What might the future require of me — and what forms of wealth will help me meet it? Most financial plans make forecasts. They forecast your pension. Your investments. Your income. Your expenditure. Inflation. Investment returns. Perhaps your life expectancy. Then they project those numbers twenty, thirty or forty years into the future. But there … Continue reading Your Future Financial Life Cannot Be Separated From the Future World in Which You Will Live
Tag: money
Two Ways to Delegate Your Wealth: Bundled Advice or Specialist Delegation?
If you have accumulated significant wealth, who should you delegate it to? For many people, the conventional answer is simple: Find a good Independent Financial Adviser and let them look after it. There is another way. Instead of asking one advisory relationship to encompass planning, investments, products and ongoing oversight, you can separate the jobs: … Continue reading Two Ways to Delegate Your Wealth: Bundled Advice or Specialist Delegation?
Why Does a Three-Hour Problem Lead Naturally to a Thirty-Year Commercial Relationship?
Why Does a Three-Hour Problem Lead Naturally to a Thirty-Year Commercial Relationship? If you can now earn a good living solving people's financial problems without capturing their assets, why are you still making surrender of the assets a condition of helping them? A person walks into a financial planner's office with a problem. Perhaps they … Continue reading Why Does a Three-Hour Problem Lead Naturally to a Thirty-Year Commercial Relationship?
I Was Wrong About the Financial Concierge
The professional’s job is not to occupy the pathway between the client and their money, but to keep that pathway clear. Why a Total Wealth Planner should be at reception, not permanently in your room For several years, I have described the emerging role of the holistic financial planner as a financial concierge. I still … Continue reading I Was Wrong About the Financial Concierge
Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Kakeibo Ledger™: Sometimes the Best Technology Gets Out of Your Way I have been fascinated by Japanese approaches to money, life and human flourishing for a long time. I use Ikigai in life planning. I use Kokoro as a way of thinking about alignment between mind, body, heart and spirit. Even the Academy’s GAME Plan … Continue reading Kakeibo Ledger™: A Free Budgeting Tool Built for Human Agency
Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
What if financial planning started with your life, rather than your investments? I recently joined Kevin Whelan on the WealthBuilders WealthTalk podcast for a conversation about something much bigger than pensions, investments or financial products. It was about who should ultimately be in control of your financial life. The answer sounds obvious. You should. Yet … Continue reading Wake Up, Consumers: Stop Sleepwalking Through Your Financial Future
Who Said Financial Planning Needed a Product Licence?
Why the trailblazers of financial planning are moving from the regulated 1% to the human 100% Most financial planners did not enter the profession because they wanted a licence to sell products. They entered because they wanted to help people. They wanted to help people make better decisions, avoid costly mistakes, prepare for uncertainty and … Continue reading Who Said Financial Planning Needed a Product Licence?
Same Expertise. Different Price.
Same Expertise. Different Price. The Academy of Life Planning has launched a new Cost Comparison Calculator to show what happens when the same level of professional expertise is priced in two very different ways. A Chartered Financial Planner can work in two fundamentally different models. As a conventional financial adviser, they may charge an ongoing … Continue reading Same Expertise. Different Price.
From Registered Life Planner to Total Wealth Planner
Fifteen years ago, I completed the Registered Life Planner pathway with the Kinder Institute. It changed the way I listened, the way I planned and the way I understood the relationship between money and life. Today, I am a Total Wealth Planner. That journey was not a rejection of life planning. It was the next … Continue reading From Registered Life Planner to Total Wealth Planner
Why Better Financial Decisions Begin with Better Questions
Why Better Financial Decisions Begin with Better Questions The latest Navigator™ update brings financial planning one step closer to real life. For decades, financial planning software has been built primarily for professionals. Most tools were designed to help advisers produce forecasts, reports and recommendations. They were never really intended to help individuals understand their own … Continue reading Why Better Financial Decisions Begin with Better Questions
Academy of Life Planning 