An Academy of Life Planning perspective on Britain’s overdue reckoning Last week, Michael Mainelli, Chairman of Z/Yen Group and former Lord Mayor of the City of London, published a sharp and timely intervention calling on the UK to stop avoiding international scrutiny and finally participate in the OECD PISA Financial Literacy Assessment. His argument is … Continue reading From Evidence to Empowerment: Why Financial Literacy Tests Are Necessary — and Why They Are Not Enough
Tag: personal-finance
Human Capital Isn’t a “Soft” Concept — It’s the Hardest Driver of Fair Wealth Outcomes
Lessons for Total Wealth Planners from Global Evidence on Income Equality For decades, financial planning has been dominated by one narrow question:How do we grow financial capital? But global evidence increasingly points to a deeper, more foundational truth: Societies that invest in human capital don’t just grow wealth — they distribute it more fairly. A … Continue reading Human Capital Isn’t a “Soft” Concept — It’s the Hardest Driver of Fair Wealth Outcomes
Human Capital Lessons Every Total Wealth Planner Should Understand
What a global development study reveals about planning, productivity, and prosperity For Total Wealth Planners, human capital is not a soft concept. It is the primary engine of long-term wealth, resilience, and freedom. A major academic study on the development and effective use of human capital in developing countries offers powerful lessons that are just … Continue reading Human Capital Lessons Every Total Wealth Planner Should Understand
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
Why £497 Is the Right Price for Real Planning — And Why It’s Finally Possible
For more than a decade, policymakers have asked the same question: Why don’t more people access financial advice? The answer has never been a lack of interest.It has been a mismatch between what people value, what the system delivers, and what it costs to provide. At the Academy of Life Planning, we are now offering … Continue reading Why £497 Is the Right Price for Real Planning — And Why It’s Finally Possible
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
Human Capital First:
Why Total Wealth Planning Is the Future of Financial Planning For decades, financial planning has focused on allocating money. But the evidence is clear:money does not create wealth — people do. A peer-reviewed academic study, Human Capital: The Tool for Economic Growth and Development, reinforces a truth that sits at the very heart of the … Continue reading Human Capital First:
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
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