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? →

The GAME Plan Manifesto

A System for Human Agency Every human being is born with the capacity to shape their own life. Yet many of the systems that surround us—economic, institutional, and cultural—quietly encourage the opposite. They train people to follow predefined paths, to defer decisions to experts, and to postpone their own aspirations until some distant future. Over … Continue reading The GAME Plan Manifesto →

Five Sentences Advisers Say Before Leaving the Traditional Advice Model

Every profession evolves. Financial advice is no exception. For decades, the industry has been structured around a simple model: gather assets, construct portfolios, and charge a percentage of assets under management. But something is changing. Artificial intelligence is automating technical tasks. Clients are arriving more informed. And advisers themselves are beginning to question whether the … Continue reading Five Sentences Advisers Say Before Leaving the Traditional Advice Model →

AI Won’t Replace Financial Advisers

But It Will Change What Advisers Actually Do A financial adviser told me something interesting this week. He said AI won’t replace advisers. An executive from the company behind Claude had said the same thing. He looked relieved. But the conversation that followed made me realise something much more important. AI may not replace advisers. … Continue reading AI Won’t Replace Financial Advisers →

The Asset Most People Forget: Why Human Capital Matters More Than Your Pension

When most people think about financial planning, they think about money. Savings.Investments.Pensions. But there is a far more powerful asset sitting quietly in the background of every financial life. You. Your skills, your health, your experience, your relationships, your creativity, and your ability to adapt. Economists call this human capital — and decades of research … Continue reading The Asset Most People Forget: Why Human Capital Matters More Than Your Pension →