Why the Total Wealth Plan is the missing bridge between technological disruption and human empowerment. Introduction: The Alarm Bell Britain Can’t Ignore According to business editor Jon Rees at The Times, artificial intelligence is now costing more jobs in the UK than it is creating. Research from Morgan Stanley found that UK firms using AI … Continue reading AI Is Taking Jobs — But It Can Also Create Wealth. The Choice Is Ours.
Tag: philosophy
From Products to People: Human Capital Lessons for the Next Generation of Financial Advisers
Why the Future of Financial Advice Is Human, Not Just Financial For decades, mainstream financial advice has revolved around financial capital — portfolios, products, tax wrappers, asset allocation, and return optimisation. That model is now reaching its natural limits. A growing body of research — including OECD work on human capital and academic critiques of … Continue reading From Products to People: Human Capital Lessons for the Next Generation of Financial Advisers
Planning for Total Wealth: Why Human Capital Must Be at the Heart of Lifetime Planning
Most new financial advisers are taught to plan only half a life. The familiar model—accumulation, transition, retirement, legacy—has become so normalised that few stop to ask a more fundamental question: What exactly are we planning? The answer, in practice, is almost always the same:financial capital. Savings. Investments. Pensions. Decumulation strategies. Estate planning. All important.All necessary.But … Continue reading Planning for Total Wealth: Why Human Capital Must Be at the Heart of Lifetime Planning
When Human Capital Increases Inequality
Critical lessons for Total Wealth Planners from the latest economic evidence For decades, financial planning has rested on a comforting assumption: If we educate people more, inequality will fall. It feels intuitively right. Education raises earnings. Skills create opportunity. Human capital lifts all boats. But the evidence no longer supports that simple story. A major … Continue reading When Human Capital Increases Inequality
Human Capital Is Not a Footnote to Financial Planning
What Three Landmark Studies Teach Total Wealth Planners For decades, financial planning has treated human capital as a background assumption—future earnings, career trajectory, or “capacity for work.”The evidence tells a very different story. Across three major studies—spanning poverty, inequality, life expectancy, and economic growth—a consistent message emerges: Human capital is not merely an input to … Continue reading Human Capital Is Not a Footnote to Financial Planning
Lessons on Human Capital for Total Wealth Planners
Lessons on Human Capital for Total Wealth PlannersWhat long-term economic growth teaches us about life-first planning Most financial planning still treats people as inputs into a system: earn, save, invest, retire.The attached study on human capital as a determinant of long-term economic growth quietly dismantles that assumption. Its core finding is simple but profound: Sustainable … Continue reading Lessons on Human Capital for Total Wealth Planners
Inequality Isn’t a Moral Failure — It’s a Planning Failure
Why Total Wealth Planners are emerging as the quiet antidote For decades, inequality has been treated as a political problem. Argued over.Moralised.Weaponised. But beneath the noise sits a quieter truth that rarely gets airtime: Most inequality is not caused by malice or ideology — it is caused by structural mis-planning of human capital. Not bad … Continue reading Inequality Isn’t a Moral Failure — It’s a Planning Failure
Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Why Inequality Persists — and Why Total Wealth Planning Works Inequality is often framed as a failure of effort, intelligence, or morality.The evidence tells a quieter, more uncomfortable truth. People are not failing.Systems are misallocating human potential. This study on human capital and economic development shows that even when people are educated, skilled, and motivated, … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Inequality Isn’t a Moral Failure. It’s a Design Failure.
Why Total Wealth Planners Are the Antidote — Without Ideology For decades, inequality has been argued as if it were a moral contest. One side says inequality is the price of growth.The other says inequality is proof the system is broken. Both miss the point. Inequality is not primarily a question of values.It is a … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure.
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
Academy of Life Planning 