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
Tag: money
From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
Most financial advisers didn’t enter the profession to sell products. They entered it to help people make better decisions about their lives. And yet, many now find themselves constrained — not by their ethics or competence, but by the narrow scope of the system they work within. This article isn’t a critique of advisers.It’s an … Continue reading From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
From Human Capital to Human Capability
Why Total Wealth Planning Is the Next Evolution of the Profession For decades, financial planning has rested on a deceptively simple assumption:that if people are given the right information and the right products, good outcomes will follow. But reality keeps proving otherwise. Despite ever more sophisticated modelling, ever thicker reports, and ever greater volumes of … Continue reading From Human Capital to Human Capability
Why Aspiration Alone Fails
And What Total Wealth Planners Must Do Instead For decades, policymakers and educators have believed that the key to social mobility lies in raising aspirations. If people can just see a better future, surely they will find a way to reach it. A major UK-based body of economic research tells a more uncomfortable truth. Aspirations … Continue reading Why Aspiration Alone Fails
🌍 Total Wealth Planning™ on the Rise: U.S. Advisors Validate the Global Shift Toward Holistic Advice
When Cerulli Associates released their U.S. Advisor Metrics 2025 report this month, one message stood out loud and clear: financial planning—not product distribution—is now the growth engine of the wealth management industry. Across the United States, advisors are doubling down on comprehensive, client-centred planning. On average, each advisor now offers seven distinct services, of which … Continue reading 🌍 Total Wealth Planning™ on the Rise: U.S. Advisors Validate the Global Shift Toward Holistic Advice
Most financial plans are built on products, not purpose
Yesterday, during our CPD Masterclass The Structurally Trustworthy Architect, a new member challenged me when I said, “Most people’s financial plans are built on products, not purpose.” He was adamant that good financial planners—like him—do factor in human capital strategies when building lifetime cashflow plans. I said, “Then you’re the first financial adviser I’ve met … Continue reading Most financial plans are built on products, not purpose
Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
For 15 years, the GAME Plan has been the backbone of how we help people design lives of purpose, security, and freedom. Until now, it’s mainly been delivered through one-to-one work, workshops, and courses. Today, that changes. The AI GAME Plan is now live — a fully guided, AI-powered experience that helps anyone, anywhere, in … Continue reading Introducing the AI GAME Plan™: Democratising Total Wealth Planning for Everyone, Everywhere
The Rules of the Game Are Being Rewritten — and the Referees Are Looking the Other Way
By the Academy of Life Planning As 2025 draws to a close, the Bank of England has sent a mixed message:⚠️ Financial stability risks are rising, yet 🪓 capital requirements for banks are being cut. It’s a move that captures the paradox of modern finance — one hand tightening supervision of shadow banks like Goldman … Continue reading The Rules of the Game Are Being Rewritten — and the Referees Are Looking the Other Way
Calling All Financial Planners: It’s Time to Reskill as a Total Wealth Planner
The financial world is changing fast — and so must you.If you’re a financial planner still focused on products and portfolios, it’s time to invest in yourself. The future belongs to Total Wealth Planners — professionals who help people plan their lives, not just their money. Here’s why this shift isn’t optional — it’s your … Continue reading Calling All Financial Planners: It’s Time to Reskill as a Total Wealth Planner
Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
In recent weeks, Bank of England (BoE) and its regulatory arm Prudential Regulation Authority (PRA) have signalled a push to relax capital requirements for UK banks. The official narrative promises “revived lending capacity” — more mortgages, more credit for small and medium-sized enterprises (SMEs), and renewed economic growth. On the surface, this may sound like … Continue reading Why Loosening Bank Capital Rules Is a Risk — Not a Solution (An AoLP / Get SAFE Perspective)
Academy of Life Planning 