For years, the financial planning profession has largely been built around one central assumption: People need experts to take control. Control of investments.Control of products.Control of complexity.Control of decision-making. That model made sense in an era where financial information was scarce, expensive, fragmented, and difficult for ordinary people to access. But the world has changed. … Continue reading Restore Human Agency — and What That Means for the Future of Financial Planning
Tag: total-wealth-planning
The Faster the System Becomes, the More Capable People Must Become
The UK government has quietly signalled the direction of travel for the future of financial services. Faster approvals. Faster innovation. Faster regulation. More flexibility for firms. More strategic oversight. Less procedural friction. The recent HM Treasury consultation response on financial services regulatory reform makes the trajectory increasingly clear: the UK wants a more agile, competitive, … Continue reading The Faster the System Becomes, the More Capable People Must Become
Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge
Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge In a recent article, Rishi Sunak argued that economic growth remains the defining challenge facing Britain. Without stronger growth, he warned, public finances worsen, politics becomes more volatile, and increasingly difficult decisions must be made regarding regulation, the size of the state, … Continue reading Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge
12.2 Million People Are Being Told They Face Pension Poverty.
But What If the Missing Asset… Is You? A new retirement report from Scottish Widows says 12.2 million people across the UK are at risk of “pension poverty.” The proposed solutions are familiar: Save more into pensions Increase auto-enrolment contributions Invest more for longer Build larger retirement pots Those things matter. But there is another … Continue reading 12.2 Million People Are Being Told They Face Pension Poverty.
Restoring Human Agency in the Age of AI
What Health Services Can Teach Financial Planning About the Future of Human Capability For decades, both healthcare and financial services have operated around a remarkably similar assumption: The expert knows best. In healthcare, the doctor diagnoses, prescribes, and directs. In financial services, the adviser recommends, structures, and manages. The individual — patient or client — … Continue reading Restoring Human Agency in the Age of AI
The Missing Voice at Adviser Conferences: What Advisers Aren’t Hearing About AI
What sits underneath many industry conferences is an uncomfortable structural reality: the ecosystem is largely self-referential. The sponsors fund the event.The media platforms depend on industry advertising.The exhibitors sell to advisers.The speakers often come from firms benefiting from the existing model.The audience attends within that commercial architecture. That does not automatically make the discussions wrong. … Continue reading The Missing Voice at Adviser Conferences: What Advisers Aren’t Hearing About AI
When Institutions Call Human Agency Dangerous
There was a revealing moment this week in the financial services industry. Speaking at a financial crime conference in London, the chief executive of the Financial Conduct Authority warned that artificial intelligence is accelerating fraud, cybercrime, sanctions evasion, and money laundering. Criminals, we were told, are becoming faster, more organised, and more adaptive. AI, according … Continue reading When Institutions Call Human Agency Dangerous
Op-ed: The Great Independent Advice Illusion
[A reflection on Citywire's article, How SJP advisers are using Policy Services to pitch independent advice 14 May 2026] By Steve Conley The financial advice profession has spent decades arguing over a question that, from a genuine life planning perspective, may matter far less than the industry would like to believe. Restricted or independent? Whole … Continue reading Op-ed: The Great Independent Advice Illusion
When Institutions Start Calling Agency Dangerous
Why agency-expanding technologies are often resisted precisely when they begin dissolving dependency structures For most of modern history, institutions have held a structural advantage over individuals. Not always because they were more intelligent.Not always because they were malicious.But because they possessed something ordinary people did not: Access. Access to information.Access to expertise.Access to analytical capability.Access … Continue reading When Institutions Start Calling Agency Dangerous
Do People Need Life Planning Anymore?
There is a quiet question emerging beneath the noise of modern self-improvement, financial planning, coaching, and even parts of the AI revolution: What happens when the goals no longer feel meaningful? For decades, society has organised itself around achievement. Earn more. Accumulate more. Optimise more. Retire earlier. Scale faster. Build the business. Hit the target. … Continue reading Do People Need Life Planning Anymore?
Academy of Life Planning 