Let’s say this clearly Some of the most widely used financial education frameworks todayopenly criticise educators. They say: teachers lack confidence financial professionals can’t teach volunteers don’t understand the subject They even warn that poor educators can cause long-term financial harm. All of that may be true. But it misses the real issue entirely. Because … Continue reading Financial Education Has a Blind Spot — And It’s Pointing at the Wrong Problem
Tag: total-wealth-planning
Total Wealth Planning Has Come of Age
Restoring Human Agency in the Age of AI There is a quiet revolution underway. Not in markets.Not in products.But in people. For decades, financial planning has operated on a simple premise:those with money delegate, and those without follow. That model is breaking. The End of Delegated Wealth The traditional system was built around financial capital … Continue reading Total Wealth Planning Has Come of Age
Human Capital Isn’t Built by Money Alone
Lessons for Total Wealth Planners from the Economics of Human Capital “The greatest inequality in wealth is not financial.It is the unequal development of human potential.” The Hidden Truth About Wealth For decades, financial planning has focused on optimising capital already accumulated. But the research tells a different story. Human capital—our skills, motivation, health, and … Continue reading Human Capital Isn’t Built by Money Alone
AI Is Making Advisers Faster. But Is It Making Clients Free?
Quilter, SJP, and the Real Question Facing Financial Planning Two announcements this week tell us everything about where traditional financial advice is heading. Quilter is rolling out AI tools to advisers.St James’s Place is doing the same. On the surface, this looks like progress. And it is. But only in one direction. What the Industry … Continue reading AI Is Making Advisers Faster. But Is It Making Clients Free?
Why Total Wealth Planning Will Only Succeed If We Stop Keeping It Secret
Markets are not won.They are created. And they are almost never created alone. The Quiet Problem No One Talks About Over the past few months, I’ve noticed something interesting. Some of the planners getting the most value from Total Wealth Planning…are also the most reluctant to talk about it. Not because they don’t believe in … Continue reading Why Total Wealth Planning Will Only Succeed If We Stop Keeping It Secret
AI Is Making Work Harder — Not Easier
Why the Future of Financial Planning Is Human Agency For years we have been told that artificial intelligence will make work easier. AI will automate tasks.AI will save time.AI will free us to focus on higher-value work. But new research from the Harvard Business Review suggests something very different is happening. In an eight-month study … Continue reading AI Is Making Work Harder — Not Easier
The Shift No One in Financial Planning Is Talking About
Agency Now Sits With People — Not Experts For most of the past century, financial planning has operated on a simple assumption: Experts decide. Clients follow. The adviser analysed the numbers, produced the recommendation, and the client implemented it. But quietly — and very rapidly — that assumption is breaking down. Not because expertise has … Continue reading The Shift No One in Financial Planning Is Talking About
The Asset Most Financial Planners Still Ignore: Human Capital
For decades, financial planning has been dominated by a simple idea: Build financial capital so you can eventually stop working. Portfolios.Pensions.Assets under management. But something profound is changing. In the age of artificial intelligence, automation, and longer working lives, the real driver of prosperity is no longer financial capital alone. It is human capital. And … Continue reading The Asset Most Financial Planners Still Ignore: Human Capital
Clients Are Already Using AI. Many Advisers Haven’t Noticed Yet.
The Perception Gap in Financial Planning Two pieces of evidence landed this week. Individually they are interesting. Together they reveal something much bigger. 1️⃣ What investors are saying A new industry study reported in Financial Planning Today (12 March 2026) found growing openness to AI tools among investors. The numbers are striking: 63% of investors … Continue reading Clients Are Already Using AI. Many Advisers Haven’t Noticed Yet.
Is Money a Proxy for Human Agency?
The short answer is: yes — but only partially.Money is often used as a proxy for agency, but it is a very imperfect one. Understanding that distinction is actually central to what we've been building with the GAME Plan. Let’s unpack it. 1. Why Money Looks Like Agency Money expands the range of choices a … Continue reading Is Money a Proxy for Human Agency?
