Professional footballers are too often treated by the financial system as “high net worth” or “sophisticated” investors. This classification strips them of the vital protections afforded to retail clients by the FCA and the Financial Ombudsman Service. In reality, they are among the most vulnerable groups in society when it comes to financial exploitation. Their … Continue reading Footballers Deserve Better: Why They Should Not Be Classified as High Net Worth or Sophisticated Clients
Tag: technology
Five Tips for a Graduate GAME Plan in a Cooling Job Market
The news is sobering. According to new data from Adzuna, entry-level vacancies in the UK have dropped to their lowest level in five years. Employers are cutting back on lower-paid roles for younger staff in the wake of higher National Insurance contributions, rising minimum wages, and broader cost pressures. At the same time, AI is … Continue reading Five Tips for a Graduate GAME Plan in a Cooling Job Market
🎓 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?
Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation
“Change is inevitable, but growth is intentional.” We are living in a time where technology and globalisation are rewriting the rules of work faster than most education systems or businesses can keep up. Automation, artificial intelligence, and international competition are transforming industries and disrupting careers. In this landscape, the most valuable resource is not financial … Continue reading Why Investing in Continuous Training Systems Is Essential for the Age of Automation and Globalisation
🎓 When the System Shuts You Out, Build Your Own Path
Why graduates need a GAME Plan for life beyond rejection It’s the question every graduate dreads: “What’s next?”For too many today, the answer is bleak. Rejections from AI-driven recruitment systems, unpaid internships, demoralising trips to the Jobcentre, and—inevitably—signing on for Universal Credit. Recent reports highlight a shocking reality: over 630,000 graduates are now claiming Universal … Continue reading 🎓 When the System Shuts You Out, Build Your Own Path
Human Capital: The Evidence for a New Way Forward
For too long, governments, corporations, and even individuals have treated money as the ultimate measure of progress. But research continues to prove what we at the Academy of Life Planning have long argued: the greatest source of wealth is not financial capital, but human capital. A study published in the European Journal of Social Impact … Continue reading Human Capital: The Evidence for a New Way Forward
Unfit for Purpose: Why the UK’s Financial Intermediation Model Is Structurally Untrustworthy
By Steve ConleyFounder, Academy of Life PlanningMember, Transparency Task Force Advisory Board For decades, consumers have been assured that financial institutions act in their best interests. From glossy advertising to friendly face-to-face meetings with brokers and advisers, the public is encouraged to believe that customer-facing staff—whether in banks, insurers, or wealth firms—are working for them. … Continue reading Unfit for Purpose: Why the UK’s Financial Intermediation Model Is Structurally Untrustworthy
The GAME Plan for Sovereign Living
One Cycle. Four Steps. A Lifetime of Freedom. 🔷 Proposition Summary The GAME Plan for Sovereign Living is not just a financial planning system—it’s a conscious path for those ready to reclaim autonomy, restore inner harmony, and reshape the world from the inside out. Built on ancient natural cycles and aligned with the Aquarian Age, … Continue reading The GAME Plan for Sovereign Living
🌍 The Sovereignty Revolution: A New Era in Financial Empowerment Has Arrived
In every age, a movement emerges to challenge the status quo and offer a better way forward. Today, as the world teeters between crisis and transformation, a quiet revolution is gaining ground—a movement rooted in transparency, empowerment, and justice. We call it the Sovereignty Revolution. At the heart of this revolution is the Academy of … Continue reading 🌍 The Sovereignty Revolution: A New Era in Financial Empowerment Has Arrived
🧭 Reimagining Financial Empowerment in the Aquarian Age: A Response to FCA CP25/17
By Steve Conley, Founder, Academy of Life Planning The FCA's Consultation Paper CP25/17, “Supporting consumers' pensions and investment decisions: proposals for targeted support,” sets out to close the so-called “advice gap” through a new regime of cohort-based recommendations. But to those of us working to empower individuals, not intermediaries, this paper represents a step backwards—toward … Continue reading 🧭 Reimagining Financial Empowerment in the Aquarian Age: A Response to FCA CP25/17
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