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
Tag: personal-finance
When Your Lender Isn’t Really Your Lender
What the UK’s Private Credit Boom Means for People Who Lose Forbearance Overnight If you’ve ever been told: “We can’t help you anymore — the account is in default,”despite years of good conduct, illness, or temporary hardship — this article is for you. Recent warnings from the House of Lords confirm something Get SAFE members … Continue reading When Your Lender Isn’t Really Your Lender
From Evidence to Empowerment: Why Financial Literacy Tests Are Necessary — and Why They Are Not Enough
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
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
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