If millions of young people are choosing AI companions that never reject them, never challenge them, and never leave them, is the real story about artificial intelligence — or about what modern life is failing to provide? [Based on The terrifying rise of schoolboys making AI girlfriends, by Nicole Mowbray in The Telegraph Magazine. 6 … Continue reading What does the rise of AI girlfriends tell us about the state of human agency?
Tag: technology
AoLP helps planners build better businesses, serve clients more effectively, and prepare for the future of planning in an age of AI and restored human agency.
The Academy of Life Planning helps planners become Total Wealth Planners by combining professional community, strategic support, AI-powered planning infrastructure, practical business development, and a philosophy centred on restoring human agency. Based on the mentorship sessions, Academy structure, Total Wealth OS roadmap, and the positioning we've been developing, I would describe the support provided to … Continue reading AoLP helps planners build better businesses, serve clients more effectively, and prepare for the future of planning in an age of AI and restored human agency.
If AI Agents Are Going to Make Financial Decisions, Who Should They Work For?
This week, FCA Chief Executive Nikhil Rathi made it clear that artificial intelligence is moving beyond assistance and into action. The next phase, he argued, is not simply AI helping people analyse information. It is the emergence of agentic systems that can coordinate, transact and execute decisions on behalf of others. The FCA has signalled … Continue reading If AI Agents Are Going to Make Financial Decisions, Who Should They Work For?
Agency Starts With Owning Your Own Data
For decades, we have been encouraged to place our trust in institutions. Banks hold our money. Platforms hold our conversations. Governments hold our records. Technology companies hold our digital lives. In return, we are promised convenience. Most of the time, the arrangement works. Until it doesn't. A company is acquired. A platform changes its terms. … Continue reading Agency Starts With Owning Your Own Data
Is AI Making Investors More Reckless — or More Capable?
If AI is already influencing how affluent investors research, assess and feel about risk, is the real question whether advisers can control its use — or whether they can help clients use it wisely while keeping final agency with the individual? HSBC’s research suggests AI is no longer peripheral. Among nearly 10,000 affluent and high-net-worth … Continue reading Is AI Making Investors More Reckless — or More Capable?
A Trusted Adviser Stole £2 Million. What Should We Learn?
A financial adviser has just been jailed for 11 years after defrauding clients, friends, neighbours, and a charity out of almost £2 million. The details are shocking but, sadly, not unique. Timothy "Paul" Barnes was not an anonymous scammer operating from overseas. He was a regulated financial adviser with decades of experience. He held positions … Continue reading A Trusted Adviser Stole £2 Million. What Should We Learn?
Why We Stopped Designing Apps and Started Designing Agency Infrastructure
At first, we thought we were building a collection of tools. My Life™ began as a sovereign personal record. Navigator™ emerged as a way of helping people make sense of complexity. Investigator™, The Leveller™, Get SAFE™, Get Secure™, and Goliathon™ each addressed a different challenge that people encounter when navigating financial systems, life transitions, or … Continue reading Why We Stopped Designing Apps and Started Designing Agency Infrastructure
The Trusted Agency-Restoration Layer: Helping People Use AI Without Being Used by AI
Financial services is entering a new phase. For decades, the industry has been organised around products, advice, distribution, regulation, platforms, documentation, and disclosure. The consumer has usually sat at the end of that chain: informed, nudged, sold to, advised, protected, categorised, risk-rated, and asked to consent. But something deeper is now changing. Artificial intelligence is … Continue reading The Trusted Agency-Restoration Layer: Helping People Use AI Without Being Used by AI
SJP’s £220bn Question: What Happens When Clients and Advisers Stop Deferring?
The old wealth model depended on two quiet forms of deference. Clients deferred to advisers. Advisers deferred to institutions. That was the bargain beneath much of modern wealth management. The client was asked to trust the adviser. The adviser was asked to trust the firm. The firm provided the brand, proposition, investment architecture, supervision, process, … Continue reading SJP’s £220bn Question: What Happens When Clients and Advisers Stop Deferring?
Before You Join a Financial Adviser Academy, Read the Contract — Not Just the Brochure
A glossy career-change brochure can make a new life sound simple. A clear pathway. Professional qualifications. Mentoring. Support. A respected brand. The chance to build a business. A route out of a career that no longer fits. For someone feeling stuck, that can be powerful. Especially if the message arrives at the right moment. You … Continue reading Before You Join a Financial Adviser Academy, Read the Contract — Not Just the Brochure
