Here's the thing, the headline figure is arresting: £6 trillion set to change hands across generations in the UK. But the quieter message beneath it is more uncomfortable. According to multiple studies cited at a recent adviser technology conference, existing advisers may only retain around 10% of that wealth. Not because markets collapse. Not because … Continue reading The Great Wealth Transfer: Why Traditional Advice Models Should Be Paying Attention — and What Comes Next
Tag: money
From Meaningful Advice to Total Wealth Planning
From Meaningful Advice to Total Wealth Planning Why the profession is right about meaning — and why the journey can’t stop there An Academy of Life Planning bridge‑mode explainer for advisers sensing there’s more to come A shared moment of recognition Recent commentary from respected thought leaders within the adviser profession captures something many practitioners … Continue reading From Meaningful Advice to Total Wealth Planning
Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
What a landmark human capital study reveals about the future of financial planning Introduction: A Quiet Problem No One in Advice Talks About Most financial planners were trained inside a narrow frame: Learn the technical rules Model the money Optimise the investments Manage the risks Assume the client behaves “rationally” It’s a neat system.It’s also … Continue reading Why Total Wealth Planning Isn’t a Lifestyle Add-On — It’s a Correction of a Category Error
The Hidden Career Risk Nobody Mentions in Financial Adviser Recruitment
Why “loving your job” marketing needs a reality check Blue Monday: a perfect moment to sell a dream Every January, we’re told it’s Blue Monday — the most depressing day of the year.Whether or not the science stacks up, the emotional truth often does. People are tired.Burned out.Disillusioned with work that feels meaningless, insecure, or … Continue reading The Hidden Career Risk Nobody Mentions in Financial Adviser Recruitment
Why Money Precision Is Not the Point in Later-Life Planning
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
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
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
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
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