“Moving from restricted planning to whole-of-wealth planning isn’t a change of tools —it’s a change of allegiance: from products to people.” Steve ConleyAcademy of Life Planning Why 2026 Is the Year the Profession Must Change By Steve Conley | Academy of Life Planning | December 2025 For more than a decade, the Academy of Life … Continue reading Total Wealth Planning™ Is No Longer a Fringe Idea
Tag: technology
From Personal Significance to Collective Well-being
Why the Future of Prosperity Begins with How We Define a “Life Well Lived” For decades, society has measured success with blunt instruments. GDP.Asset values.Productivity metrics. Yet none of these tell us whether people are well, whether communities are coherent, or whether our systems are helping human potential unfold—or quietly exhausting it. A growing global … Continue reading From Personal Significance to Collective Well-being
Litigation Funding, Access to Justice, and the Risk of a False Binary
Why “David vs Goliath” Framing Is Not Enough By Steve ConleyAcademy of Life Planning When governments speak about access to justice, they often reach for a familiar story. David versus Goliath.Ordinary people versus powerful institutions.The little person finally getting their day in court. The government’s decision to reverse the impact of the PACCAR judgment has … Continue reading Litigation Funding, Access to Justice, and the Risk of a False Binary
When Flexibility Becomes Forgetting: Removing Annual Suitability
Why Removing Annual Suitability Risks Burying the UK’s Fee-for-No-Service Reckoning By Steve ConleyAcademy of Life Planning A trustworthy regulator does not erase the audit trail when the bill is about to fall due. A quiet proposal with loud consequences The Financial Conduct Authority is consulting on removing the requirement for annual suitability reviews for advisers, … Continue reading When Flexibility Becomes Forgetting: Removing Annual Suitability
💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
Steve ConleyDecember 15, 2025 The Personal Finance Society (PFS) has recently announced that more than 400 people have expressed interest in its new Pathway to the Profession initiative — a £1 million recruitment campaign designed to attract and nurture new entrants into financial planning. On the surface, this is welcome news. A profession that genuinely … Continue reading 💉 “New Blood” or Old Habits? Why a £1 Million Recruitment Drive Risks Solving Yesterday’s Problem
Human Capital, Finology, and the Human-to-Human Economy
Extending the Vision of Financial Planning 3.0 “AI won’t replace planners. But planners who embrace AI — and truly understand human beings — will replace those who don’t.” Partha Iyengar recently left a comment on LinkedIn that stopped me in my tracks. He celebrated Human Capital and Human-to-Human Connections as the real drivers of progress … Continue reading Human Capital, Finology, and the Human-to-Human Economy
Harvey vs Humanity: How Captured AI Is Rewriting Justice for Profit
When a global law firm like CMS announces it’s “staying ahead of the curve” by rolling out Suits-inspired Harvey AI, most of the legal press applauds the efficiency gains.But behind the headlines lies a more uncomfortable truth — one that strikes at the very heart of access to justice. ⚖️ The Rise of Captured AI … Continue reading Harvey vs Humanity: How Captured AI Is Rewriting Justice for Profit
⚠️ Hidden Downgrade: When Banks Reclassify Your Home to Seize It Cheaply
⚠️ The Hidden Downgrade: How Banks Reclassify Your Home to Seize It Cheaply For nearly two decades, a quiet sleight of hand has been used across Britain’s mortgage and securitisation system — a tactic that converts good-quality, low-risk, residential loans into buy-to-let “junk” assets ripe for exploitation. We’ve identified and documented this pattern repeatedly through … Continue reading ⚠️ Hidden Downgrade: When Banks Reclassify Your Home to Seize It Cheaply
Good People, Legacy Structures
Why Financial Education Needs Trustworthiness by Design Steve ConleyDecember 13, 2025 A note on intent I’m writing this as a financial educator and concerned citizen.This article is not about blame — individual or institutional.It’s about design: how well-intentioned initiatives can sometimes produce outcomes no one intended, simply because of the structures they operate within. A … Continue reading Good People, Legacy Structures
Beyond Efficiency: Why the AI GAME Plan Is the Structurally Trustworthy Framework for Financial Planning
Three years after ChatGPT’s launch, artificial intelligence has officially come of age.As Nick Eatock notes in Money Marketing, AI is now mainstream in financial advice—praised for efficiency, data analysis, and compliance support. But in the rush to automate, one vital question remains largely unasked: Can AI be trusted to serve people rather than products? At … Continue reading Beyond Efficiency: Why the AI GAME Plan Is the Structurally Trustworthy Framework for Financial Planning
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