The Financial Conduct Authority has issued a clear warning to pension providers. Millions of people holding older unit-linked pension and savings policies may not be receiving fair value. The scale is remarkable. Around 17 million policies. Around £500 billion invested. Many of these products are no longer sold. They sit quietly in the background, often … Continue reading 17 Million Pension Policies. £500 Billion Invested. The FCA Says Many Could Be Poor Value.
Tag: investing
Is the Future of Wealth Management About Managing Portfolios — or Helping People Convert Their Whole Life into Agency, Ownership and Opportunity?
The recent launch of Factory Capital provides an interesting glimpse into the future of wealth management. On the surface, it is another wealth advisory firm entering the market. Dig a little deeper, however, and something more significant emerges. Factory Capital has not positioned itself primarily around investment selection, portfolio construction or retirement planning. Instead, it … Continue reading Is the Future of Wealth Management About Managing Portfolios — or Helping People Convert Their Whole Life into Agency, Ownership and Opportunity?
Imagine Being a Total Wealth Planner — With Total Wealth OS Beside You
You are sitting with a client. They are not here because they need a product. They are not here because they need someone to take over. They arrive because life has become complicated — a retirement decision, a business sale, a redundancy, an inheritance, a divorce, a fraud they are only beginning to understand, an … Continue reading Imagine Being a Total Wealth Planner — With Total Wealth OS Beside You
The PFS Agenda Tells Us Where Financial Planning Is Heading — But Also What It Still Struggles to Name
Financial planning is moving beyond products. The next step is to move beyond dependency. Financial planning is moving beyond products. That is good. For too long, the public understanding of financial advice has been shaped by pensions, investments, tax wrappers, platforms, funds, protection products, and later-life lending. These things matter. They can be useful. They … Continue reading The PFS Agenda Tells Us Where Financial Planning Is Heading — But Also What It Still Struggles to Name
The Real Fourth Pillar Is Not Later-Life Lending. It Is Restored Human Agency.
The Financial Conduct Authority has put later-life lending firmly into the retirement planning debate. In a speech to the Later Life Lending Summit, Emad Aladhal, the FCA’s director of retail banking, suggested that later-life lending has the potential to become the “fourth pillar” of retirement provision. The familiar three pillars are the state pension, workplace … Continue reading The Real Fourth Pillar Is Not Later-Life Lending. It Is Restored Human Agency.
Investigator™: Restoring Human Agency Before Money Changes Hands
Before you invest, investigate: a free AI-assisted tool to help people pause, question, and understand investment risk before money changes hands. Try Investigator™ for Free Investment fraud is often described as a crime of deception. That is true, but it is not enough. The deeper problem is the collapse of human agency at the point … Continue reading Investigator™: Restoring Human Agency Before Money Changes Hands
Financial Planning or Financial Conditioning? Why the Honours System Reveals What Financial Services Still Rewards
The King’s Birthday Honours List 2026 offered a small but revealing moment for anyone watching the future of financial planning. Chris Hulatt, co-founder of Octopus Group, was awarded a CBE for services to entrepreneurship. On one level, this is easy to understand. Octopus has become one of the most visible entrepreneurial success stories in UK … Continue reading Financial Planning or Financial Conditioning? Why the Honours System Reveals What Financial Services Still Rewards
Pension transfer protections are changing. Overseas investment risk must not be hidden.
The Government has opened a consultation on new protections for people transferring pensions into Small Self-Administered Schemes, known as SSASs. You can read the Government consultation here:Protecting pension savers: proposals to amend the transfer regulations Some of the proposed changes are welcome. But one part of the proposal should concern anyone who cares about pension … Continue reading Pension transfer protections are changing. Overseas investment risk must not be hidden.
Only 9% Are on Course for a Comfortable Retirement. The Real Problem Is Not Just Pension Saving.
A newspaper headline this week captured something many people already feel in their bones: Only 9% of the working population are on course for a comfortable retirement. Another headline put the figure even more starkly: The £1.2m cost of a comfortable retirement in Britain today. The story is familiar. People are living longer. The cost … Continue reading Only 9% Are on Course for a Comfortable Retirement. The Real Problem Is Not Just Pension Saving.
The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
For decades, financial planning has been built around a narrow idea of wealth. Money. Assets. Investments. Pensions. Portfolios. Tax wrappers. These things matter. But they are not the whole story. In many cases, they are not even the starting point. The deeper question is this: What enables a person to live well, adapt, contribute, recover, … Continue reading The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
Academy of Life Planning 