The app is here, accessible for all and available free of charge: http://www.get-secure.app It will not solve everything. But it may help someone take the first step from drift to direction. Nearly one million young people in the UK are not in education, employment or training. Alan Milburn’s recent review into young people and work … Continue reading Nearly One Million Young People Are Stuck Outside Work and Education. We Need a First Step Back to Agency.
Tag: total-wealth-planning
One Mission. Four Doors.
Restoring human agency in financial and life decisions — through human support, AI-assisted systems, practitioner training, and safe recovery after financial harm. There is a simple idea sitting at the heart of the Academy of Life Planning. People do not need more systems that make them dependent. They need systems that help them recover their … Continue reading One Mission. Four Doors.
The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
For years, policymakers, regulators, pension providers, and financial institutions have worried about the "advice gap." How do we get more people saving? How do we encourage better pension outcomes? How do we help people invest for the future? These are important questions. But they overlook a more fundamental reality. You cannot save money you do … Continue reading The Advice Gap Isn’t the Real Problem. The Agency Gap Is.
KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
KPMG's AI in Finance 2026 report concludes that AI is moving from an experimental technology to a core operating capability, with 76% of organisations now using AI in financial planning and 71% reporting that it meets or exceeds ROI expectations. The greatest benefits are not coming from cost reduction or automation alone, but from improved … Continue reading KPMG Global AI in Finance Report 2026, the opportunity is not simply better finance.
Move first or fall behind: How AI is rewriting the rules of banking
AI is poised to reshape banking not just by cutting costs, but by redistributing profits, redefining customer relationships, and accelerating competition. How should banks respond? Source: McKinsey Report, 29th may 2026. There is a great deal here that reinforces themes the Academy has been exploring for years, but there are also some important cautions. At … Continue reading Move first or fall behind: How AI is rewriting the rules of banking
The Age of Human Agency Has Arrived
Why AI Could Be the Greatest Empowerment Tool in Human History A recent newspaper article in the Telegraph explored an emerging battle between the world's largest consulting firms and Silicon Valley AI companies. The story focused on how firms such as OpenAI and Anthropic are moving beyond software and into consultancy services, challenging the dominance … Continue reading The Age of Human Agency Has Arrived
The Most Important AI Story Nobody Is Talking About
For months I've watched the public conversation about artificial intelligence with growing curiosity. Every week there seems to be another warning. AI will take jobs. AI hallucinates. AI creates misinformation. AI cannot be trusted. AI will replace professionals. AI will concentrate power. Some of these concerns are legitimate. Every transformative technology creates risks. But I … Continue reading The Most Important AI Story Nobody Is Talking About
Advice Out. Agency In. Why the FCA’s ‘Two Hats’ Issue Is About to Reshape Financial Planning
Why the FCA “Two Hats” Problem Is About to Become One of the Biggest Strategic Issues in Financial Planning For years, the UK financial advice profession has operated within a relatively stable identity structure. You were either: an authorised firm, an appointed representative, or a regulated financial adviser operating under a regulated permissions framework. The … Continue reading Advice Out. Agency In. Why the FCA’s ‘Two Hats’ Issue Is About to Reshape Financial Planning
Can AI Become the Honest Advocate Consumers Never Had in Financial Services?
QUESTION: Can AI help ordinary people see through the complexity, incentives, and institutional narratives embedded within modern financial services? “I’m wondering to what extent AI can genuinely act as an honest advocate for individuals within financial services. Not as a salesperson.Not as an institutional gatekeeper.But as a truth-seeking assistant helping ordinary people navigate complexity, opacity, … Continue reading Can AI Become the Honest Advocate Consumers Never Had in Financial Services?
From Support Systems to Agency Systems
What if the real crisis is not stress — but disconnection from inner authority? There is a quiet assumption running through much of modern wellbeing culture: People are struggling because life has become too complex to navigate alone. In response, society has built layer upon layer of support systems: employee assistance programmes,financial wellbeing services,mental health … Continue reading From Support Systems to Agency Systems
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