towards bridging the advice gap. But are we missing the bigger picture? For underserved communities—those who most need accessible, trustworthy support—there’s a crucial difference between empowerment and nudges. While targeted support offers well-intentioned suggestions, it risks funnelling people towards … Continue reading Empowerment, Not Nudges: A Better Way to Serve Underserved Communities
Academy of Life Planning 