Imagine a world where every community, no matter how wealthy or resource-constrained, has access to the tools of life planning. Children in schools learn from an early age how to define their goals, recognise their talents, and align their education with purpose. Young adults no longer drift into jobs or debt without direction, but enter … Continue reading 🌍 A Vision of Global Empowerment through Life Planning
Tag: personal-finance
Building Futures in El Salvador: How Life Planning is Driving Social Transformation
In late 2023, the government of El Salvador created a new national institution — the Dirección de Integración — with a bold mission: to strengthen social inclusion, reduce poverty, and foster a culture of integration across the country. At the heart of this initiative is the ADN Program on Poverty and the Culture of Integration, … Continue reading Building Futures in El Salvador: How Life Planning is Driving Social Transformation
The Future of Financial Planning Is Outside the Regulatory Perimeter
For decades, wealth management has been dominated by financial intermediaries—agents of product companies who sit across the table from clients, selling investments and policies. But the next generation of investors is sending a clear message: they don’t want product pushers, they want professional allies. A seismic shift is underway. Capgemini’s 2025 World Wealth Report finds … Continue reading The Future of Financial Planning Is Outside the Regulatory Perimeter
Human Capital—not Financial Products—is the True Foundation of Prosperity
We’ve been sold a dangerous illusion: that prosperity comes from financial products. Pensions, ISAs, insurance, investments—these are the shiny wrappers that the industry pushes as the answer to our future security. But let’s be clear: no financial product has ever created real wealth. The true source of prosperity lies elsewhere. It resides in us. The … Continue reading Human Capital—not Financial Products—is the True Foundation of Prosperity
🌱 Staying the Course: Why Integrity Wins in the End
In financial services, it can sometimes feel like the world has been turned upside down. The extractors—the ones who profit by keeping people dependent, confused, and exploited—seem to live richly. Meanwhile, those who choose the higher path of transparency, empowerment, and integrity often find themselves scraping by. It’s tempting to ask: is it worth it? … Continue reading 🌱 Staying the Course: Why Integrity Wins in the End
University or Bust? Why Young People Need a Graduate GAME Plan
It was A-level results day. Across the country, teenagers were refreshing UCAS, parents were on edge, and university prospectuses were being dusted off. For many, it felt like the only path. But is it? Two decades after Tony Blair pledged to send half of Britain’s young people to university, that ambition has been achieved. Yet … Continue reading University or Bust? Why Young People Need a Graduate GAME Plan
When Tax Rumours Spark Panic – How a Financial Life Coach Brings Calm
Every time a Budget approaches, the rumour mill goes into overdrive. Talk of wealth taxes, pension rule changes, or new levies fills headlines and social feeds. For many of our clients, these stories don’t just stay in the news—they spark fear. “Will I lose my savings?”“Should I rush into changes before it’s too late?”“What if … Continue reading When Tax Rumours Spark Panic – How a Financial Life Coach Brings Calm
🎓 Generation Jobless? Or Generation Genius in Waiting?
We’ve all seen the headlines. 📰 “GENERATION JOBLESS”📉 100,000 young adults aged 16–24 in the UK are not in education, employment or training.🧠 Many cite mental health as a barrier — caught in a cycle of rejection, disillusionment, and self-doubt. Meanwhile, AI takes the jobs they were promised.Retail shrinks.Hospitality automates.And entry-level roles vanish in a … Continue reading 🎓 Generation Jobless? Or Generation Genius in Waiting?
The Hidden Wealth Within Us: Why Human Capital Holds the Key to Prosperity
When economists value a nation, they often compare its market value (what it’s worth in total) to its book value (the tangible assets you can see and measure). Today, that ratio is about 5:1. In other words, only around 20% of a nation’s wealth is physical—land, buildings, machinery—while the remaining 80% lies in the invisible: … Continue reading The Hidden Wealth Within Us: Why Human Capital Holds the Key to Prosperity
Why Investing in Yourself Beats Investing in the Market—Especially at 20
The case of Ella Coombs shows how non-intermediating planning unlocks real wealth creation. Case Study Summary: Ella Coombs – The 20-Year-Old Entrepreneur Defying Convention Source: The Telegraph, 8 August 2025 Ella Coombs, aged 20, works three jobs—including managing an RSPCA charity shop—and lives rent-free with her parents. She has earned nearly £10,000 pre-tax in 18 … Continue reading Why Investing in Yourself Beats Investing in the Market—Especially at 20
Academy of Life Planning 