A client says she wants to retrain. The conventional planning question is: Can she afford the course? That matters. But it is only one part of the decision. Can she afford the time away from paid work? Is her health holding up? Who depends on her income? Is the training accessible from where she lives? … Continue reading You Cannot Plan With a Portfolio Alone
Tag: news
The Most Important Expertise Is Knowing Where Your Expertise Ends
Why every professional needs boundary literacy—and why regulated status is not the same as whole-person competence An FCA-regulated retail investment adviser is often assumed to sit above a financial planner in some informal hierarchy of professional importance. The adviser is regulated. The planner may not be. Therefore, the thinking goes, the adviser must be the … Continue reading The Most Important Expertise Is Knowing Where Your Expertise Ends
When Justice Expires Before the Harm Does
The banks did not prove the customers were wrong. They proved the complaints came too late. Four people complained that their banks had trapped them in unfair and unaffordable credit relationships. The banks fought back. Not merely against the complaints, but against the Financial Ombudsman Service's power to hear them. They won. Now the Ombudsman … Continue reading When Justice Expires Before the Harm Does
The Missing Citizen Layer in Financial Crime Prevention
The UK is preparing to prove that its institutions can fight financial crime. But who is helping the citizen? The UK is preparing for its 2027 evaluation by the Financial Action Task Force—the global body that assesses how effectively countries combat money laundering and terrorist financing. A July 2026 report from the RUSI UK FATF … Continue reading The Missing Citizen Layer in Financial Crime Prevention
Institutions May Divide the Case Between Themselves. Academy OS Gives the Individual a Complete View of the System.
A scam rarely happens in one place. A fraudulent advert may appear on Facebook. The conversation moves to WhatsApp. A convincing phone call follows. Money leaves a bank account, passes through another institution and eventually reaches a cryptocurrency platform. The criminal sees the entire journey. Each institution sees only its own part. And the victim … Continue reading Institutions May Divide the Case Between Themselves. Academy OS Gives the Individual a Complete View of the System.
How to Stop Making Scams So Easy
In response to the collapse of Woodville Consultants and a challenge from The Times, we have updated Investigator™—because government should close the loophole, but people need protection while it remains open A form is placed in front of an investor. It asks them to confirm that they are “high net worth” or a “sophisticated investor”. … Continue reading How to Stop Making Scams So Easy
When a Professional Body No Longer Recognises the Profession
The Personal Finance Society is losing members. Is retirement really the whole explanation—or is it suffering from a growing relevance deficit? The Personal Finance Society has lost almost 2,000 members in a year. According to its 2025 Annual Report, membership fell from 38,703 to 36,807—a decline of 4.9%. Membership revenue fell from £7.66 million to … Continue reading When a Professional Body No Longer Recognises the Profession
When fraud takes your money it also tries to take your agency
£70M FRAUD. 15 YEARS IN JAIL. BUT WHO HELPS THE VICTIMS? The latest release of The Recoverer ™ is now available free at http://www.the-recoverer.app A £70 million pension fraud has ended with three men in prison. But the story exposes a harder truth: justice may arrive years later, while victims need a practical way to … Continue reading When fraud takes your money it also tries to take your agency
A Faster Answer to the Wrong Question Is Still Wrong
PARLIAMENT • REDRESS • HUMAN AGENCY A Faster Answer to the Wrong Question Is Still Wrong Parliament is redesigning financial regulation in the name of growth. But efficiency without effective challenge may simply make consumer harm easier to finalise—and harder to correct. Academy of Life Planning 8 September 2026 There is a familiar promise at … Continue reading A Faster Answer to the Wrong Question Is Still Wrong
Britain Has Been Growing the Wrong Thing
For forty years, governments have treated financial-services growth as though it were national economic growth. Andy Burnham now has an opportunity to change that — by making human agency, capability and the wealth of ordinary people the real engine of prosperity. Will Andy Burnham Change Britain’s Growth Strategy, and grow the wealth of ordinary people … Continue reading Britain Has Been Growing the Wrong Thing
