A firm can become more efficient while its clients remain just as dependent. That is the question beneath this week's agentic AI announcements. Imagine joining a wealth management firm. You upload identification, answer questions about your finances and supply documents. An AI agent notices what is missing, prepares the forms, starts identity and sanctions checks, … Continue reading Who Is the AI Operating System For?
Tag: technology
Customers Have AI Too!
The profession is asking how AI can make advisers more productive. What happens when it makes customers more capable? This week, financial planners gather in Windsor to “turn the page on established thinking”. Here is the page I would turn. Imagine your next prospective client arriving on a video call. They have organised their financial … Continue reading Customers Have AI Too!
The risk bitcoiners rarely tell you about
When you become your own bank, your family can become part of the security perimeter. By Steve Conley | Asset Recovery | 3 October 2026 Content note: this article discusses violent robbery and threats against a family. The attackers did not need to break the encryption. They broke into the house. In a BBC report … Continue reading The risk bitcoiners rarely tell you about
An FCA Check Is Only the Start: Investigate Before You Invest
A firm appears on the FCA Firm Checker. You breathe a little easier. But what, exactly, have you checked? You have checked something important: whether the firm is authorised and has permission to provide the service you want. You have not established that the person contacting you works for that firm, that this particular investment … Continue reading An FCA Check Is Only the Start: Investigate Before You Invest
Your Plan. Your OS. Your Support.
Introducing the new Total Wealth Planner website—and a practical model of planning we can build together A great deal of financial planning still begins with a professional asking for your information. You complete a fact-find. They build a plan in their system. You receive a report. Then life changes, and you may need the professional … Continue reading Your Plan. Your OS. Your Support.
Who validated the warning about AI and your money?
An evidence audit of a financial AI headline, its commercial context and the poll that followedSteve Conley | Academy of Life Planning | 23 September 2026 I watched a poll ask people how much of their money they would let AI decide with. Before they answered, it told them that chatbots had got 57% of … Continue reading Who validated the warning about AI and your money?
30 Academy OS Fun Facts
30 Academy OS Fun Facts You already have a life operating system.If it is scattered across emails, apps, folders and other people’s systems, you may simply not control it yet. If your plan only works when your adviser is present, your adviser has become the operating system.Academy OS puts the individual back at the centre. … Continue reading 30 Academy OS Fun Facts
Your Life. Your Money. Your OS.
Academy OS Foundations introduces a new way to manage life and money—one in which the individual, not the institution, operates the system Most people already have a financial operating system. The problem is that it usually belongs to somebody else. Their pension information sits with providers. Their financial plan sits in an adviser’s system. Their … Continue reading Your Life. Your Money. Your OS.
When Justice Expires Before the Harm Does
The banks did not prove the customers were wrong. They proved the complaints came too late. Four people complained that their banks had trapped them in unfair and unaffordable credit relationships. The banks fought back. Not merely against the complaints, but against the Financial Ombudsman Service's power to hear them. They won. Now the Ombudsman … Continue reading When Justice Expires Before the Harm Does
The Planner of the Future Will Not Be the Client’s Operating System
Discover the professional pathways at the Academy of Life Planning Information is no longer scarce. Agency still is. Artificial intelligence can explain concepts, organise information, model possibilities and answer questions at any hour of the day. That changes what people can do for themselves. It also changes what they need from a professional. The future … Continue reading The Planner of the Future Will Not Be the Client’s Operating System
