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
Tag: technology
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
Trust, Curiosity and Optimism in the Age of AI
The qualities that help leaders reimagine institutions can also prevent them from seeing what their institutions have become Trust, curiosity and optimism sound like exactly the qualities leaders need in the age of AI. Charlie Nunn, chief executive of Lloyds Banking Group, recently discussed all three in a McKinsey interview about institutional longevity, technological change … Continue reading Trust, Curiosity and Optimism in the Age of AI
Institutions May Divide the Case Between Themselves. Academy OS Gives the Individual a Complete View of the System.
A scam rarely happens in one place. A fraudulent advert may appear on Facebook. The conversation moves to WhatsApp. A convincing phone call follows. Money leaves a bank account, passes through another institution and eventually reaches a cryptocurrency platform. The criminal sees the entire journey. Each institution sees only its own part. And the victim … Continue reading Institutions May Divide the Case Between Themselves. Academy OS Gives the Individual a Complete View of the System.
Before asking whether AI gives the wrong financial advice, we should ask whether the industry has been measuring the right kind of wealth
A striking headline appeared in Financial Reporter: “AI models give wrong financial advice 57% of the time.” The claim came from research commissioned by financial technology company Saturn. It reportedly tested 18 AI models using 121 financial questions, repeated five times, producing more than 10,000 responses. Across those responses, 57% were classified as wrong. On … Continue reading Before asking whether AI gives the wrong financial advice, we should ask whether the industry has been measuring the right kind of wealth
How to Stop Making Scams So Easy
In response to the collapse of Woodville Consultants and a challenge from The Times, we have updated Investigator™—because government should close the loophole, but people need protection while it remains open A form is placed in front of an investor. It asks them to confirm that they are “high net worth” or a “sophisticated investor”. … Continue reading How to Stop Making Scams So Easy
The Establishment Is Defended. The Market Keeps Moving. The Profession Is Left Looking Backwards.
A professional body may believe it is protecting financial planning by excluding challenges to the established model. It may actually be protecting its members from the very ideas they most need to hear. I was scrolling through the programme for this year’s Festival of Financial Planning when the pattern became difficult to ignore. There were … Continue reading The Establishment Is Defended. The Market Keeps Moving. The Profession Is Left Looking Backwards.
When fraud takes your money it also tries to take your agency
£70M FRAUD. 15 YEARS IN JAIL. BUT WHO HELPS THE VICTIMS? The latest release of The Recoverer ™ is now available free at http://www.the-recoverer.app A £70 million pension fraud has ended with three men in prison. But the story exposes a harder truth: justice may arrive years later, while victims need a practical way to … Continue reading When fraud takes your money it also tries to take your agency
