For decades, financial planning has focused on one thing above all else: financial capital. Portfolios.Pensions.Investments. Yet the largest asset most people will ever possess is not their investment portfolio. It is their human capital. Human capital — the ability to generate income through skills, knowledge, health, and experience — has become the primary driver of … Continue reading With Over £25 Trillion at Stake, Financial Planners Must Learn to Plan for Human Capital
Tag: personal-finance
The Most Important Asset Your Clients Own Is Under Threat
Why Financial Planners Must Add Human Capital Strategy to Deliver True Total Wealth Planning For decades, financial planning has focused primarily on financial capital. Pensions.ISAs.Investment portfolios.Tax wrappers. But the research is becoming increasingly clear: these are not the largest assets in most households. The largest asset most people possess is their ability to earn. In … Continue reading The Most Important Asset Your Clients Own Is Under Threat
When Integrity Costs You Your Licence — And Sets You Free
The Geoff Dyckes Story: A Total Wealth Planner in Action There is a moment in many advisers’ careers when something quietly shifts. It isn’t dramatic.It isn’t loud.It’s simply the realisation that the system you work within may not fully align with the reason you entered the profession. For Geoff Dyckes, that moment came early. https://vimeo.com/1158790837?share=copy&fl=sv&fe=ci … Continue reading When Integrity Costs You Your Licence — And Sets You Free
Captured Financial Education or Sovereign Financial Education?
What Kind of Nation Are We Really Trying to Build? A national conversation has begun. The Times has launched its “Smarter with Money” campaign, calling for a financial education revolution — 15 hours a year in schools, a million more investors, and a stronger culture of retail participation in markets. On the surface, that sounds … Continue reading Captured Financial Education or Sovereign Financial Education?
The Missing Asset in Most Cashflow Forecasts
Why Human Capital Belongs at the Heart of Financial Planning Most lifetime cashflow forecasts begin with: Current assets Investment returns Pension projections Inflation assumptions But they often overlook the largest asset on the client’s balance sheet. Human capital. A recent academic review on human capital development reinforces what leading economic theory has argued for decades: … Continue reading The Missing Asset in Most Cashflow Forecasts
Total Family Office – The Control Tower
Why the “Spend the Kids’ Inheritance” Era Changes Everything for Planners A quiet shift is underway in British family finance. Recent research highlighted in Financial Planning Today shows that 1 in 7 UK parents now intend to spend their wealth rather than leave it as inheritance. Not recklessly. Not impulsively. But deliberately. That statistic should … Continue reading Total Family Office – The Control Tower
Do Your Clients Have a Plan for Their Children’s Future — or Just Their Inheritance?
Recent labour data from the Office for National Statistics confirms a trend advisers cannot afford to ignore: unemployment has climbed to 5.2%, the highest level in nearly five years, while wage growth is cooling. Young adults are disproportionately affected. In practical terms, that means more families quietly facing a reality many planners haven’t prepared them … Continue reading Do Your Clients Have a Plan for Their Children’s Future — or Just Their Inheritance?
Standing at the Bridge: Why Modern Financial Planning Must Learn to Stress-Test Lives, Not Just Markets
Many experienced financial planners find themselves standing at a bridge they didn’t set out to reach. They haven’t rejected financial planning.They haven’t “fallen out of love” with professionalism, rigour, or client care. Yet something feels increasingly misaligned. The tools still work — but the world they were built for no longer exists. Clients are more … Continue reading Standing at the Bridge: Why Modern Financial Planning Must Learn to Stress-Test Lives, Not Just Markets
Paraplanners at a Crossroads: If Not Adviser, Then What?
Recent research, from the Lang Cat in today's Money Marketing, shows a quiet but telling shift in the profession. Only 13% of paraplanners now see themselves becoming financial advisers — down from 24% just a year ago. The majority want to grow, contribute, and build meaningful careers, but not by stepping into a product-sales role. … Continue reading Paraplanners at a Crossroads: If Not Adviser, Then What?
The Bridge Financial Planners Are Standing On
What’s Missing from Financial Planning — and Why Total Wealth Planning Matters Now Most financial planners don’t wake up one morning and decide that financial planning is broken. They arrive at a quieter realisation. The plans are technically correct.The assumptions are defensible.The portfolios are optimised. And yet clients feel more anxious, more fragile, and more … Continue reading The Bridge Financial Planners Are Standing On
Academy of Life Planning 