Why agency before advice is becoming a consumer protection necessity A financial firm can disappear. The harm it caused often does not. That is the uncomfortable lesson emerging from recent analysis of Financial Ombudsman Service complaints and the wider enforcement record across UK financial services. Complaints are still being upheld against firms that are no … Continue reading Dead Firms. Live Harm. Delayed Justice.
Tag: total-wealth-planning
The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
For decades, financial planning has been built around a narrow idea of wealth. Money. Assets. Investments. Pensions. Portfolios. Tax wrappers. These things matter. But they are not the whole story. In many cases, they are not even the starting point. The deeper question is this: What enables a person to live well, adapt, contribute, recover, … Continue reading The Wealth We Keep Forgetting: Lessons on Human Capital for Total Wealth Planners
The Advice Diaspora: Why the Future of Planning May Belong to Those Who Leave the Old System Behind
For years, the financial advice industry has told itself a comforting story. That story says the public needs advice because money is complex, regulation is difficult, products are technical, and ordinary people cannot be expected to make good decisions without professional guidance. There is some truth in that. Money decisions can be complex. Pensions, tax, … Continue reading The Advice Diaspora: Why the Future of Planning May Belong to Those Who Leave the Old System Behind
The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
There are two easy stories about AI and jobs. The first says everything will be fine. Technology makes work cheaper, the economy grows, people move into better roles, and the disruption eventually settles into progress. The second says the opposite. AI will wipe out millions of jobs, hollow out professions, and leave people stranded before … Continue reading The Pie Gets Bigger. The Pieces Don’t Redistribute on Their Own.
AoLP as an Agency-Restoration Ecosystem
How do we restore human agency in the age of AI and institutional power asymmetry? The defining question of the AI age may not be whether machines become more intelligent. It may be whether human beings become less capable of acting for themselves. For decades, individuals have lived with a growing power asymmetry between themselves … Continue reading AoLP as an Agency-Restoration Ecosystem
Total Wealth Planner™: For Capable People Who Want Clarity Without Handing Over Control
Most financially capable people manage their own money successfully. You pay the bills. You run the household. You make sensible choices. You understand your income, pensions, savings, mortgage, family responsibilities, and future hopes well enough to get through ordinary life. But some moments are not ordinary. Retirement. Pension drawdown. Inheritance. Tax. Divorce. Bereavement. Later-life planning. … Continue reading Total Wealth Planner™: For Capable People Who Want Clarity Without Handing Over Control
Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity
Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity Financial planning has a problem. The people who most need help navigating financial insecurity are often the people least likely to receive meaningful planning support. Not because they lack ability. Not because they lack potential. But because the traditional financial advice … Continue reading Get Secure Has Launched: The Bridge to Freedom for People Living with Financial Insecurity
AI or Nothing: The Missing Question in the Financial Advice Debate
When most people cannot access financial advice, should we be asking whether AI threatens advisers — or whether it finally gives the unsupported majority a first step back to agency? Source: 9 in 10 advisers expect AI to affect client relationships, Financial Planning Today, 5th June 2026. The story says 68% of advisers are concerned … Continue reading AI or Nothing: The Missing Question in the Financial Advice Debate
Why Are We Teaching Children About Financial Capital Before Human Capital?
The missing asset in school financial education There is a strange imbalance at the heart of financial education. Children are taught about money. They may learn about budgeting, saving, spending, borrowing, interest, pensions, and perhaps investing. These are useful topics. Nobody serious would argue that young people should leave school unable to understand debt, savings, … Continue reading Why Are We Teaching Children About Financial Capital Before Human Capital?
Goliathon Has Changed the Game for Citizen Investigation
When people are harmed by powerful institutions, the first battle is rarely fought in court. It is fought in confusion. A survivor may have years of emails, letters, bank statements, screenshots, court papers, call notes and regulatory correspondence. Somewhere in that material may be the truth of what happened. But truth alone is not enough. … Continue reading Goliathon Has Changed the Game for Citizen Investigation
Academy of Life Planning 