Lessons for Total Wealth Planners from Global Evidence on Income Equality For decades, financial planning has been dominated by one narrow question:How do we grow financial capital? But global evidence increasingly points to a deeper, more foundational truth: Societies that invest in human capital don’t just grow wealth — they distribute it more fairly. A … Continue reading Human Capital Isn’t a “Soft” Concept — It’s the Hardest Driver of Fair Wealth Outcomes
Tag: total-wealth-planning
AI Is at the Door — and It’s Knocking in 2026
AI Is at the Door — and It’s Knocking What Matthew Griffin’s warning really means for the future of financial planning Dear reader, the quote below isn’t just an observation. It’s a signal flare. When Matthew Griffin — widely described as “the adviser behind the advisers” — says “AI is coming for your lunch”, he’s … Continue reading AI Is at the Door — and It’s Knocking in 2026
Human Capital Lessons Every Total Wealth Planner Should Understand
What a global development study reveals about planning, productivity, and prosperity For Total Wealth Planners, human capital is not a soft concept. It is the primary engine of long-term wealth, resilience, and freedom. A major academic study on the development and effective use of human capital in developing countries offers powerful lessons that are just … Continue reading Human Capital Lessons Every Total Wealth Planner Should Understand
Why a Total Wealth Plan Feels So Different from a Financial Plan
Why a Total Wealth Plan Feels So Different from a Financial Plan And why it isn’t a bolt-on People approaching a Total Wealth Plan—whether as individuals or professional advisers—often do so with a familiar mental model. They expect a better financial plan.More depth. More insight. Better projections. That expectation is understandable.It’s also where confusion usually … Continue reading Why a Total Wealth Plan Feels So Different from a Financial Plan
From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
Most financial advisers didn’t enter the profession to sell products. They entered it to help people make better decisions about their lives. And yet, many now find themselves constrained — not by their ethics or competence, but by the narrow scope of the system they work within. This article isn’t a critique of advisers.It’s an … Continue reading From the 1% to the 100%: An Invitation to Financial Advisers Ready to Practise Total Wealth Planning
Total Wealth Planners: The Antidote to Inequality — Without Ideology
Inequality is usually framed as a political problem.But increasingly, it’s a structural one. The gap widening beneath modern economies isn’t only about income or assets. It’s about who gets access to judgment, responsibility, and compounding human capital—and who doesn’t. A recent reflection prompted by a study on education pathways, alongside a Wall Street Journal article … Continue reading Total Wealth Planners: The Antidote to Inequality — Without Ideology
Inequality Isn’t a Moral Failure — It’s a Planning Failure
Why Total Wealth Planners are emerging as the quiet antidote For decades, inequality has been treated as a political problem. Argued over.Moralised.Weaponised. But beneath the noise sits a quieter truth that rarely gets airtime: Most inequality is not caused by malice or ideology — it is caused by structural mis-planning of human capital. Not bad … Continue reading Inequality Isn’t a Moral Failure — It’s a Planning Failure
Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Why Inequality Persists — and Why Total Wealth Planning Works Inequality is often framed as a failure of effort, intelligence, or morality.The evidence tells a quieter, more uncomfortable truth. People are not failing.Systems are misallocating human potential. This study on human capital and economic development shows that even when people are educated, skilled, and motivated, … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure: Part II
Inequality Isn’t a Moral Failure. It’s a Design Failure.
Why Total Wealth Planners Are the Antidote — Without Ideology For decades, inequality has been argued as if it were a moral contest. One side says inequality is the price of growth.The other says inequality is proof the system is broken. Both miss the point. Inequality is not primarily a question of values.It is a … Continue reading Inequality Isn’t a Moral Failure. It’s a Design Failure.
Total Wealth Planning™ Is No Longer a Fringe Idea
“Moving from restricted planning to whole-of-wealth planning isn’t a change of tools —it’s a change of allegiance: from products to people.” Steve ConleyAcademy of Life Planning Why 2026 Is the Year the Profession Must Change By Steve Conley | Academy of Life Planning | December 2025 For more than a decade, the Academy of Life … Continue reading Total Wealth Planning™ Is No Longer a Fringe Idea
Academy of Life Planning 